vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I have been having serious problems with Freedom Mortgage escrow department. They are the most incompetent company I have ever done business with. A few months ago they double paid my taxes. I demanded that they remove escrow from my mortgage and I will pay my own taxes and insurance so that more errors in payment do not happen. Freedom Mortgage sent me a letter on XX/XX/XXXX stating that escrow will be removed from my account starting XX/XX/XXXX and that I am now responsible to pay for all my taxes and insurance. I then went ahead and paid my house insurance bill personally. Come to my surprise on XX/XX/XXXX Freedom Mortgage RE OPENS my Closed escrow account without my permission steals {$970.00} from me and sends it as a double payment on my insurance. Now Freedom Mortgage shows I have an Escrow Balance of Negative {$970.00}. I contact freedom mortgage spend 2 hours on the phone to be told it was there error but they still have not fixed my account yet!

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 2021-08-03 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to XXXX XXXX  XXXX- the updated the report- but did not remove the Negative status and its been over 7 years.

I called and emailed Mr. Cooper/NationStar Mortgage- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021, I had set up a future transfer between my saving and checking account at Bank of America for {$3500.00} to be made on XX/XX/2021. On the morning of XX/XX/XXXX, I checked my account and it showed the transfer to be " processing ''. I had also made a payment to my credit card company - XXXX - that was also made on XX/XX/XXXX. I thought that was strange that the {$3500.00} transfer was showing as processing when in the past would just show up in my account. On the XX/XX/XXXX, I had noticed that the transfer was not completed on the XXXX but now it was showing up in my account on XX/XX/XXXX. Because the transfer was not made, it cause my account to go into overdraft for XX/XX/XXXX. I called and explained that this was not my fault and asked why a transfer was not made on the date I had requested. How could a transfer set up well in advance not be made on the date requested but processed the following day? The banks contention was that I did not have sufficient funds in my savings account on the XXXX so that is why it was not made. This is also not correct since I had over {$4800.00} in my savings account. The transfer was for {$3500.00}. They had also put an overdraft hold on my account for {$1000.00}. Even with the {$1000.00} overdraft hold, I still had sufficient funds to cover the {$3500.00} transfer. They eventually did make the transfer on XX/XX/XXXX but this caused many other issues with my credit card company since Bank of America returned my credit card payment. It was resubmitted by my credit card company on XX/XX/XXXX. I have a screen print of the transfer that was scheduled for the XXXX but now in their system it shows it as the XXXX. Somehow this transfer was changed and I want to know why. I have included the screen shot of the transfer showing the XX/XX/XXXX transfer date requested. I also have included the transfer that was eventually made on the 20th. I have also included bank transaction for both savings ( Advantage Saving ) and checking ( Adv Plus Banking ) which shows the balances and the transactions

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 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Valentine and Kebartas, Inc.
State: NC

Complaint narrative:
Valentine & Kebartas , LLC. is in violation of 15 U.S.C. 1692 ( b ) ( 5 ) against me XXXX XXXX. Generally, under the CFPB 's final rule, a debt collector cant communicate or attempt to communicate with a consumer by sending an email to an email address that the debt collector knows is a work email address, subject to some exceptions. 

On Friday XX/XX/2021 @ XXXX I, XXXX XXXX received a email at work to a company server which is shared with several employees from Valentine & Kebartas , LLC . The email contained personal information about a invalid debt that was not for company staff to see. 

The email contained my address, alleged amount owed, as well as other personal and private information. I replied back to the email on Friday XXXX XXXX  @ XXXX informing Valentine & Kebartas , LLC , that they were in violation of 15 U.S.C 1692 ( b ) ( 5 ) for sending personal and private information to a non private email server.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from PayPal Inc. however the company billing this was XXXX XXXX XXXX XXXX. The company XXXX sent me a letter in the mail for this amount, and I am unaware of this bill. PayPal has not made any communication with me, and my credit card report looks okay. However when I called XXXX I did give them my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I literally choose a different auto insurance so I paid my money to them how do I owe when I was no longer insured with them called and explained and they never fixed I sent declaration page from current policy I am insured with XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We were in forbearance as a direct result of Covid-19. I contacted SunTrust and requested to have my missed payments pushed to the back of the loan, and I received the " Subordinate Deed of Trust, had it notarized and returned to SunTrust. However, SunTrust is requiring a lump sum payment ( see attached ) for all the payments missed in the forbearance period.

Per the Subordinate Deed of Trust ( see attached ), my missed payments are payable in XXXX. My first payment was due on XX/XX/XXXX and I made the payment online ( see attached ) on or before the due date. However, SunTrust has blocked me from making payments on my mortgage account for XX/XX/XXXX. This payment is due on or before XX/XX/XXXX. As such, I contacted SunTrust via phone for assistance with making the payment, and I waited a total of over TWO HOURS ( see attached ) without speaking with a representative.

SunTrust also states it has arranged for an inspection ( see attached ) of my home ( a cease and desist is on file ) at my expense and is also threatening foreclosure.

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 2021-08-03 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: FL

Complaint narrative:
THE INQURIES AND ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PURSE AND SOCIAL SECURITY NUMBER AS WELL AS MY ID TO OPENT THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MCMC Auto LTD
State: TX

Complaint narrative:
XXXX I submitted a complaint to this company about their deceptive business practices they give you an extended warranty with a company that you can not get through too the dealership I took my car too, stated they have never heard of such warranty company you could never get through to and things on the brochure they don't honor them after three days I finally got a representative on the phone which sounded incompetent and didn't know his job I decided to go ahead and pay for the repairs, I was out town stranded long enough I submitted information to them, McMc Auto was very heartless and unprofessional didn't care that I had to cover for may stay sent in proof of expenses which was never reviewed the dealership information is incorrect on their response back to CFPB a member of management never contacted me after several requests this company operation is deceptive and predatory.They need to be investigated their account managers are unskilled and lack knowledge.no respect or common sense used for their customers, no structure Predatory Lending.Also they tell you your loan will be transferred to another lender which is a lie they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When I obtained a mortgage with Bank of America many years ago, I was told that I had to accept a credit card with it. I used that credit card on occasion but stopped using it a few years ago with about {$10000.00} on it. Sometime after that I received a letter that Bank of America was cancelling the card. I have been paying the balance off regularly over the past few years and now there is less than {$2000.00} on it. I always pay more than the minimum balance, how much more depends on other bills each month. I usually pay well before the due date on the bill, which is the XXXX of the month. In XXXX, 2021 I paid the bill due XX/XX/XXXX on XX/XX/XXXX. Then I paid the bill due XX/XX/XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they had not received a payment for XXXX. I called and explained that I had paid the XXXX payment on XX/XX/XXXX and was told that any payment received before the XXXX of the month was credited to that month and not the upcoming month. So I asked them to apply the payment they received on XX/XX/XXXX to the XXXX month, to remove the late payment fee, and to make sure that my account reflected that the payment was made on time. I was told they could not do that. Evidently they considered the problem to be my fault for sending the payment too early. I was told that the billing period of XX/XX/XXXX-XX/XX/XXXX was printed on the bill. It is, but it is not identified as the billing period, and nothing is there to indicate that paying before XX/XX/XXXX will cause this issue. There is a late payment warning and a total minimum payment warning, but no early payment warning. The only way they could rectify the problem was to refund that payment and then I could resubmit it. If that is really the case, then whoever set up their system either was supremely stupid, or did it on purpose to maximize fee collection. I was given no assurance that they would make it clear on my record that the payment was not late, even though I asked for it several times. 

The annual interest rate that I am paying on this balance is 31.42 %, for reasons that I do not understand. I have been paying on this bill regularly for years, but when I asked that the interest rate be reduced I was told that it could not be, because the card had been cancelled. Bank of America cancelled the card, without warning to me, with the interest rate set at usurious. Is this even legal?

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 2021-08-03 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have tried to dispute with XXXX  and XXXX  for the information reported for Bridgecrest. Bridgecrest customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to XXXX  and XXXX  as well as Bridgecrest. There is no reason for XXXX  to show no late payment and only XXXX  to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account 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 2021-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit reports from Transunion, XXXX, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Wrote to you all for years about these loan servicers..they refuse to give me the correct amount I owe and refuse to give me proof of what I owe. They doubled the amount I owe so I couldn't pay my loan off. They used deceptive practices so they wouldn't have to prove what I owe. I tried through 3 straight bankruptcys and still no justice. I had to let them for lose to get some proof of what I truly owe. Today istill have no proof of what I owe and they sold my home. I need some intervention from the cfpb to get to the bottom of this. This is theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial refuses to remove this medical bill from XXXX from my credit report, they put it on my credit report with no notice in middle of XXXX and didn't give me an opportunity to give them the facts of this case.

The original creditor cancelled the debt and sent me and them a letter and they refuse to listen to them. They refuse to verify information, refuse to give me any information on this debt. I had to go down a rabbit hole to find out what this debt was and the debt is not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
The Georgia Dept of education refuses to get rid of closed accounts that have been paid off & they will not answer the phone. I have 8 closed & paid off accounts that are hurting my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
To whom it may concern, I been a victim of identity theft and my personal information has been comprised. There's inaccurate information such as address on my credit report that are not mind and 2 accounts that are not mine. Those accounts are fraudulent and I'm asking for this to be removed immediately as it's not valid. I tried numerous of times to find a solution with the credit bureau directly but no resolution. I been transfer numerous of times with no help. I have submitted all the proper documents to the bureaus via certified mail and via email. I need this issue to be resolved and accounts removed immediately. This has cause emotionally and financially stress to my life and affecting my ability to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MS

Complaint narrative:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My escrow increase my payment in XXXX and the lender 's notification was late. When I was past due, they put my partial payment in suspense and did not notify me of late status even though they have my cell and email. When I received XXXX bill, I immediately called and provided an echeck payment and was told it wouldn't be late and they would waive late fee. They didn't process the payment and reported it late to all credit agencies. When i called back again, they stated payment did not go through and they should have called back. I made payment again and they processed it. They still reported me late and I need all 3 credit reporting agencies updated that payment was made and it's not late. My credit was reduced by 100 points because of 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 explanation