vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-09-21 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: CITIBANK, N.A.
State: RI

Complaint narrative:
XXXX reported inquiries no recognized I trying fixed problems with this company dont help me say accurate and credit card opened fraud

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 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
On XX/XX/2021 Plaintiff XXXX XXXX took me to court due an alleged debt, I assisted to the online hearing, The communication wasn't right and I could hear the participants but they couldn't hear me, The hearing ended and i was not able to confirm alleged debt. I was scared i was going to jail for an alleged debt I don't recognized so I called the collection company and they use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The false representation or implication that documents are legal process. So hearing all of that I got involved in a payment plan to pay the alleged debt. Later I find out that they committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt. 15 U.S. Code Sec ( d ) Legal Pleadings.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I disputed Their alleged debt and also another alleged debt which they are taking me to court on XX/XX/2021 at XXXX : XXXX, On XX/XX/2021 Tracking # XXXX XXXX XXXX XXXX XXXX, Tracking # XXXX XXXX XXXX XXXX XXXX They received a letter from me requesting validation. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I asked them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

They have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX XXXX was my loan officer with Freedom Mortgage. XXXX told me she wasn't sure why escrow was on this refinance but not the two previous loans. She said she would send the information to the property tax accountant team and they would reach back out to me with an answer. They never called me back. When the notary came to me house for the signing of of the refinance, I brought it up again that the escrow was not supposed to be included on the payment. The lady then told me to go ahead and sign because it was a simple admin change and I could call the next day and it would be resolved. I called Freedom Mortgage from XX/XX/XXXX to XX/XX/XXXX before I was finally told that I had to pay the additional escrow for the last 4 payments or it would continue to hit my credit report. I had been told numerous times by different employees from Freedom Mortgage that it would not effect my credit until the dispute was resolved. Finally I got a call from a lady saying that I had to pay back the escrow and that they couldn't take it off my credit even though it was their fault. I explained to her that these payments were not late they were paid on time but only had the principle and interest. She told me put a written request to Freedom Mortgage to remove the adverse credit reporting. Then told me they probably wouldn't remove it.

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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Since my COVID payments stopped, the bank has charged me a $ XXXX monthly maintenance fee in XXXX and XX/XX/2021. I am a stay at home mom with a XXXX  month old XXXX  and can not afford to return to work because child care is more than my potential income earnings. I have no other benefits being received on the account. I signed up for this BOA checking account when I was working and agreed to using ATMs and not enter the bank, and I agreed to online statements to avoid being charged monthly maintenance fees. At a time when I, a consumer, need help the most, the bank continues to pile on the fees. I want to keep my bank account because it has been very convenient when my husband transfers funds and I can use my debit card. I don't want to use prepaid cards and become unbanked, but this large monthly fee makes a difference in being able to buy food or items for my child. I know the bank wants fee income but I wish they could offer an account with no fees for low income people who don't have {$250.00} direct deposit or maintain a balance of {$1500.00}. I shouldn't have to be rich to have a bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This company has scammed me for insufficient funds 3 times this year. The first time I spoke to 4-5 different people to get it refunded and they sent me back the XXXX. It happened again, but I didnt wan na go through the hassle of dealing with them again so I let it go, this was in XXXX. This time they are telling me, a XXXX  was sent on Monday ( XX/XX/XXXX ) which there is no record of on my end in the bank of america app for XXXX that was declined. I have over draft protection so I switched the card on my XXXX  on Saturday ( XX/XX/XXXX ) and put the transaction through on another account. Today which is Tuesday ( XX/XX/XXXX ), I get an email from Bank Of America that says, you may have insufficient fundsI was shocked to look at my account and they charged me XXXX for something that declined. I called spoke w/ a rep who couldnt help me, who told me she saw a XXXX XXXX transaction, got to a supervisor whos name was XXXX he told me he didnt see a XXXX XXXX transaction and placed me on hold to look into the matterhe hung up the phone. Called back waited on the phone for over an hour, spoke with another supervisor ( XXXX ) who told me that overdraft protection would stop this from happening, I told her that I had over draft protectionshe became quiet and said well the charge cant be reversedstill no resolutionshe transferred me to XXXX who talked over me the entire time and now is adding rules to what the prior rep statedshe told me that in order for overdraft protection to work on this type of account is if I have a savings account to Again, how is anyone supposed to know about this or their insufficient funds fee when you think you have overdraft protectionTHEY DECLINED THE TRANSACTION AND EVERYTHING SO THIS IS ONLY TO BENEFIT THEIR COMPANY BECAUSE Im being penalized for money that I never evn spent. This company is terrible. Ill make sure that no one banks with them EVER.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XX/XX/20 sent certified letter XXXX to Caine and Weiner requesting deletion for the account they are reporting with XXXX. I have never received any documentation to support that any such debt is owed. Additionally, this account reflects that it is over the 7 year statute reporting period and can no longer be legally reported. 
it is unknown if Caine & Weiner even had the legal authority of such alleged account. furthermore I currently have insurance with XXXX so no old debt would be outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I Have a report of owing XXXX  XXXX. It is on my credit report, I reported it as a fraud because I do not live in Florida, I live in the XXXX XXXX XXXX and have documents to prove that I do not live in Florida. I live in my home for 20 years in the XXXX XXXX XXXX and can show proof of it. I filed a dispute and XXXX as well as the other two credit reporting is reporting it as such. They stated in the dispute resolution that XXXX  XXXX is saying the account is valid. I am a XXXX XXXX  veteran and this is causing me additional undue stress. I have no letters or documents from them, they sent me no letters, emails, or phone calls. I just saw it on my credit report and filed a dispute to no avail. Please provide any assistance if you can. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
To whom it may concern : I had been working with my previous servicer for almost 2 years before it got service transferred to Freedom Mortgage. My counseloXXXX XXXX XXXX spoke to a rep from the loss mitigation team. On XX/XX/XXXX we received confirmation that they had received my loss mitigation application and the third party auth for XXXX. We followed back up on XX/XX/XXXX and they confirmed again that they had the documents and my file was under review. Today, we followed back up and spoke to two reps that could not find anything about a review going on. The second person was supposedly a escalation manager with the ID of XXXX. She advised nothing had been going on again. 

I can't wait another 2 years for another service to mess up on my documents again! I want to save my home!

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 2021-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
1. Consumer requested escrow account be removed from consumer 's account. Mortgage company refused. NOTE : Consumer had paid in excess of $ XXXX in principal curtailments. 
2. Consumer paid consumer 's property taxes in full, in advance, and homeowner 's insurance in full, in advance ; however, mortgage company purported to receive additional bills from the County Tax Office and Insurance Company. Mortgage company refused to provide Consumer with evidence of cancelled checks to either the County Tax Office or to the Insurance Company. Consumer met with County Tax Office and Insurance Company, both who denied ever receiving funds from the Mortgage Company ; however, acknowledged and provided receipts of payment in FULL from the individual Consumer. 
3. Consumer reminded Mortgage Company that there is no PMI associated with Consumer 's loan. Mortgage Company, corrected this mistake in writing ; however, in XX/XX/2021 monthly statement, deducts nearly {$800.00} to pay a purported PMI fee. 
4. Consumer requested : removal of escrow account ; refund of escrow surplus ; and removal of PMI. Mortgage company denied all three of Consumer 's requests.

5. Consumer received an increase of {$390.00} monthly to Consumer 's {$850.00} montly mortgage payment, due to an purported 'escrow shortage '.

6. Consumer made all of the above requests in writing and countless phone calls, without 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 explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
1. In XX/XX/XXXX I decided to pay off the mortgage loan with Chase Bank.

2. I first made my usual payment for XX/XX/XXXX on the XX/XX/XXXX.

3. Then I started a series of extra payments until I reached the payoff amount.

4. I found it very strange that the balance never went to XXXX  as I expected.

5. XX/XX/XXXX I went to the bank to resolve this. Met with XXXX XXXX who said that the issue is that they deducted interest for XXXX and XXXX from the one {$50000.00} payment. This is an issue because the balance on XX/XX/XXXX was {$4000.00} and on XX/XX/XXXX the balance was {$1100.00} 6. The 2 extra interest payments were for {$570.00} and {$570.00}, which explained why the balance never went to XXXX, as it should have. 

7. This was escalated and given a Reference # on 2 different instances : a. Reference # : XXXX b. Case # : XXXX ( Pay off dispute request ) 8. I called several times without any luck getting this cleared up. 

9. On the last occasion I got an individual who told me that in order to get reimbursed for any over payments I would need to close out the account. Then the mortgage dept at Chase would calculate the amount to reimburse me. 

10. We closed the account on XX/XX/XXXX. Then I got reimbursed for {$0.00} on XX/XX/XXXX. I called and told them it was an error and I was owed the interest I paid for XXXX and XXXX, but they said it was too late because the account was closed. 

13. My request is they re-determine the balance if the XX/XX/XXXX was all applied to principle and not a future interest. The XXXX and XXXX interest should be XXXX since the loan was completely paid off by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Day Bank of America:XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX, corporate office and the CFPB. 
I went to the above Bank of America facility to change my ATM card pin, because I had not used it in a while. So I had forgotten it. A young Lady an entrance desk greeted me and said she could help me change the pin and ask for the debt card and my drivers license, I gave her. She started tapping her stand screen and said my account was locked and she could not change the pin. But kept tapping the screen of what appeared my account even after she gave me my cardsback. I said OK I will go unlock it and come back, which I did. The second time she said she could help me after finishing with someone ahead of me. She was done with them after I had sat and then said sorry I can not help you after the wait, a banker could, then he said it would be a while too. I was frustrated and said you should have just said you could not help me after helping the nonXXXX customers. I drove to another Bank of America the same day XX/XX/2021. Got a person in the other bank to change it and went to the outside teller and made a deposit. The XXXX  bank had bad customer service and wasted my time. Also, you may want to check on bank fraud related to persons whoso not use there bank access as often. There may be a connection to fraud and misuse.

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 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loan Depot is my mortgager. They paid the wrong insurance company out of my escrow account on XX/XX/2021 and then finally paid the correct insurance on XX/XX/XXXX. They used funds from my escrow account to pay both insurances leaving me a deficit in my account. I have asked to have the funds from the wrong insurance credited back to my account in the amount of {$1700.00}, but still nothing has been done. This has been going on for weeks and they tell me I need to talk to the insurance company to get my money back. I have no contacts at this insurance company and am getting no help from Loan Depot. I'm currently in the process of refinancing with another mortgage company and Loan Depot are including my deficit in the payoff notice even though I should have a positive balance. I feel like the money has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX {$840.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation