vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I paid Dovenmuehle Mortgage by automatic payment my monthly mortgage of {$1600.00}. The paymnet cleared my account on XX/XX/2020. After payment was sent, I received notice of a serving transfer. As of XX/XX/2020, I called the new servicer and no payment was forwarded from Dovenmuehle Mortgage to the new servicer. I called Dovenmuehle Mortgage and was not able to talk to anyone about this. I emailed Dovenmuehle Mortgage and no resposne was received. As of XX/XX/2020, Dovenmuehle Mortgage has not applied my mortgage paymnet, has not refunded it, and has not forwarded it to the new servicer. In short, they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To whom I concern, I would like to inform you that the debt collection company Midland Credit Management with the accounts XXXX and XXXX has been calling me on several occasions and the last time telling me that they are going to put him in a lawyer to enter my bank account and take my money. When I let them know that now I have not been working for 8 months because of the Covid 19 pandemic.That unemployment money has been surviving paying for food, housing, and medicines but these people I don't understand. Please I need you to contact them and they can help me. At night I can't sleep thinking about all this and my son is asthmatic. 

Company information : Midland Credit Management Location : XXXX XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX Telephone : ( XXXX ) XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received a copy of final loan documents via docusign on XX/XX/20. My loan was scheduled to close on XX/XX/20. When the notary got here, the loan amount had been reduced from XXXX to XXXX. The cash due to borrow had been reduced from approx XXXX to XXXX without any advance notice. 

The notary and I tried to call Citimortgage repeatedly to find out the cause of the change and were unable to reach anyone after calling XXXX XXXX, his manager, the loan processor XXXX. 

I did not sign the paperwork as have not received a final copy of closing which is required by law prior to the closing. 

I appreciate any help you can lend with understanding what has occurred and why. It has been approximately 7 months since I initiated the loan. I have responded timely to every request and don't understand what occurred that resulted in this last minute change without any prior notice.

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 2020-10-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for SBA loan and they deposited money to my account but chase bank closed my account and hold the loan money and my personal money about 2.5 months, the SBA company told me this money is right and nothing is wrong and chase bank have to open your account but the chase bank told me you have to give us EIN number but I explained to them I don't have EIN number because I am a XXXX XXXX ( XXXX, XXXX ) and sole proprietor, chase bank wanted me to send all my documents such a tax papers, CPA later from lower, SBA approval documents and I did, anyway they don't accept to open my account. 

MY APPLICATION NUMBER ( SBA ) ( XXXX ) : XXXX MY APPLICATION NUMBER ( SBA ) ( XXXX  ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XX/XX/2020 I alerted All credit reporting agencies of fraudulent activity and unauthorized use of my personal information with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Equifax Fraud Department say they never received my Fraud Report from the Federal Trade Commission and my Police Report all-thought I received phone confirmation of it being received and I emailed the complaint online for a 2nd time to Equifax about XX/XX/2020. Equifax was to Block and/or Delete this fraudulent account from my credit report but to this date they never have ( only XXXX has complied with the Federal Trade Commission and deleted XXXX  XXXX from my credit report ). 
Now again, XX/XX/2020 a fraudulent hard inquiry from XXXX XXXX XXXX  and XXXX XXXX  - unauthorized that I did not make is on my credit report ( s ) I initiated complaints with Equifax 2 to 3 times  since XX/XX/2020 and they will not delete these erroneous fraudulent hard inquiries despite my calling the companies and them mailing Equifax documentation to delete. Equifax for seven ( 7 ) months now has been incompetent in investigating and timely processing my requests!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
Please REOPEN case XXXX as the contract provided is fraudulent. One it reflects an address of : XXXX XXXX XXXX, XXXX, OH which clearly DOES NOT belong to me. And that is NOT my signature. As stated before this is not a clear validation and does not match any of my personal information. If this debt is not removed I will contact my attorney. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt **COMPANY HAS NOT PROVIDED -Balance claimed including all fees, interest and penalties **COMPANY PROVIDED INVOICES BILLED TO AN OHIO ADDRESS THAT DOES NOT BELONG TO ME -Contract bearing my personal signature **COMPANY PROVIDED A CONTRACT WITH AN OHIO ADDRESS THAT DOES NOT BELONG TO ME AND DOES NOT REFLECT MY PERSONAL SIGNATURE -License proof to collect debts in my state **COMPANY HAS NOT PROVIDED

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
talked with them, and they they wont work with me.after changing home owners insurence.and they still want money for a policy i no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Account was closed without explanation on XX/XX/2020. It is now XX/XX/2020 and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life.

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 2020-10-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false account. I have recently filed a Federal Trade Commission complaint to enable them to resolve this issue immediately and I will begin federal civil court proceedings against National Credit Systems shortly.

NATIONAL CREDIT SYSTEM Amount : {$740.00} Date opened : XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
This is not a complaint against XXXX XXXX she is trying to help me. I have several concerns. I did get an NOI not certified but i did get it. i have concerns about fees on my account i will not pay and should not be assessed. There is no need for a property inspection fee. Various legal criteria must be satisfied before these can be assessed and where not.i know fay servicing knows where i am. I also know that case law indicates that i must be noticed before this happens and borrower communication is a issue bank must consider ebfore inspections occur. In XXXX i sent a letter ceritfied to FAY saying not to conduct inspections i am home house is not vacant. i know you will say promissory note allows this. Not without various legal criteria being satisfied. 
As for loan modification, I am very concerned esp during covid 19 i can be in this situation and i have no entitlement. I need all documents upon which the decision to deny me was made. Also i am in appeals period til XXXX. I am going to be requesting several items from Fay servicing thru a QWR shortly but i need documents upon which recent loan mod rejection was relied upon. i wont pay any inspection fees as i warned months ago they are not needed please stop them. Varoius legal criteria i know about not met. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.

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 2020-10-19 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.

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 2020-10-19 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I purchased airfare through XXXX for XXXX XXXX using my Comenity credit card - 2 roundtrip flights and I was charged twice each {$830.00} and {$490.00}. On XX/XX/XXXX I had logged onto the XXXX website and noticed that they had cancelled those flights, but had not contacted me ( they never did actually ). On that day I went on live chat with an XXXX rep who confirmed that I was to receive a refund to the credit card I used and sent an email confirmation. After 5 weeks ( around XXXX ) I sent a dispute to my credit card company because I felt that 5+ weeks was sufficient to issue my refund ( I included a copy of the email confirmation ). The credit card company did nothing for several weeks. So after 8 weeks of waiting ( the longest XXXX claimed it could take ) in XXXX I sent another dispute to Comenity including the email again. In XXXX I noticed that they finally issued a provisional credit for all 4 charges. They do not put in the actual dates in their system so I'm not sure when, but by XXXX. When I logged in XX/XX/XXXX I noticed that I had been re-charged all 4 charges again. They never requested additional documentation, but I had already provided evidence that XXXX acknowledges they are to refund me. I then called and was asked if I could once again send a copy of the email confirming I am to be refunded, which I did that day. I also included a follow-up chat where XXXX claimed they tried to issue the refunds on XX/XX/XXXX but encountered some unknown problem ( this was in XXXX ). In the meantime I do not even have the provisional credit on my card and it seems that Comenity is doing nothing to protect me. As of today, XX/XX/XXXX, I'm still getting the same line of we're " working on it '' from XXXX. Comenity isn't protecting me against fraud at all at this point. I've proven repeatedly that I'm due the refund according to the DOT federal regulations. Comenity can't even explain to me why they would charge me again. And now I have a payment due, but I should actually have a credit on my account with these refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My student loan was discharged in a court settlement for predatory lending. All account balances have been discharged for the affected borrowers, even people who were default on their payments and never paid their balances. I made all of my payments on time and have paid more than {$10000.00} on this loan. I feel that if the loan was found to be fraudulent or predatory and they are discharging all remaining balances, even the people who never paid anything, then I should be entitled to receive all of the money I have paid into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.

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 2020-10-19 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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my requests. This account information does not belong to me and they have failed to show me how they officially validated this false debt. 

BARCLAYS BANK DELAWARE Amount : {$1900.00} Date opened : XX/XX/2014

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I contacted Nationwide Recovery about the debit owed to XXXX XXXX XXXX. I have not lived in Georgia where this was " Acquired '' since early in the year of XXXX. I do not have knowledge of this account and do not believe this is my account. I have tried in the past to clear this record up by having my insurance company pay. However the Georgia State XXXX office could not find this visit. Also Again I have not lived in Georgia since XXXX and this was listed on my credit on XX/XX/XXXX. Three years after I moved away. This is not timely in the least. I was told the debit was acquired in XX/XX/XXXX but was not listed until XX/XX/XXXX. Again I do not have any recollection of making any trips in on or around XX/XX/XXXX. I contacted Nationwide Recovery and was told there was nothing they could do to help. They stated the quickest and easiest thing for me to do was dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IN

Complaint narrative:
I made a mortgage payment through XXXX XXXX  for my XXXX mortgage payment. I received a call on XX/XX/XXXX that the payment was late and needed to pay that day in order not to be reported to a credit agency. I made a payment over the phone and that payment posted to my account to prevent being reported as deliquent. 

I then contacted XXXX to get a cancelled check for the XXXX payment and that reflects Ameri Home cashing the check on XXXX. That payment proof was faxed to Ameri Home on XX/XX/XXXX as proof of payment. 

I asked them to apply the cancelled check as my XXXX mortgage payment, and it still not resolved. I have contacted them several times each week since that period to check on the resolution. I have spoken to countless customer service reps and managers, I have emailed my bank statement and proof of payment to mangers directly, I have faxed the documents and I have sent the documents to the payment processing department to create incident numbers. Not one person has been able to help me, I keep getting pushed off to give them another week. It is now XX/XX/XXXX and my mortgage payment still shows due XXXX because the payment is not yet applied. I spoke with them again today and they informed me if I paid my XXXX payment, it would be applied to XXXX and I would still reflect as late. 

The amount of time this has taken me to try and resolve is not acceptable, the customer service I have received is poor to say the least. I have done my work to get this corrected and I am still the one who they say the burden of proof is on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The Debt is not mind. I sent Police reports, and letters to them about the problems that I got with Identity theft. But they still garnished my wages. I filed another one. I do not understand the law. Why should we pay for Banks mistakes that's not right. What protects a person form Identity theft. It effects so many people. I use to think we had a better system than we do. I have notified the Credit agencies of the problem and put a freeze on my SS number and credit info. Debt collectors need better research, like pictures, finger prints. I have been having problems sense 1979. Someone used my name and put a middle initial in it. Used my SS number and change a number in it. Almost every year for the last twenty years or more I have got some kind of notice from these debt collectors. Please look in to some of the unfair tactics that are being used. Who protects the poor person who can not afford a lawyer to deal with situations this? And they know this. Thanks. ( I believe you guys know something wrong that is why you have this page. )

Company response to consumer: Closed with explanation