vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Within my monthly mortgage payment to Flagstar Bank, I include my insurance and taxes as a part of my escrow payment. For the past two years, my mortgage company has mailed and called me to tell me that I needed to purchase an insurance plan for my home, even though it is included inside of my escrow payment. I have told the mortgage company each time that it's their responsibility to pay the insurance bill because I am paying them via the escrow account. Here is a detailed date of events this year : XX/XX/XXXX : Mailed me notice to say that they don't have proof of XXXX insurance for my house and that I would need to purchase it and show them proof. I called them immediately afterwards to tell them that it is included in my escrow payment and would not be purchasing a second insurance plan. The mortgage company then was able to show that they did indeed purchase insurance, but they did so three days after my previous policy expired and that I would need to purchase a policy for the three day gap ( XX/XX/XXXX - XX/XX/XXXX ). 

XX/XX/XXXX : ( letter dated for XX/XX/XXXX, but I received it later than that ) Received a second notice saying that I needed to purchase insurance for the three day gap or else they would purchase it themselves and it would cost me XXXX. The annual policy is less than 2000 dollars. 

XX/XX/XXXX : Called insurance company to buy policy for three days, back dated, as my mortgage company requested. Insurance company said they do not do that and provided me with documentation showing that mortgage company paid the bill for my insurance late, most likely to gain more interest from my escrow payment. Mortgage company claimed that while the insurance company did mail and fax the invoice one month ahead of time, they sent it to the wrong address because the bank has changed their PO box . The insurance company showed documentation that the PO box and fax number change notification was mailed out in XX/XX/XXXX, more than three months after the original invoice was sent out. Moreover, the bank mailed payment late, it was post marked on a date that would identify it as being late, and was the correct amount ( price had increased from year prior ). 

Essentially, the bank held onto my escrow payment last minute, paid the bill late, and I had a gap in coverage. Then - they tried to coerce me into paying XXXX dollars for three days of insurance coverage, which is 67 times more than what it actually costs, due to their obvious mishandling of my escrow money. There is documentation that can be provided if requested.

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 2019-05-28 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: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

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 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank falsely advertised no interest purchase option, I have paid all but 1 payment, they make it very difficult to pay with their online system and have no autopay options : they continue to call and harass with threatening messages and have contacted me at work even though I have never authorized them to do so. They are practicing usury and should be held accountable ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: OH

Complaint narrative:
I have a few accounts that are unverified on my credit report. I contacted XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.

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 2019-05-28 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: NY

Complaint narrative:
I have a collection reporting from XXXX XXXX which is reporting, I requested documentation to show me what this is. They didn't provide me with anything showing that this is my account or the amount is accurate. I have gone above what is recommended to get the information from them. 

I also requested an investigation into this matter with XXXX & XXXX they both removed this since it is inaccurate.

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 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: NY

Complaint narrative:
XXXX has run a background check on me. They have already completed the check, XXXX is not complaining so far as I know. It is me, XXXX XXXX making the complaint for incorrect information in the report which was sent me by XXXX. 

In the report I contest or question the following : 1. ) The names ( " Also Known As '' ( AKA ) ) that are unknown to me and were never used by me are as follows : " XXXX XXXX. XXXX '', " XXXX XXXX. XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX. XXXX '', " XXXX XXXX, XXXX. XXXX '', " XXXX XXXX, XXXX XXXX ''. 

2. ) The following Addresses are unknown to me and I was never living at the addresses as written and described as follows : XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX, XXXX  XXXX, NY, XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX ; XXXX XXXX, XXXX, NY XXXX. 

Yours Truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: KY

Complaint narrative:
There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXXXXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: VW Credit
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Audi Financial Services to cancel the Gap insurance on my recently purchased XXXX XXXX. I was advised by a salesman at Audi that I should not have been forced into paying for that especially since the warranty was soon to expire and that I can call Audi to have it cancelled. I called and spoke with a customer service representative who advised me that the Gap insurance must be cancelled at the dealership from which I purchased the car. So I called XXXX Audi of XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number, XXXX. When I called, I was advised that I had to make the request in writing to the Finance Manager, XXXX XXXX. I had no problem doing this since he has helped me both times when I leased and purchased my vehicle from this location. On XX/XX/XXXX, I sent the following email : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Cancellation of Gap Insurance Request VIN # XXXX Good morning, I am writing as a formal request to cancel the Gap Insurance on my XXXX XXXX XXXX, VIN # XXXX. I have spoken to Audi Financial Services and they informed me that I have to make my request through the dealership where I originally purchased the vehicle. Please let me know when my request has been fulfilled. 

Kind Regards, XXXX XXXX, XXXX XXXX I did not get a phone call nor a reply. On XX/XX/XXXX, I sent the following email with High Importance : XXXX XXXX Tue XX/XX/XXXX XXXX XXXX XXXX Good morning, This is my second request to cancel my gap insurance on the vehicle listed below. I expect that this request will be completed by COB today. Thank you. 


Still, no response. Today is XX/XX/XXXX and I have yet to receive a phone call or email regarding my request yet I know that the request was delivered because I have read receipts. This is unprofessional and very unlike the company Audi that I have trusted for several years, establishing a good relationship and superior payment history. I would like my Gap insurance to be CANCELED, effective XX/XX/XXXX and the check to be mailed to my address which they already have on file. I expect this to be done within the normal 15-30 business days. If not, my next step is to file suit, which is not a route either parties would like to take. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX/ XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XX/XX/XXXX 5. XXXX/ XXXX XX/XX/XXXX 6. XXXX XX/XX/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 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
I've made every payment in the first week of every month for the last 5 months. This bank is saying I am ten days delinquent for my XXXX payment but I have proof that I paid XXXX 's payment. I called today on XX/XX/XXXX and talked to two representatives who refused to help me and hung up on me each time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Despite the fact that I responded to CapitalOne regarding dispute # XXXX and submitted requested documents on time, they paid {$530.00} to XXXX XXXX who fraudulently charged my credit card for a service they did not provide. XXXX XXXX provided no proof to CapitalOne that they paid {$530.00} dollars to transport my vehicle to Florida as they claimed ; yet CapitalOne paid them and refuses to credit my account. 

Enclosed you will find an email where XXXX acknowledges that the job was cancelled ; yet they refuse to credit my account. After filing the dispute with CapitalOne, XXXX reported fraudulent statements claiming that I signed documents I did not sign, and claiming they paid {$530.00} dollars to a hauler they did not pay. I have enclosed a copy of a postal money order receipt showing that I was the one who paid the hauler. I have also enclosed snapshots of a text message proving I cancelled the job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Mortgage servicer did not pay full homeowner 's insurance amount and policy was canceled due to non-payment. Servicer claimed they did not have access to the premium amount, but they were added on to the insurance by insurer and sent a revised statement/bill. Upon discovering my lapse in insurance ( 8 months later in a letter from servicer asking for insurance proof ) I started a new policy - I assumed since I heard nothing further that they were able to make the payment. After that, the servicer requested I purchase insurance from the cancellation date to the day prior to the new policy ; I am unable to purchase such insurance as no one will sell backdated & expired insurance, therefore the servicer is going to charge me roughly {$700.00} for 8 months of expired insurance, when my annual policy amount is roughly {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Around XX/XX/2019, I began receiving a large amount of calls from numbers I did not recognize or that my phone classified as spam. On XX/XX/2019, my older sister forwarded a voicemail she received stating that an unidentified organization was trying to reach me regarding a complaint that had been forwarded to their office. They advised me to call the " law firm '' handling the complaint ( XXXX ) and reference a file number ( XXXX ). I called the number of the purported law firm and asked for identification and more information regarding this complaint. The person I spoke to cut me off and asked for my file number and put me on hold as soon as I provided it. She then came back on the line and started explaining to me that the call had come from a process server who was trying to make sure I would be home so I could be served with a complaint. I am a XXXX XXXXl and have extensive experience in initiating lawsuits and I know that process servers do not generally call defendants to effect service. I had also looked myself up in my state 's court filing system and there are no civil cases that have been filed against me. I advised the woman I was speaking with that I can not be served unless a summons and complaint have been filed and she admitted that nothing had been filed yet. I then asked who was allegedly suing me and she became very rude and said " You had an overdrawn Wells Fargo account -- do you remember that? '' I replied that I did remember overdrawing a Wells Fargo checking account over ten years ago and that any claims were therefore outside the statute of limitations. She became argumentative and refused to give me any further information regarding the claim. She eventually yelled at me to " look up bad check law, '' told me I was going to be served, and hung up on me. 

I called the XXXX number back and asked for the name of the company and whether they were a law firm. The person who answered this time advised that they are not a law firm and their organization name is XXXX XXXX. This person looked up my file number and advised that there was a notation that everything had been " dismissed. '' He apologized for the person I had spoken to previously and was much easier to deal with. He confirmed that nothing had been filed against me and that they were probably calling to confirm an adress to send out a notice via certified mail. I again confirmed that they were not a law firm and that I would like notice of whatever claims they have sent to me in writing. I thanked him and told him I will look for correspondence from them in the mail.

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 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NY

Complaint narrative:
XXXX XXXX XXXX Has been trying to collect a debt that has not been rebilled to MEDICAID. 

It first used XXXX and now has transferred the account to AMERICOLLECT The bills are from XX/XX/2013 the statestatute of limitations has passed. 
All bills are billable to medicaid. 
they are balance billing for {$1.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
PennyMac has continued to hold my insurance settlement hostage for my kitchen remodel after submitting multiple contracts to PennyMac and being told on XX/XX/2019 that everything was being " processed '' and waiting for PennyMac to reach out to the contractors to collect any information so that my kitchen can be completed. Their POC XXXX XXXX has habitually and maliciously ignored and lied and has made it a point to stall payout while profiting off stolen interest on consumer insurance settlements as numerous other consumers have formally complained on numerous complaint websites.

Company response to consumer: Closed with explanation