vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
The finance company intentionally underestimated the escrow to gain business. 

I purchased a house XX/XX/2019. At the time of closure county taxes, insurance was known to the finance company and escrow account was set up.

To gain business, the finance company intentionally lied about what funds were required in the escrow account setting up additional payments now. In this day and age it would take monumental incompetence to XXXX up escrow estimates with accurate tax information and I believe the company intentionally underestimates escrow or completely disregards due diligence. Either way I am extremely dissatisfied with the actions of cal-h.

Anyone doing business with caliber should take care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I was a resident at the XXXX XXXX  located at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, On XXXX XXXX there was a attempted break in on my unit at approximately XXXX XXXX by a homeless man that broke into the secured building police were called out there were no security to let them in a second call was made and they gain access to my unit later found out there were no cameras however the homeless man was spotted and a chase to place and the suspect got away .Management was notified and nothing came from it .I called the housing court and was told if I fear for my safety which I did I should give them a 30 day notice explaining my fears and concerns I cleaned the unit we did a walk through ( management and myself ) my lease would have expired in XX/XX/2020, I moved out the following month after this incident however I didnt stay there anymore after the night of the attempted break in. XX/XX/2020 I noticed on my credit report from a debt collector ( National Credit System , Inc ) a debt of XXXX from this incident I have disputed this debt on the credit bureaus complains that this is false also attempted to take them to court .I would like this removed from my credit, I have evidence that these charges is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX  taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. XXXX XXXX XXXX as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
I applied and was approved for a covid 19 forbearance plan. Start date XX/XX/XXXX through XX/XX/XXXX. We recieved the approval email from the lender. The next month our loan was sold to another company. The forbearance remains in effect but my previous Mortgage has made an error and is reporting incorrectly that XXXX is past due. Per the email while on forbearance, late fees would stop and reporting would show current to credit bureaus. This has not been the case. I have never been 30 days past due on my mortgage and this needs to be updated as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My identity has been stolen along with my license, my bank information, my annuity information, my military ID, and several credit cards they also opened up five lines with five phones at XXXX. They took out {$42000.00} cash from my bank account all together. It was about a month now. They called my financial advisor and had him Transferred {$20000.00} into my XXXX account. I havent got any money back they gave me a new bank account but the person already took my money out and I dont know how theyre allowing this.also use my military ID  to go to the hospital because I suffer from XXXX and XXXXXXXX XXXX  they were drug attics who wanted to get drugs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with capital one regarding a extended auto warrant from XXXX XXXX XXXX. XXXX XXXX XXXX sold me an illegal warranty in the state of California. I provided all documentation to capital one on XX/XX/XXXX to support my claim. I soon after received a refund for the disputed amount {$2600.00}. It came to my attention when my service adviser XXXX reached out to XXXX XXXX XXXX to get repairs done around XX/XX/XXXX. He reports he waited on hold for 1 hour and when asked for VIN they hung up. He called back and waited on hold for 30 minutes before giving up. I tried to reach out to them and was also unsuccessful. I then did a XXXX search and found out they were not a legitimate company. Then on XX/XX/XXXX XXXX XXXX of insurance issues a cease & deceased order because lots of Californians were scammed. Fast forward to XX/XX/XXXX when my card was rebilled. I called cap one on XXXX, XXXX and twice on XXXX seeking resolution. Six months go by after I submitted all the documents I thought they needed, and I received a notification on my phone that my credit card was rebilled. They advised me a letter was mailed explain what was needed. At the time I called I had not received letter. I spoke to a dispute manger who advised me to send over documents proving I paid for repairs and any other supporting documents. I received email link on XX/XX/XXXX, which is when I uploaded additional documents. I called on XX/XX/XXXX and verified documents were received and they would expedite review process. I called back again onXXXX of XXXX spoke with another dispute manager and was advised my case was ruled in my favor. I was advised the balanced would be credited back. This all occurred on a recorded line. I noticed several days went by and my balance had not been reversed. I called back on XXXX of XXXX and was told something totally different. Infact I was told I lost my case because I did not provide correct documents. Capital one has been so inconsistent with providing me information not sure who or what to believe. They told me that no one actually looked at my initial documents I submitted on XX/XX/XXXX. I have been mislead and mistreated. I was also told because I didnt provide correct documents my case was closed. I believe I was not protected after proving my cases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXXXXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: U.S. BANCORP
State: CT

Complaint narrative:
I have filed a cell phone insurance protection claim as my phone was accidentally damaged beyond repair, for my US Bank Blue Cash+ Signature Visa card through XXXX  aka XXXX XXXX XXXX. Claim # XXXX Per Visa/Us Bank, I have provided the administrator with valid copies of recent credit card bills, original purchase receipts, repair receipts, warranty information, as well as screenshots of current replacement phone pricing The claim was denied, then denied again upon appeal, with a reason given of " Thank you for submitting your completed Warranty Manager program claim application. Unfortunately, we are unable to honor your claim due to the following : On the date of loss, Manufacturer 's warranty was still valid. Please contact the manufacturer for further repairs.

This benefit 's coverage mirrors the manufacturer 's coverage. The cause of the claimed product 's failure is not covered by the manufacturer 's warranty ; therefore, your claim is not eligible. '' Per the US Bank cardmember cell phone protection guide website at https : //mycard.usbank.com/GuidetoBenefits my card provides cell phone insurance coverage providing accidental damage coverage where no other applicable insurance or warranty exists to cover the loss. I have no other insurance for this item, and per the manufacturers website at XXXX XXXX XXXX-of-sales, accidental physical damage to the device is specifically excluded from warranty coverage.

Multiple phone calls to US Bank and Visa on XX/XX/20 have specifically referred me back to cardmember services. As of today, XX/XX/20, I have 2 seperate emails as well as verbal confirmation over the phone from XXXX / " Cardmember services '' published customer service number that they will not cover this claim. Further attempts to contact supervisors at all the above named companies have been unfruitful. 

I fully intend to pursue legal remedies should informal contacts with the above named companies continue to be unproductive. A notice of intent to sue / demand letter will be my next step. 

All documents mentioned have been previously provided to Cardmember Services as directed, and will not be attached here ( because they've already been provided and I've spent enough time dealing with this already that I don't feel like attaching all that XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: LA

Complaint narrative:
I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Just over one year ago I opened a business account with Mainstreet Community Bank. As of XX/XX/2020, my account was closed. 

I spoke with an agent via phone, and they told me that a letter was sent out to notify me of account closure, however I did not receive it. 

I made consistent payments on this account until I was drastically effected by COVID19. So I made the efforts of notifying Mainstreet and joining their program. I explained that I had lost over 50 % of XXXX XXXX  income. 

I was not notified as to when the program would end, so I maintained monthly contact with the company via phone. 

As you will see on my attached document of payment history, I have made every effort of getting back in good standing with this company including paying the overdue balance. 

I was not aware my account was closed until after I made the last payment and noticed that I still did not have access to funds. 

As a young XXXX, there is a lot I do not know about the process of credit. In this case, it costed me because I genuinely did not know that my account would be closed even if I was keeping constant contact with the company. I have never been in a situation like this. 

Further, I want to continue to groom the relationship I have started with Mainstreet Community Bank. They took a chance on me and I do not take that lightly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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