vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
XXXX XXXX  notified us in XXXX, 2019 that our mortgage loan was bought by XXXX XXXX but - not to worry - XXXX would continue servicing the loan. Fast forward to XXXX and a notice from XXXX XXXX  that our mortgage will be serviced by Flagstar Bank commencing XXXX. We received this notice on XXXX - 13 days before the transfer. The notice also instructed us to cancel our automatic withdrawal and wait for payment instructions from Flagstar Bank. We cancelled our automatic withdrawal on XXXX as instructed. 
As of this date, XXXX, we have received no - as in zero - communication from Flagstar Bank and are 8 days from the due date for our first payment. In a call to Flagstar Bank, they indicate that they will send out instructions on XXXX - nine days after our payment is due. But, they say, we can go to their website and set up our account. 

All of this presents several problems : 1. We realize that XXXX or XXXX XXXX has a right to sell the servicing rights to our mortgage, and they probably do that in bulk form by pressing a few keys. At that time they drop any obligations to the people affected. Those people then enter a kind of twilight zone unasked for and unwelcome. They should at least tell us " sayonara '' within the fifteen ( 15 ) days stated by law. 
2. Similarly, Flagstar has an obligation to tell us how this is supposed to work and do so in a timely fashion - within fifteen ( 15 ) days of the transfer. While XXXX - eight ( 8 ) days AFTER is - technically - within 15 days of the transfer date, we think the intention of that time period was to allow those affected to prepare for the transfer. 
3. Flagstar, in our call, says that we have a sixty ( 60 ) days " grace '' period to make our payment before being counted as " late ''. We've never missed or made a late payment at any time in our lives as our credit rating reflects. A mortgage loan is a contract, an " agreement '' between two parties. Each is expected to abide by the rules. 

So, to us at least, it appears that XXXX and Flagstar treat all this very casually - until they don't get their money. But, it is very disruptive and disconcerting to be placed in limbo without any real and timely guidance.

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 2019-11-22 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My current statement shows four over charges for the laundry machine in my apartment building. I have been over charged more times than I can count. I have complained before and the card issuer has removed the charges. Barclays disconnected me today three times when I called again to dispute these overcharges.

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 2019-11-22 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: CORELOGIC INC
State: CA

Complaint narrative:
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.

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 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com- pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer- tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi- site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, cor- rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting . FEDERAL laws dic- tate that any and all derogatory or potentially injurious reporting MUST be all of the aforemen- tioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays closed my credit card for no good reason. I have a credit score of XXXX according to them. Their reasons are weird. It brought down my credit score also. I have rewards which can not be used now. 
I was provided no notice or warning before Barclays did that. 

Tried calling Customer service XXXX twice. After successful verification, call getting disconnected. Sent the fax to XXXX regarding this.

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 2019-11-22 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX, XXXX  and Equifax did not block the data on the credit file. 
XXXX, XXXX and Equifax has made no attempt to properly follow section 605B of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Credit Plus Inc
State: CA

Complaint narrative:
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Credit Technology, Inc.
State: CA

Complaint narrative:
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
My mortgage company is over collecting for my escrow account. This began when my XXXX property taxes were higher than projected by my mortgage company. They made an adjustment to my XXXX  monthly payment to recover the escrow shortage. 

I protested the XXXX appraised value with the local appraisal district. The appraisal district ( XXXX XXXX XXXX XXXX ) agreed with my protest, and reduced my appraised value accordingly from {$410000.00} ( XXXX ) to {$370000.00} ( XXXX ). This has resulted is a significant decrease to my XXXX property tax bill. 

Earlier this month, XX/XX/XXXX, the taxing authorities published their XXXX tax rates. XXXX published my XXXX tax bill. I shared my tax bill with my mortgage company and asked them repeatedly to update my escrow collection to reflect the change to property taxes. I have shared the published tax bills with their escrow department. After several requests, they have finally updated my escrow projection, but it is still not the correct dollar amount for taxes. 

This over collection is causing significant financial hardship for my family. I just want my escrow account to reflect my actual taxes due. 

XXXX County Taxes ( actual ) : {$5100.00} XXXX School Taxes ( actual ) : {$5800.00} XXXX County Taxes ( actual ) : {$3500.00} XXXX School Taxes ( actual ) : {$3600.00} XXXX Total Taxes ( actual ) : {$7100.00} XXXX Total Taxes ( projected by mortgage company ) : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the 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 2019-11-22 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the 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 non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
My promissory note states all payments are first applied to unpaid fees, then late fees, then interest, then principal. This is late fee pyramiding and a XXXX  issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX, Transunion and XXXX  did not block the data on the credit file.

XXXX, Transunion and XXXX  has made no attempt to properly follow section 605B of the FCRA. 


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 explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Due to lack of communication by the business on how payments would be allocated I was charged back interest. I called the bank and they advised they were unable to wave back interest of promotion. I made enough in payments to cover amount of purchase. Call with business took place XXXX XXXX 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have lived in my home for 15 years. I am a senior citizen. My loan was bought by Nationwide/Mr. Cooper some years back. I never had a problem with them until I refinanced this past XXXX to pay off some debt. Since refinancing I have had three major problems with this company and there has been no reasonable explanation for any of them. 

First I received a bill from the Town of XXXX that I was to pay my own taxes. My taxes have always been paid by my mortgager and nothing changed. I was told a 3rd party company XXXX sent the town the letter. No one had an explanation. I asked for a written response as to how this happened. I got an email saying the taxes were paid. I was never told why it happened in the first place. I received a letter saying as much and they told me that as of XX/XX/19 they still had not received my payment. My mortgage has always been paid directly to Mr. Cooper from my checking account on the first of every month. I checked with my bank and they said Mr. Cooper received the payment on the first as always. The letter from the XXXX XXXX Customer Relations Specialist who was very nasty and condesending told me my bill was not paid and showed me their statement saying it was posted on the XXXX and it was my problem. The bank confirmed for the 2nd time that they received it on time on the first and it was in internal problem with Mr. Cooper. They are jeopardizing my credit at this point. 

Then to make matters worse they send me a new bill now for {$690.00} instead of {$680.00} because they shorted my escrow account when they refinanced. Obviously to make the payments seem more reasonable than the other companies who were giving me their figures for refinancing. 

I do not know what is wrong with this company but something has dramatically changed and someone needs to look into them. I do not want to stay with them at this point but I would have to pay closing costs all over again to go somewhere else. I think they have no explanation for any of these serious problems which occured in the last 6 months. I am afraid to stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: DailyPay, Inc
State: SC

Complaint narrative:
CFPB employee, im mainly sending this into you for this complaint to be on your records because it needs to be, and if you think another agency should be aware of it, then please forward this to them as well. 

I started my job and worked the day, i called out the next day to do a stomach bug, i received an email from dailypay saying i earned {$67.00} on a workday that was $ 120+. I  thought i was short changed which ended up causing me to quit, ill get back to that. Because of that i used {$60.00} of it and about a week later on on payday, dailypay deposits an extra {$62.00} into my bank account, i also receive a paycheck from my employer, I reached out to my employer and called into dailypay to figure out what happened, the agent i spoke with at dailypay said i owed dailypay nothing and my account was in the clear, which i have on recording. after a few days of being the middle man, and dailypay not replying back to my emails, i was told dailypay reached out to my employer and was trying to figure something out, No one wanted to mention what happend there, for all i know, my employer paid it off for dailypay to continue saying i owe them money. Anyways, in there terms of service in section 2 it says if my employer short changed dailypay, i wont owe them a cent and yet here we are, They kept insisting i owed them money, so just to get this borderline illegal harassment over with, i paid it off, and the account is still deactivated, still! 

If i were to take this to court, you do realize the amount of crap i could get dailypay in, Thats not even including the fact that my personal information was transferred inbetween my employer and dailypay without my consent. 

Im still contemplating what to do so there wont be a final point to make other than Dailypay, you seriously need to get your XXXX together, like, REALLY BADLY!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I went on to American Expresses website to make my monthly payment in the amount of {$60.00}. I made the payment in thexact same way that I have always made it ( through my bank at XXXX XXXX XXXX ). As of yet ( XX/XX/XXXX ) the payment has not been credited to my account. I called AMX on XX/XX/XXXX asking about the payment. I was told that I had never made one. Yet, my bank statement on line with XXXX XXXX XXXX showed the payment being made. I called XXXX XXXX XXXX and they gave me a phone number to XXXX XXXX who is the bank for AMX. XXXX XXXX showed that the payment had been made but, it had been forwarded to a third party bank ( XXXX ) that was also connected to AMX and they gave me an ID # to give to them. I called XXXX and spoke to XXXX who I gave the payment number given to my by my bank And XXXX XXXX. She told me that my payment was there and that it would post to my account on XX/XX/XXXX. On XX/XX/XXXX, no payment showed and I again called XXXX and spoke to XXXX. She told me that it would show when it showed and got nasty. I hung up, called AMX. They took my info down but, could not promise me as to when it would be credited to my account. The payment IDXXXX and Code IDXXXX. XXXX XXXX PhoneXXXX & XXXX Phone XXXX. *I have spoken on a daily basis with AMX about this and nothing is done. BOTH XXXX XXXX AND XXXX are their banks. I made a payment of {$5.00} on XX/XX/XXXX and XX/XX/XXXX and they both posted on the day payment was made. I can provide docs from bank IF needed but dont have at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On or around XX/XX/XXXX, I learned XXXX/XXXX  has been reporting inaccurate information to the credit bureaus about me. I filed an identity fraud dispute with the bureaus. The bureaus sent notice to XXXX requesting XXXX to show the debt belongs to me and that it is valid. XXXX could not produce such evidence. Instead, XXXX doubled down on its false reporting by claiming, without any evidence whatsoever that I made payments to XXXX on the debt in XXXX and XXXX, and that I became delinquent in XXXX. I have never made any payments to XXXX since ( 1 ) the account is fraudulent and ( 2 ) I knew nothing about the existence of the the account until XXXX of this year. 

I am certain that others have filed complaints about XXXX deceiving business practice and refusal to comply with federal law relating to reporting false information and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I have made many calls to PenFed to try and get a debt consolidation loan with them. They are having a problem getting my XXXX  Credit Report to return, I have spent countless hours dealing with PenFed and them telling me its going to be another 24-48 hours. My call today XX/XX/XXXX I spoke to a supervisor in customer service that was worthless. The rep got an attitude with me when I told her to cancel the application, PenFed just keeps pointing fingers. PenFed was not able to obtain a copy of my credit report HOWEVER, there is an inquiry listed on my credit file. I have requested PenFed remove this from the report as they were NOT able to view the report so they shouldn't have an inquiry listed. This has been the worst time I have ever had with this credit union. I have had prior loans with them and they all went through seamless. Loan Application # XXXX, and it has been pending since XX/XX/19.

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