vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2019 I received escrow refund for over payment of escrow in the amount of {$780.00} meaning that I overpaid on my escrow, it is customary that each year I would received an escrow analysis in on or around XX/XX/XXXX when I didnt receive the analysis I contacted Wells Fargo who stated they were working on the document and the document would be ready by the end of XXXX, a document was emailed however it was encrypted with no instructions or password to open again I contacted Wells Fargo and ask for a hard copy at that time I was told theres was no changes in the payment. in XX/XX/XXXX I received the payment and noted an increase in the amount of {$53.00} I spoke with a representative who state although there were no shortage the increase was in anticipation of next year escrow, I asked the rationale for the increase when I received an refund with an overage. I contacted the insurance company as well as local tax office both stated they could not project next year tax bill or insurance bill! So I am not sure the reason I am charge ahead when they dont know what will be coming from the escrow plus they sent a refund

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 2021-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: VA

Complaint narrative:
I was laid off XX/XX/2020 and have been unable to return to my previous job. 
Ive had several interviews but nothing has resulted in employment yet except for one offer that fell through because of the pandemic. Ive explained this to my loan service company several times. I can not make any payments right now but they continue calling and mailing threatening letters and trying to ruin my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was alerted to over a dozen fraudulent charges made through XXXX via my Chase card, showing me traveling all over XXXX XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX in 2020, while I was home the entire time. Originally, Chase reversed the charges. Then, XX/XX/XXXX20 they informed me that the majority of the charges were NOT being reversed, because I " received benefit. '' This is simply not true. I'm attaching the list of charges. The wild thing is this does not match my account or travel history AT ALL. I'm also perplexed because they reversed a FEW of the charges, but not all. I think this must be computer error. 

And furthermore, if chase actually consulted with XXXX  adequately, they have driver cams! Check the cams! There is no way I was in the car!! 

I really need your help and the CFPB is my last hope. I'm sure a computer " addressed '' my concern before, and it did not do so fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We ( the borrowers ) have been trying, unsuccessfully, to remove the mortgage insurance, aka racket ( PMI ), imposed on us by our loan servicer/lender. Our home exceeded the value required ( we have over 20 % equity in our home ) according to all major market analysis, mortgage lenders, and recently sold neighboring homes. We have written letters ( four so far ) asking the loan servicer to stop with the racketeering only to be asked to pay more money if we wanted an " internal appraisal '' ( {$900.00} + Brokers opinion!? {$350.00} ) conducted with no guarantee of PMI removal. The amount the servicer is asking for exceeds the amount we would save within one year of PMI removal.

Lender ( s ) are making a lot of money as is, but it seems that it's never enough. They need to squeeze the life out of homeowners/borrowers. It's the American way. The previous administration wasn't very " people-oriented '' and was making sure that the rich get richer, by any means available. Let 's see if things are any better these days and you take the side of " little guy '' for once.

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 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The debt collector is called Syncb. I called earlier today to ask about them being on my credit report. They told me that they have no record of me. They told me to contact you guys!

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 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.

Complaint narrative:
I bought prepaid visa card but they didnt deliver to me There adress XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, United States Online Support : XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I made telephone contact ( XXXX ) with DeptED/XXXX  to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that XXXX does not report information after seven years. She explained that no XXXX  balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Transunion. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX, Transunion, and XXXX  all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of EducationXXXX. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of EducationXXXX they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.

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 2021-02-12 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: LEXISNEXIS
State: GA

Complaint narrative:
I made telephone contact ( XXXX ) with DeptED/XXXX  to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that XXXX does not report information after seven years. She explained that no XXXX balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, Lexis Nexis, XXXX XXXX, XXXX, XXXX, and XXXX. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX, XXXX, and XXXX all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of Education/XXXX. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of EducationXXXX they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TX

Complaint narrative:
I have filed various disputes against XXXX XXXX for a derogatory item being reported to my XXXX XXXX  and Transunion credit reports. XXXX XXXX has even sent me a letter indicating that the debt is not mine and they want the item removed from my credit report. I am also attaching a Notice of Identity Theft Complaint With The Federal Trade Commission. The item is not mine.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Because of the pandemic I had to file for unemployment assistance. I openeb my EDD acct. on XX/XX/XXXX, my claim was retroactive to XX/XX/XXXX which ment I would receive a large inital deposit to my Bank of America EDD prepaid debit account. Because of the large volume of people appling for unemployment I was informed it could take 4 to 8 weeks to confirm identity and that the claim was legitament. I never received my BofA EDD debit card and sent 3 emails to EDD through my UI online account. At the time it was impossible to reach Bank of America or the EDD by phone and speak to an actual person. After weeks of trying I finally was able to get a BofA EDD replacement debit card through their online site. I received the caed on XX/XX/XXXX, when I activated my card I found out {$12000.00} had been taken from my account. I contacted BofA to report that the first card they sent me had been stolen through the mail and that {$12000.00} was missing. They took my report and opened an investigation on XX/XX/XXXX and credited my account {$1500.00}. On XX/XX/XXXX they said my claim had been resolved for {$1500.00} and the claim was closed. For the mext few months I tried to reach BofA through USPS, EMAIL and telephone without success or reply. On XX/XX/XXXX I finally got through by phone and opened a new claim, I received a letter from BofA on XX/XX/XXXX stating that my claim had been denied because of fraud or suspicious activity on my account. My account was immediately closed locking me out of all my money in the account, the account is still locked as of today XX/XX/XXXX. On XX/XX/XXXX I sent a package via USPS certfied containing a 3 page letter explaining my situation, a police report, my emails with EDD, copies of the deposits to my account from EDD and copies of email sent to BofA. I also requested all documents related to my claims and account, I have not recived anything back from Bank of America.

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
Superlative RM also under as XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report that I owe {$420.00} for ( Account # XXXX ) Reference # XXXX. I have sent a letter back in XX/XX/XXXX and received a letter back with a copy of a one sheet account summary on XX/XX/XXXX. This is not proving that I owe the alleged amount that you are reporting one my credit. I sent another letter and /I didn't receive a response. Then I sent another letter XX/XX/XXXX and you received the letter XX/XX/XXXX stated that you failed to verify that I owe the alleged debt. Verification is a signed company of contact with my signature that I agreed to pay the above above. I have not received anything since the last letter sent providing proof that I owe the debt that you are stating that I owe. This is against the law to report incorrect information on my credit report. THE CFPB is authorized to investigate this matter and received related information. I promptly request deletion of the alleged debt above from all 3 major credit bureaus. Failure to comply to this request is against the law and I will be forced to turn this matter ever to an attorney. See enclosed copy of certified mail receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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:
On XX/XX/ 2021, I contacted all three credit reporting agencies about the report of Child Support information. They are reporting the amount is XXXX. All three bureaus by law must report accurate information. This is the 611 ConsumerFairCreditReporting Agency Federal law. Currently, on my credit report, they are reporting it is now XXXX which is still incorrect. Federal law states, that three credit bureaus must report accurate information. 

All three credit bureaus for the last four months have not reported accurate and correct information on my credit report. This is against the law. They have not reported accuracy and when calling to inform them of the incorrect information they take my complaints as frivolous. They refused to validate the date. I have requested for all three credit bureaus to send documentation on what company verified the debt. They did not send any documentation on who or what company verified the debt. I have received my request for dispute is still pending. However, if the Florida Department of Revenue is reporting information monthly all three bureaus should be reporting correct balance and correct date of last activity. The three credit bureaus are showing the last reporting date XXXX2021.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
Prior to mortgage being paid off in XXXX, for the months of XXXX, XXXX, and XXXX of 2020 the mortgage company listed on my credit report that those payments were late when my mortgage was actually in a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I pulled my credit report several months ago and noticed Resurgent Capital Services PYOD LLC Reference ID XXXX ( Account XXXX ) is reporting on my all 3 major credit bureaus that I owe {$570.00}. I do not recall doing any business with this company so I sent a letter demanding a copy of a contract with my signature that I agreed to pay you {$570.00}. I received a letter with a account summary from you. I sent another letter stating that you failed to verify that I agreed to pay you the amount above. This last letter I received XX/XX/2021 on a type letter from your company titled account summary report with historical account information from a company I did agree nor authorize to open an account with. This is against the law to report face information on my credit reports. You are required to verify that I owe any monies to you. Verification is PROOF that I owe you. which includes my personal information, including SSN etc and a copy of a contract that I agreed to pay you the amount. Failure ti provide this information is a violation against my rights. I authorize CFPB to do a formal investigate this matter and receive related information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
I paid my mortgage payment on XX/XX/01 in the amount of {$2000.00}, the payment was received and Berkshire Bank held the payment and did not post because of an increase in escrow. The bank made no contact with me to make me aware of the {$23.00} shortage due to the increase until XX/XX/01. I paid the {$23.00} to make the payment whole immediately electronically, Berkshire Bank had initially reported the entire payment 30 days late, theyve since reduced it it the {$23.00} delinquent and I do not agree with it to be late. Had they contacted me sooner, I would have paid it sooner and as it stands payment being made on XX/XX/XXXX with a XX/XX/XXXX due date is not over 30 days delinquent. I have had my mortgage with them for over 15 years and I think that I was late one time over ten years ago. It is a shame to have to be put through this but the negative impact to my credit is worth protecting. Ive enclosed my loan statement showing the transaction history as stated above. Thank you in advance.

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I contacted both XXXX XXXX ( original said Creditor ) as well as the collections agency Portfolio Recovery about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. XXXX XXXX was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with XXXX XXXX in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with XXXX XXXX in my life. Theres not credit reporting on my credit file ever with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: SC

Complaint narrative:
I started the year off by checking my credit report and I found a whole bunch of stuff on it that was not mine and a lot of stuff that was just not true so I sent some letters into all three bureaus and I have yet to hear anything. Its been along time and I just don't understand it. I called and told them about it and they were very rude. It was hard to get someone on the telephone. I want this stuff removed from my report as the FCRA says because this is some total catastrophe. Please make them abide by the 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 2021-02-12 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX is currently reporting I owe XXXX XXXX XXXX XXXX XXXX the date of last activity is XXXX. However, I do not owe XXXX this amount of money. I have disputed the debt in XXXX. I did not get a response from XXXX but XXXX and XXXX removed the account off my credit report. 

According, to the Federal Fair Credit reporting agency all three bureaus, are supposed to report accurate information. As well as, take 30 days to validate the debt or remove it. I have not received an accurate credit report from XXXX. I have not received a determination from XXXX on this XXXX credit card account. 

I contact XXXX about this credit card information XXXX XXXX XXXX XXXX XXXX, VA XXXX. They are not reporting this information was ever reported to XXXX. My goal is to build up enough evidence about the reporting of XXXX American people on how these reporting agencies target us and refuse to follow the law. I plan on suing all three credit bureaus on unfair reporting of consistent incorrect information.

Company response to consumer: Closed with explanation