vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On or about XXXX I submitted online and sent by mail a dispute of account name : Midland Credit XXXX To XXXX XXXX, and XXXX. I provided a copy of my court notice that case has been dismissed with prejudice. I have disputed this account in XXXX, XXXX, and XXXX of XXXX without any change to my credit report, all the bureaus stated " Investigation results- verified and updated. I don't owe this company and it needs to be removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was a victim of fraud with Fulton bank. Fulton bank cashed a fake check and took my money and left my account in the negatives. The fraudulent check came from an indeed job posting. I have email correspondences stating it was not legit. Indeed removed job postings so no one else was subject to what I am going through. They told me I was going to be employed as a driver and I would need to cash the check and put a deposit on the vehicle. I sent them all my information including driver license, social, and birth certificate. Fulton Bank has taken all my paychecks deposited into the account and money that was previously in my account. They did not even file a dispute for fraud but took all my money and will not release it. My contact information is XXXX. I am a single mother with two kids and recovering from hysterectomy due to XXXX XXXX. I am disgusted with how I am being treated and now being stolen from. All deposits going to be made will be taken from me. They said they could not close the account only freeze it so I can not use it but money can still go in that they will take. I have attached all documents

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 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
i went on the forbearancemay XXXX untilXXXX XXXX due to lay off from corona shutdowns i completedthere forbearancepackage, they sent thru the mail like instructed took it to be notarized the noter, notarizedmultiple places we found in the bound paperwork but failed tofind two pages. 
paperwork was sent back for above reason, immediatelytook to noter and fixed the problem mailed back to suntrust they somehow added my XXXXhusbandto the loan unknown to me that i needed to sign his name foracknowledgementreasons only they stated. sent it back again ... signed his name and returned it for a third time they sent it back because it didn'thave his initialson a paper, mind you after a couple times you would think they couldsee i was strugglingto find all the little spots that loan officers are paid heftysalariesto point out for accuracy. 
i then sent it back for a fourth time with a hope and a prayer that id found all the secretspots i started making payments XX/XX/XXXX till i made XX/XX/XXXX payment and they didntsend the paper workbackthey sent all my payments back totalling XXXX XX/XX/XXXX reason being they were not the total to pay the whole forbearance ive called suntrust countless times and no one will answerthe phonei have a XXXX  rep that will not answerthe phone i talked to XXXXXXXX XXXX the housing counselor XXXXtold me to contact hudshe called suntrust to help me work it out we on just that one day was on phone for over 4 hours i dont want to lose my home i know many americans that did the forbearanceplan i've owned this home since XXXX and neverbeen late i have excellentcredit and dontknow where to turn XXXX told me that hud could help me and that you wouldhave a more direct line approach to suntrust or who ever they have sold out too thanks for all you help please call me im not sure what to do or how to approach suntrust as they have cut all lines of communicationivebeen into the branch multiple times and been told that due to merger they can no longer talk to me only the home preservation reptheres no way to get ahold of her or anyone to help they are setting me up for foreclosure XXXX XXXX for accuracy purposes ive included the housing counselor and suntrust home preservationclient representativeplease reply all with necessarycorrespondence i've never paid a payment thru email and i didnt this loan thru emailwhen i've had a problem i've always been able to call and talk to someone on thephonethis is thefrist time in XXXX   years to communicateby email. i had to get mygrandkid to help with this. again obviously i'mstruggling with the timesbut ive got my job going and was and still am ready to resume making paymentsi 've requested and ask for return calls

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 2021-07-19 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: NC

Complaint narrative:
I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. 
XXXX XXXX # XXXX

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 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone by the name " agent XXXX from EDD '' took money out of my account. Then he changed my password and now I can't even get into my bank of america account if I needed to. He took close to XXXX dollars from me. Now I HAVE NOTHING I need my money back urgently I don't know what to do. Please someone help me. I immediately called EDD the moment I realized what had happened and I talked to a very kind gentleman named XXXX who froze my benefits for me and sent me a new EDD card. I finally got my card in the mail but there's nothing on it. Can someone please please help me I have no clue what to do to go about getting my money back, I don't mean to sound so desperate but I am ... please and thank you I hope I hear back from someone soon

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
Credit Corp Solutions has called me EVERY DAY. I have a call from today at XXXX XXXX  from them, Thursday they called me at XXXX, they call me multiple times during the day, they call me at night when im at work. They've been doing this for two weeks. They call from different numbers each time they call me and im constantly blocking different numbers every day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Since XXXX of XXXX, I made many requests for an escrow analysis, I received one around XX/XX/. In North Carolina, we are to get them in XXXX. After reviewing this analysis ( attached ) there is not a clear explanation for the {$39.00} dollar increase in the mortgage payment, when the escrow is requesting a payment of {$63.00}. This amount broken into 12 payments is {$5.00}. On the payment slip, it states this is not a bill.

I would like to make the additional payment to keep my monthly payment at {$660.00} and there appears to be a discrepancy in what I am supposed to pay for escrow balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I tried to purchase a laptop for {$700.00} on XX/XX/XXXX from a person through XXXX XXXX. I used XXXX within my Wells Fargo app. I transferred an initial payment of {$490.00} to the seller, however, I never received the item, and the seller stopped responding. I contacted Wells Fargo to report the scam, and my case was looked into but was closed with no resolution in my favor. They just said they were unable to reach the recipients bank and did not refund me my money, even though online banking is supposed to be secure.

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
Account Name : XXXX/FORTIVA Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Since year XXXX, and year XXXX XXXX. 

I have made numerous requests with legal documentation provided to have Equifax LLC change and update my legal name on my credit report. The full name that appears is inaccurate.

Equifax LLC has refused to acknowledge and/or make requested change. Equifax LLC credit reporting agency continues to report wrong and inaccurate information about me and has caused loss and difficulty in obtaining credit and mortgage loans because of reported inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NJ

Complaint narrative:
Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't Equifax, XXXX, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MA

Complaint narrative:
I received a phone call today ( XX/XX/XXXX ) attempting collect a debt that I do not believe is mine. The creditor could not give me any information about the debt with the exception of the original bank name, and amount due. They gave me access to log into my online account. There was very little information in the online account ; however, I called back once I discovered the first name on the account was wrong and the address was 15 years old. The account is not on my credit report. I have never received any information regarding the debt and have no knowledge of an account being opened in XXXX, as I had a federal saving account in XXXX and am being told this is originally a XXXXXXXX XXXX account. When I called back I was told I could dispute it with the company, but it would likely be sold to another debt collector who would attempt to collect this debt. This is past the statute of limitations for XXXX XXXX where they say the debt is coming from, and the statute of limitations in the state where I live, XXXX I had my identity stolen in XXXX of XXXX and they are stating this account is from XX/XX/XXXX but have given me no information with the exception of a log in to pay the debt amount. I believe this company was deceptively trying to get me to reactivate an old debt that does not even belong to me. The attached file is the only communication I have ever received regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NC

Complaint narrative:
I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. 
XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NC

Complaint narrative:
I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. 
XXXX XXXX # XXXX

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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I applied for Hardship with SPS Select Portfolio, phone number XXXX XXXX XXXX, as the company servicing my loan. I explained and sent all the documentation required by SPS proving my advanced XXXX diagnosis, and my sensitive financial situation as a self employed professional. I requested a loan modification because I have tried to refinance my house but due to my high debt ratio, my request was denied by several financial institutions. 
Last week, I called SPS to report the lack of professionalism because this institution keeps asking multiple times for the same documentation that have been already sent. For example, in the last correspondence, SPS keeps asking for people contributing to the payment of the mortgage when other than my self and my wife low wages, there are no other person,. SPS has asked 5 times to send my bank statements which have sent five times. Last Friday, a lady from SPS asked me to stop making my mortgage payments, as the best solution, and do not want to do this because, I am a decent responsible person, I am asking for help when I need it the most, and lower my monthly payments during my XXXX and XXXX XXXX and until my wife finds a job is the best option. Of course, I have ruled out the possibility to sell the house right now, as it has been adapted to my physical needs, and I can not cope with a move right now. I have XXXX children under the age of XXXX both XXXX XXXX XXXX, and I am only asking for help until I finish my XXXX  in one year and be able to offer my services as a consultant again. Pushing people to stop making payments is not a solution, when financial institutions can offer help in several ways. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB Corporation
State: PA

Complaint narrative:
On XX/XX/2021 I sent a dispute validation letter, cease and desist letter to USCB Corporation. Under 15 USC 1692 C ( c ), 15 USC 1692 C ( c ) ( 2 ), 15 USC 1692G this company is in Federal Violation and did not follow the proper guidelines under the Fair Debt Collection Practices 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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for bearance during covid and approved for 12 months which was ended on XX/XX/XXXX. I elected for forbearance and loan modification offered by Bank of America and I applied for it ( who was my original lender for 20 plus years ). Initially I was asigned a loan officer for the file for the first two months ( Ms. XXXX ) and everything went well ( loan application was sent, completed and was send for underwriting ).

But without any reason given my loan officer was taken form from the file and my file was handled by pool of representative who were working from home until XXXX. I tediously followed up on every request and fullfill them. Unforfunatelly this folks from home never had full excess to bank of America and always were vague or incoherent in following ... with excuses inludes lost electric, baby sitting etc. Finally, On XX/XX/XXXX a young lady on the phone indicated the file is approved and there sending the document out to me for signature. I waited for two weeks and nothing came. I called back and got another guy called XXXX, shocking he said no documents were send out and the file is still and the underwring but acknowledge that the representaive conversation on XX/XX/XXXX saying file approved and docs out. I ask for the supervisor but he promise to get all of them because of the seriousness and revert back in two hours. Three days passed and no call came. I called back again on XX/XX/XXXX and this time I got account manager on the line but this time something strange happened. Since I filed for bankruptcy on XXXX and closed on XXXX and reopened for some technically error by the judge ( which was acknowledge in writing ). He indicated that he needs athorization from banckruptycy lawyer to talk to me, I have indicated that authorization given and thats the reason everyone was talking and emailing and mailing me stuff. He indicated that was missing now and needed another one .I feels this was done to cover ups their scam and scruplous activities. anyway my lawyers immdiatttely send another aurhorization. To my suprise another account manager XXXX from texas told me today XX/XX/XXXX that he apologies for all errors and shortcomings but I needed start another application which he going to send. I told him I am appalled and shock to hear on that but will accept the application without prejudice. I even paid few months in betwen the forbearnce in good faith. My house is worth XXXX XXXX and I have XXXX plus in mortgage. I am worried and concern bank of American might be engaging in some fraudulent scam practice with their customer. I am also going to file the same with attorney general office.

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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket Mortgage ( Quicken Loans ) gave me a pre-approval to buy a condo in XXXX XXXXXXXX XXXX XXXXXXXX XXXX the buyer of this condo accepted my offer back in XX/XX/XXXX. After months of waiting for a closing ( closing date was supposed to be XX/XX/XXXX ) they called me last Friday to tell me that they received a questionnaire from the HOA at the resort and because there are rentals at this resort Rocket Mortgage declined my mortgage. This questionnaire to the HOA should have been done prior to my pre-approval and my mortgage acceptance. 

I have been paying rent on this condo since XXXX waiting for closing and I spent {$5000.00} to move from XXXX NY and now I might have to move because buyer is tired of the wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I do not know a lion loan was place on my credit report by NCA

Company response to consumer: Closed with explanation