vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I had overage of {$5400.00} in my loan account XXXX and CrossCountry said they sent me a check of this balance, but I never got it. Im so XXXX  of this company that I moved to another mortgage company. I got one check from my escrow balance when I closed my account but still missing the {$5400.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX. I had a balance of approximately $ XXXX. XXXX was at a promotional 0.9 % and XXXX was at 3.5 %. Payments are applied to the 0.9 % balance first before being applied to the 3.5 %. I planned to pay the loan off in full, and re draw my balance, after reaching {$0.00} so that all my new balances were at the 0.9 % balance XX/XX/XXXX I wired XXXX from my personal bank account. The title company I refinanced with was supposed to wire XXXX this day too, but instead overnighter a trust account check. 
XX/XX/XXXX Vectra received and deposited the XXXX title company check. I tried to get the check stopped and a wire sent. Vectra returned the XXXX wire that was sent XX/XX/XXXX by the title company and deposited the check, despite me asking to do the opposite. 
XX/XX/XXXX Vectra cleared the XXXX check as they knew it was " good funds. '' XX/XX/XXXX Vectra loan specialists says my account balance is {$0.00} and any money I draw will be 0.9 % and amortized over 10 years. I redraw XXXX and this is amortized properly and payment and interest rate is correct. 
XX/XX/XXXX I receive a wire from Vectra for {$120000.00}. Confused, I call the loan specialists I was talking to. I said I was going to draw that money again, so as long as it was at the 0.9 % I was ok with the payment/redraw to me. She confirmed the XXXX would be at the 0.9 % interest. 

My XX/XX/XXXX payment comes and my payment is XXXX what it should be! When asked why, Vectra said I didn't pay down my XXXX of the XXXX loan completely, so it was amortized on the XXXX owed at one point. This is even though the statement they sent me showed me having a negative balance for 3 days. Vectra then changed dates on when money was received. My statement that was mailed to me says one thing, the statement online on XX/XX/XXXX say something different, and the ledger online says something different. None of the current statements reflect my payment made on XX/XX/XXXX. On XX/XX/XXXX I get an email from Vectra rep that states false dates wires were received ( I have confirmations and dates ), and that Vectra was the one that MISTAKINGLY returned the XXXX wire that was not requested by anyone except internal errors/assumptions thinking the loan was overpaid. Vectra also stated that was the last time they would talk to me about the loan. Despite the paper trail saying something 100 % completely different from what they are telling me. They refuse to correct my payment. In the mean time, I had to pay over {$400.00} in late fees waiting their response, and paid about XXXX more in principle than I needed to due to their error. Vectra is just hoping I go away and they don't have to honor their 0.9 % offer on the correct amount I have drawn.

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 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I have tried and done everything in my power for PRMG not to continue charging me the PMI since I got to 80 % LTV, I'm now on 72 % and they just turn their eyes away and don't do anything. I understand this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. EQUIFAX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.

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 2021-10-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called the company to make arrangements and inform them that i would be slightly late on my payments for XXXX and XX/XX/2021 due to loss of wages due to covid. They seemed sympatric and informed me to pay as soon as possible and they would not report this as a late payment but as a hardship, but still the late payments were reported on the credit. I am currently up to date despite my hardship and currently applying for a new apartment to rent and this information is hindering my report. I would like the late payments forgiven and my profile updated.

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 2021-10-05 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: PA

Complaint narrative:
Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I'm 2 days late on my Target credit card payment - over the last 2 days I've been harrassed by multiple calls a day from the same # also just received a call to collect after I told them to stop calling me at XXXX which is outside business hours and not appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hi my name is XXXX XXXX on XX/XX/2021 capital one froze my accounts I wasnt able to access my accounts to pay my rent my bills my medical bills and any other important activity that I have going on in my life. I normally pay my credit cards on time every time, but because they froze my accounts I was unable to pay my credit cards I was unable to buy food pay rent I almost lost my home and I wasnt able to afford any medical assistance. They kept my account frozen for three months During these tough times during CovidI would never have thought the capital one bank that I had for almost 10 years would freeze my account.Because my accounts are frozen I couldnt pay my credit card bills and capital one started to charge me late fees and collect interest. Im trying really hard to pay my credit cards off right now but I can not afford to pay the interest fees and the past due fees. Its like they purposely set me up to keep charging me interest and interest and fees on top of fees to make money off the money I dont have to make money off the money they took from me in the first place until this day they are still charging me late fees interest fees and passed do fees. If they can remove the fees I will pay my credit card in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CT

Complaint narrative:
My credit report states that I applied for a Disaster Assistance Loan from the Small Business Administration. I have made a complaint to the CFPB and sent 5 letters to Experian. They refuse to remove this credit hard pull even though I never applied for assistance or credit with the S.B.A. O.D.A.

Secondly, they are in violation of the Fair Credit Act by not removing incorrect information.

I was in the past a victim of identity theft and I feel that since I never applied for any loan or product with the S.B.A. that this must be identity theft.

I AM ASKING THE CFPB ADVOCATE ON MY BEHALF TO REMOVE THIS INCORRECT INFORMATION. THE NEXT EMAIL I SEND IS GOING TO BE TO SENATOR XXXXXXXX XXXX OFFICE. EXPERIAN ALREADY DECLINED REMOVING THIS INFORMATION UNDER FILE XXXX FOR NO REASON. THIS IS ILLEGAL!!!!!

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 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a saving and a checking account in Citibank. On XX/XX/XXXX, I received the card, so I downloaded the App and deposited two checks, one for {$1400.00} ( # XXXX ) and the other for {$550.00} ( # XXXX ). After I made the deposited the bank decided to close my account without any warning. 

I kept calling and they stated that I needed to contact the person who made the checks to re-issue the checks. I asked them to send a letter where they stated that the checks were not good to show. And they said that they can't do that. 

After that, I tried to deposit the checks in another bank ( I deposit the checks through the app ) since Citibank said that the checks were not good. The bank stated that those checks were cashed already. So, I called Citibank and they say to provide the phone number of the company, which I did. to release the funds. If the checks were bad as they stated, why they said : " to release the funds ''. And they said that no one was picking up the phone. 

They also took {$100.00} from my savings account. 

I call almost every day, and no one can give a real answer why they can't return my money.

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 2021-10-05 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: NC

Complaint narrative:
The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( Equifax XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NC

Complaint narrative:
The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX Experian XXXX & XXXX XXXX of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from 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 2021-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I have been in contact with Heartland ECSI since XXXX, since I was told to contact them by XXXX XXXX. I reached out in an attempt to secure a deferment on my student loans due to financial hardship, as I have had in place for my other Federal loans. Before that, I was enrolled as a full-time student, and needed deferment as a result. During the same time period, I have maintained all my other student loans, serviced through XXXX current and deferred for the same financial hardship. During this period, I was not able to speak with anyone at ECSI on the phone to establish a repayment plan that fit my financial situation, nor was I able to receive appropriate support via their online chat. They pushed me to mail, form after form, which I did and to no avail. Because they dont have anyone to I could talk to, I was not able to put a plan into place. 

From XXXX to XXXX, my wife and I were living in the XXXX. As a result of the pandemic, we moved back to the XXXX, in XXXX of XXXX. When I checked my credit score in early XXXX, I saw there were derogatory remarks on my credit. 

After multiple calls, I was finally able to get in touch with XXXX XXXX at XXXX in XX/XX/XXXX, who said my only option to clear the remarks was to pay the loans in full and agreed that she, XXXX XXXX and ECSI would clear the remarks if I paid. 

On XX/XX/XXXX, I paid the full balance ( XXXX ), as confirmed in by XXXX XXXX in the attached email. As a result, Ms XXXX wrote an email confirmation of the requested removal of the derogatory remarks ( see attached ). It has been well over 90 days, and I still have the same negative remarks on my credit and XXXX XXXX and ECSI have operated in bad faith, holding the negative remarks on my credit over me, forcing me to pay an amount that exceeded my budget during the pandemic. And still have not held up their agreement to change my credit remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The following collection account on my credit report is fraudulent : Portfolio Recovery Associates, LLC Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, or any factoring company. Portfolio Recovery Associates has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
RESURGENT/LVNV FUNDING is adding more to the debt its was XXXX now its XXXX it goes uo every month i havent been contacted by this company at all.. please check the debt amount its outrages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Loan was transferred to new loan servicer ( Select Portfolio Servicing, also known as SPS ) XX/XX/21. Payment of {$11000.00} ( {$7200.00} XXXX mortgage + {$4400.00} additional principal ) was made on XX/XX/21 with initial Loan/bank. SPS applied total amount of {$11000.00} towards principal and thus shows XXXX mortgage was not paid, I called them to correct this and they have not been able to correct the matter correctly. When I paid XXXX payment over the phone with them on XX/XX/21 ( {$7200.00} ), that amount was applied to XXXX and as of today ( XX/XX/21 ) is showing I have not paid my XXXX payment. I have mailed in my XXXX payment and fear that that amount will be paid to XXXX and I will be in a constant month behind in my mortgage. It has been over 60 Days ( allowed by Federal agency to rectify my loan accounting since SPS took over as the new loan servicer ) and the accounting on my account still reflects that I am late on my payment. I have called every week ( as advised by the SPS representative to f/u and get a status ) and to this day the issue remains and my account is not accurate. Please correct ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Discover Financial Service located at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ; which will continuously be referred to as " Discover ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Discover Financial Service to Discover via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Discover on XX/XX/2021. On XX/XX/2021 Discover responded to my request for alleged debt validation and remedy with two documents that completely violate 15 USC 1692g and 15 usc 1692b. Again on XX/XX/2021, Discover responded to my request for alleged debt validation and remedy with another document that violates 15 usc 1692g, 15usc 1692b, 15 usc 1666b, and 15 usc 1605. After receiving these direct consumer rights violations from Discover, the company continued to collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). The documents that were sent to me by Discover are corrupt and misleading which violates 15 USC 1692e and 15 usc 1692j. Discovers illegal debt collection practices are unfair and unjust and violate 15 usc 1692f. This company has since then closed the accounts in a negative standing and have created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays that Discover knows that they have participated in illegally debt collection practices and continue to violate my consumer rights. The below list of facts is proof that Discover has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
The company Monterey Collection services is reporting incorrect information to the three credit bureaus ( XXXX, XXXX and XXXX ) showing the original amount of debt as {$220.00} as of XX/XX/2020 with a now balance of {$280.00}. I have reported this account as fraud to Monterey as I didnt establish this account and they have agreed to remove this account immediately from all three agencies but to date is still falsely reporting erroneous information. I am very concerned that this is unlawfully impacting my credit rating and opportunities In establishing new credit contingencies.

Company response to consumer: Closed with non-monetary relief