vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar/Mr. Cooper added an escrow payment to my mortgage some months back and have yet to remove it causing me to pay an additional {$300.00} a month. 
The reason I'm complaining is there were never any taxes owed on my account with the city, the city even rejected the payment Mr. Cooper sent stating in a letter to Mr Cooper that " we reject this payment because there are no taxes owed on this account '' Instead of removing the escrow then, Mr Cooper keeps it on my account and continues to collect an extra XXXX a month from me ; I pay it because if I don't they will say I defaulted on my payment. 
This has been going on since XX/XX/2021 and till today they still are applying an additional {$300.00} a month to my mortgage. 
When I called today they said the City and County of XXXX XXXX has still not returned the payment, when the City and County of XXXX XXXX doesn't return checks, they destroy them as told to me by the clerk at XXXX XXXX tax office and the fact is they never received the payment from Mr Cooper because the county rejected it in the first place as the account was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
we have a loan and need our escrow redone and they have every excuse why they cant do it. i received a new tax bill back in XXXX and submitted it. they keep telling me 5 days to to redo escrow 5 days go by and still nothing i have called every week for a month. I am at a loss at this point. Amerisave mortgage can not get it together. supervisors are rude and the customer service agents have not clue and feed you different lines all the time. if they redo my escrow i will be paying XXXX less of month due to paying out of state taxes and now paying resident taxes. i have letters stating the redid the escrow and still my payment has not gone down thanks for any help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: FL

Complaint narrative:
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

CAC FINANCIAL CORP Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX Balance on XX/XX/XXXX Original balance {$120.00} {$120.00} Payment Info Original balance {$120.00} Balance {$120.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX OKLAHOMA XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX  XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LAKE XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delivery Financial Services, LLC
State: FL

Complaint narrative:
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

DELIVERY FINANCIAL SER Original creditor : XXXX XXXX XXXX OF XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX XXXX  on XX/XX/XXXX Original balance {$220.00} {$220.00} Payment Info Original balance {$220.00} Balance {$220.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I submitted a wire transfer for {$5000.00} from my bank, XXXX XXXX, on XX/XX/2021 to Wells Fargo Bank to be deposited into my XXXX account as Wells Fargo Bank is XXXX bank. The money was never put into my account at XXXX. I have had XXXX check on the wire transfer several times and it never made it to XXXX. 
About XX/XX/2021 I spoke with a representative in XXXX XXXX wire transfer department and asked them to please get my money back from Wells Fargo. 
XXXX XXXX  has sent at least four requests to Wells Fargo with no money returned or comments. My case number with XXXX XXXX wire transfer department is : XXXX, and the person handling it is XXXX XXXX at XXXX. 
Please help me.

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XX/XX/XXXX My mother received a call from XXXX from XXXX XXXX XXXX looking for me. He left a phone number ( XXXX ) and file number of XXXX and asked that I call him back regarding a civil matter. When I called I spoke with a XXXX XXXX who said he was with XXXX & XXXX and proceeded to " verify '' my information. He read my name, address and last XXXX of my social and said I have a debt that needs to be settled. He would not tell me who the creditor was. I asked what state his firm was located in and he refused the information. After going back and forth, and only being told numerous times that the call is being recorded he told me that it was Indigo Card and that XXXX & XXXX represented them and were going to sue me. I asked for him to send me a copy of all the information and the verification of the debt and I would gladly speak with him, but that I would neither confirm any of my personal information over the phone nor take responsibility for a debt that I wasn't sure was mine. He started to yell at me at which point I hung up. 

XX/XX/XXXX My brother and his wife both received a call from XXXX with XXXX ( XXXX ) regarding File # XXXX and asked them to have me call him. When I called it was again XXXX XXXX XXXX. This time I spoke with XXXX who gave me the information I had requested in my first call. 

I let XXXX know that I have never received a direct phone call and asked that they only contact me and not my family members. I never gave my family members information out and am not sure how they obtained it. She told me that if they were over XXXX they would have to put in the request themselves, to which I repeated that they are to call me for a debt they claim is mine. 

They are being untruthful beginning with who they say they are representing when calling my family then when I call I get an entirely different company name and their file numbers also do not match. 

As a result of this call, this " debt '' is still unresolved as they won't send me any information and have asked that I call the creditor to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lakeside Receivables LLC
State: CA

Complaint narrative:
I've had this company hound and harrass me for the past year, after repeated attempts to tell them I do not know who the person is they are looking for.I have asked them several times to take me off there call list to no avail.They start out first calling my home phone number, then they proceed to call my cell phone and then also call my wifes cell phone.This company is the worst, the people that work there dont understand what it is when someone asks to be removed from there call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: GA

Complaint narrative:
The company Professional Finance can't provide me the original agreement or do they have my social security number to provide to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A fair resolution would be my refund processed immediately, 2 months of no payments from cap one for the stress, and time missed from work-3 days. Lowering my payments significantly would also be a good solution or change refinancing policy for me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was taking advantage of due to Malpractice while several laws were broken under the XXXX by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from XXXX which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my XXXX and let alone not on XXXX or XXXX This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been XXXX XXXX  on Time Payments.

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 2021-11-18 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have sent debt validation letters and dispute letters to Military Star Card in regards to a debt of {$990.00}. The Last reporting date and Last date active are inaccurate. I have sent letters on XX/XX/2021 and XX/XX/2021. According to 15 U.S. Code 1679c. A consumer has the right to dispute any inaccurate information found on their credit report. This is having an affect on my 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 2021-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax back in the beginning of XXXX about them taking XXXX pts away from my credit score. There was nothing new on my credit report to warrant the points taken away. I called them and they informed me they can not tell me why and I would have to contact a credit adviser. I contacted a credit adviser and they informed me they don't know why Equifax told me but they are not able to tell me why that Equifax would have that information. At the end of XXXX Equifax increased my score by XXXX pts. So I thought ok they discovered they made a mistake and gave me most of my points back. Then today they took XXXX pts from my score again. I called Equifax and the lady told me that it's because I have 2 derogatory marks on my credit. These have been on my credit for 5 or 6 yrs. That is not why. I asked to speak to her supervisor and he told me that I needed to speak to a credit adviser and they will be able to tell me. I told him that I called before and they told me they don't know why Equifax is telling me that because they don't know why. He said I could reach out to my bank and ask to speak to a credit advisor and they can help me. So I called my bank and again they told me they can not tell me why Equifax took points off my score that only Equifax would know why. 

Why can't I get an answer? I have done nothing to warrant that many points being taken away from my score. I want answers and the company that took them can not tell me anything?! I just want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Stating from 15 USC 1692a, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from 16 CFR 433.1 ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp
State: NC

Complaint narrative:
These people keep calling me looking for my sister for some reason, Ive told them I have no information about her or what her business is with them and to please not call me but they're still doing it. I'm also on the national do not call registry. They've called me once a month since XX/XX/2021 ( so four times total with 3 of those being after I asked them not to call me again ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I request a {$30000.00} wire transfer from my High Yield American Express Savings account into my XXXX XXXX Brokerage account and the money did not show up. When I call American Express they tell me to call XXXX XXXX with the XXXX XXXXracking number. When I call XXXX XXXX with the tracking number they say they can not find it. I requested American Express put the {$30000.00} back into my account to avoid financial hardship on me but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation