vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
Around late XXXX to XX/XX/2020. We started to apply for a home loan for a SALE BY OWNER ( FSBO ) Property. We were given the priority by seller to purchase this home up front. We initiated the process with American Pacific Mortgage, turned in all documents necessary, started escrow, started and paid for inspections, paid for septic clean up, etc Everything came downhill when the property was inspected, the report came back saying it had a 2nd home on the property, and simply right off the back was not considered a single dwelling. The company failed to package the loan properly and therefore failed to investigate the status of this property, after we asked for a second opinion, hoping to get another home loan elsewhere, our second loan officer told us that the verbiage used to describe this home was incorrect. It should have been a single dwelling with an accessory. 
All along this property qualified under the title of a single dwelling, that small house shouldnt have been an issue. 

The issue then became the down payment. They wanted us to shell out 20 % when ultimately the buyer that bought the home after us put down the minimum 3.5 % down. The excuse was that the property had 2 houses & was not considered a single dwelling BUT our second loan person told us THOSE FINDINGS were an error. This is our problem .... WHY did this company give the " proper '' loan to the current owner of the property in question with ONLY 3.5 % down?

Did they give him priority to purchase said property because he was a current customer of theirs already and was in the position to get more loans with them in the future? ( it was his second loan w/ them, and he planned to refi with them and possibly go for a 3rd home loan ). Wouldnt this behavior be considered questionable if we were as qualified as much as the current owner was? Why him and not us? We where already the chosen buyers to acquire this property, by seller, other buyer came after our loan crumbled with American Mortgage. Given the facts we know this transaction has more of a fraudulent tone than just an error this deserves an explanation of what REALLY transpired American Mortgage can only answer to 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 2021-07-13 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: AL

Complaint narrative:
I have been working to get this inaccurate information removed from my report for three months now going on fourth months soon. I started sending letters to the bureau on XX/XX/2021. They have ignored them all. They are not doing their jobs and must not have anything on these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing charged my mortgage on XX/XX/2021 $ xxxxxx paid by xxxxx on behalf of xxxxxx who is assisting me with mortgage at xxxxx account xxxx. 
The correct amount should have been {$630.00} because I paid {$380.00} on XX/XX/2021 to total {$1000.00} for XXXX mortgage resulting in an overpayment of {$1000.00} that should have been refunded by Friday XX/XX/2021 due to 10 day processing time for refund. SPS instead applied over payment to next month XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint is 1 Experian didnt have sent me a single report of all my disputes by mail 2 Experian is acting ruthless to my credit report validating inaccurate information is my credit report like a dictator 3 I sent my proves of my disputes to Experian and even not a single report match with any credit agency with many thing they still say that this report is form the furnisher Committing violations after violations to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. 
IT HAS NOW BEEN OVER 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE First letter sent XX/XX/2021 30 day demand letter XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt.

3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer.

5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: ERC
State: OH

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Account Paid In Full to utility company XXXX XXXX before being submitted to collection. XXXX XXXX and XXXX  have both deleted this inaccuracy from my report but Equifax  has failed to remove after 3 disputes. Account is clearly listed as PAID and they are still reporting it as a COLLECTION ACCOUNT when this information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: OH

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I filed a complaint # XXXX on XX/XX/XXXX on Comenity Bank for not removing an account off of my credit report which they agreed upon by cashing the money order that was enclosed. The letter stated that upon cashing the money order, they agreed to settle the account and also remove the XXXX account off of the credit report. The money order was cashed on XX/XX/XXXX. They claim they never received the letter that accompanied the money order, but they cashed it. Their response through CFPB, the letter that I received, stated that they will not remove the account from the credit report, even though they accepted the terms and conditions by cashing the money order. They also stated in this response letter that all settlements were to be sent to a different address, XXXX XXXX XXXX which the representative did not state. The original letter dated XX/XX/XXXX, they sent me stated that after I spoke to Recovery Department, to send payment to XXXX. XXXX XXXX which I did. They violated the terms that I sent them and are trying to keep from removing the account from my credit report even thought they received the settled amount. Also, the second money order they stated they received had the correct account number on it, which was to a XXXX account. The letter for the XXXX account had the wrong account number ( the XXXX account number ) but the money order had the correct account number. That dollar amount was supposed to be credited to the XXXX account. They have violated the terms agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/2021 I sent XXXX  a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX  as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My father passed away some time ago and I am trying to settle all of my fathers affairs with accounts and property. His other accounts and property have been handled with no issues at all except for the account at Bank of America estate department. I opened a case with the estate department in XX/XX/XXXX and that case number is XXXX. I was given the instructions to submit a death certificate, letters of instruction for all parties and a court order. All documents Mentioned above has been sent at least 3 to 4 times to XXXX and I am told different things about the documents saying that some of them were received, some were not or some of the representatives saying it takes 24 to 48 to be seen and added but it has been times I sent documents and they were sent immediately by the representative. On my second to last of the multiple calls waiting for an average of an hour, I was informed my court order was rejected by the estate department because some things were redacted and I would be receiving a letter in regards to this. Upon waiting for this letter to arrive in which has been over a month, I verified my address they had on file for me and it was an address that I hadnt given them and has not been used in over ten years. As of this writing, I have yet to receive the rejection letter. On XX/XX/XXXX, my lawyer was able to obtain an clear copy of the court order and it was sent immediately at XXXX and three additional times at approximately XXXX. After being on hold yet again for an hour and a half to see if the documents had been received, I was told that it takes 24 to 48 hours to see the documents again after previous representatives verified it immediately. I became upset and I had my case escalated immediately and I will have a call from the escalation team within 24 to 48 hours. I reluctantly gave in and they gave me a complaint number of XXXX. 48 business hours have passed as of XXXX today XX/XX/XXXX and I have still not heard from anyone via phone call, email, mail. Please help me as this is my fathers final objective and his estate can be successfully closed and this can be put to rest. 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 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: SC

Complaint narrative:
I received a letter from Diaz & Associates dated XXXX requesting payment on a debt supposedly from original creditor XXXX in the amount of {$690.00}. I do not recall a recent or even past account with XXXX or what type of account it supposedly was or when the original account opened. And another company, XXXX XXXX XXXX XXXX, just randomly reported this same debt for {$690.00} and also one for {$720.00} from XXXX to XXXX as collection accounts on XXXX. I have already disputed the XXXX XXXX XXXX XXXX  collection reporting with XXXX  to no avail. I have also submitted a CFPB complaint regarding XXXX XXXX XXXX XXXX. I believe these requests for payment and credit reporting are based on inaccurate and/or fraudulent information. It appears these so-called debts are being transferred from one " company '' to the other very quickly which seems questionable. I doubt these are legitimate attempts to collect a valid debt and want proof to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
For about 4 years {$150.00} had been transferred via allotment on my LES to Bank of America. I called to try to find the account and was told the account doesnt exist yet the routing number is for Bank of America. I have called ever department including XXXX  and havent been able to find the account. Over {$7000.00} is unaccounted for.

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 2021-07-13 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: CO

Complaint narrative:
I AM BEING REPORTED 60 DAYS LATE IN XX/XX/XXXX ON A CAR LOAN THAT WAS PAID OFF AND CLOSED IN XXXX, XXXX. THIS ACCOUNT WAS NOT LATE AND HOW CAN IT BE REPORTED LATE WHEN IT WAS PAID OFF OVER 6 1/2 YEARS AGO? XXXX XXXX XXXX WAS THE LENDER, UNDER INSTALLMENT LOANS THAT ARE CLOSED, MAY I ADD AGAIN OVER 6 1/2 YEARS AGO. PLEASE SEE ATTACHED DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CITIBANK, N.A.
State: OH

Complaint narrative:
They closed my card due to inactive with no in-advance warning. And told me all of my cash rewards are forfeited.

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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 for this company to validate my debt. And they failed to validate my debt. Instead they sent a copy of my medical records/procedure. Which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form allowing them access to my medical information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: OH

Complaint narrative:
i was in XXXX  when account was open from XXXX XXXX  XXXX, XXXX XXXX on XXXX i contacted the police and credit bureaus the amount of loan was 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 2021-07-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/21, I attempted to purchase a pair of lamps from XXXX using a Citibank credit card. I never received the lamps, the website disappeared, and its social media disappeared. I then attempted to dispute the charge of {$29.00} with Citibank. Citibank initially issued a credit and claims to have contacted the merchant. Today, I received a letter from Citibank denying the dispute and refusing to issue the credit. Citibank also enclosed what it purports to be the merchant 's response. Interestingly, that sheet lists the " Business Description '' of the merchant simply as a friendly " XXXX. '' Sure seems legit. 

This is absurd.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Date:XX/XX/2019 Amount : {$1000.00} Action Taken : Sent multiple disputes and also went through CFPB and on one of my credit reports, this collection agency has a different name abbreviated which made it difficult for CFPB to locate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
In XX/XX/2021, I discovered a mysterious debt on my XXXX  credit report, in the amount of {$1400.00}. The line item references SUNRISE CREDIT SERVICE, and date opened ( with Sunrise ) is shown as XX/XX/2021. XXXX XXXX XXXX  is listed as the original creditor. 

I do not recognize this debt at all and do not understand why it is appearing on my credit report. It might be a result of identity theft, but I can not verify this. I disputed the debt with XXXX, but they eventually replied " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' There was nothing helpful in the report. 

On XX/XX/2021, I also emailed a letter to Sunrise Credit Services , Inc. ( XXXX ), but have heard nothing from them.

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