vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
Last year, our then current mortgage provider ( XXXX  ), sold our mortgage to Flagstar Bank. We had a monthly payment of {$1500.00} which included escrow when we had XXXX. Right away, after it was sold, our mortgage payment increased to {$1700.00}. We called to inquire about it and were told they would be taking additional funds each month in order to have a buffer in escrow.

We have been paying about {$300.00} extra per month for 8 months now. This week we received a letter in the mail from our insurance company stating they were cancelling our policy due to non payment. So we went on Flagstars website to see transactions and not only are we still negative in the escrow account but they said they paid our previous insurance company a payment of {$1400.00}. Our former insurance company, not our current insurance provider mind you. Nearly 20 years of dealing with mortgage companies and Ive never
experienced such a thing. Were not satisfied with the selling of our mortgage to Flagstar, and even more unsatisfied with the service they provide.

It has been a struggle keeping current with finances due to the pandemic and being a small seasonal family business, its hurt us hard. The last thing we needed was our payments increasing each month. Im at a loss at this point. Our rates with the current homeowners insurance are less than they were with the previous
company, so I believe that leaves us paying unnecessary, additional funds to Flagstar as well. Im not comfortable having my money sitting in their account for this buffer either. Not sure where to turn, or who can actually help solve this problem, so reaching out to you for help.

Id be willing to provide any and all documentation as needed. I appreciate your assistance. Thanks 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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I transferred through a wire funds from XXXX. The wire instructions were perfect. This was done 10 days ago. The wire went to Wells Fargo. XXXX has called them and confirmed the funds are sitting in a Wells Fargo account. Wells Fargo after many calls said they located the wire and told XXXX they would send it back to my account. They said it was high priority. Its been another week and the funds have not been retracted back to my XXXX account. This to me is a deliberate hold on my funds.

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 2020-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/20 - received tax bill in mail. called Amerihome Mortgage and they said they didn't have bill so they were not going to pay it. I could send copy of bill and it would be paid. They escrow to pay taxes and insurance. They  failed to pay homeowner 's insurance in XXXX, XXXX and XXXX resulting in my policy being cancelled. I was refinancing with them as they told me it was easier and quicker. Process took months including policy cancellations and late fees. My taxes would not be paid if I didn't call them. Disconnected 3 times while on hold for over an hour. Requested supervisor or manager and never connected. Mortgage is significantly less than value of home. Amerihome benefits if i have lien and foreclosed for not paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc.
State: CA

Complaint narrative:
They're calling saying my XXXX year old son, owes a debt to some gym.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Due to Coronavirus and my health I had to move unexpectedly and did not get my XXXX statement. I did not realize I had used the card ( same color as my debit card ) to purchase a gallon of milk for {$3.00} until I got my XXXX statement. I immediately paid the bill in full on XX/XX/2020. 
I have NEVER paid late before or since. They have reported me 30 days late for this {$3.00} debt which was simply a mistake coupled with rushed change of address. Ive begged their forgiveness and asked for the removal of negative mark from all three credit bureaus but they refuse. I have apologized profusely for using their card accidentally for a simple gallon of milk. Its awfully harsh punishment to be reported negative for 7 years over a gallon of milk and having my score drop dramatically. Additionally, this is the ONLY negative mark on all my cc history. 
Can you please help me? I have begged Capital One and they simply dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
AMERICAN HONDA FINANCE XXXX  This account is current however my credit reporting is inaccurate as the account is being reported as delinquent and charged off. This is preventing me from getting the credit I deserve and needs to be updated right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Today, XX/XX/2020 I deposited a check for the amount of XXXX dollars from XXXX XXXX. I deposited the check in the BANK OF AMERICA ATM in XXXX, MA and the funds were coming from a LOCAL bank, XXXX XXXX XXXX, in XXXX MA. I was told by my banking institution BANK OF AMERICA, that the check would be delayed for 6 days until release and no part of the check would be deposited before that day. i asked why that was as this wasnt bank policy before and they told me they just changed their policy and refused to notify any of their patrons for verification and acceptance. Aside from this, they are apparently breaking a federal law which is as follows : According to XXXX, federal regulations require that local funds deposited via an ATM must be made available no later than the second business day after the deposit, as long as the check was deposited on a banking day ( mine was ), and the check was deposited in an ATM owned by the depositors bank ( it was ). Non-local checks can be held for five business days, but not a day longer. 

Again my check was local and deposited into an ATM used by my bank. I tried to resolve this issue with my bank but was unsuccessful

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 2020-10-21 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
2 payments are reporting negative ( 30 days late ) that is highly incorrect. I have disputed this multiple times but has yet to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion   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 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 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: MA

Complaint narrative:
Received a letter from FBCS saying {$250.00} is owed and the original creditor was listed as the doctors office I use. I have never received any bills which is odd because they have always sent notices if I forgot to pay a bill. They have never called either and that usually happens as well. I called the doctor and they have no record of anything owed and they confirmed they do not even work with FBCS nor have they heard of them. So I looked up FBCS on the internet and XXXX  seems legit numbers and addresses match on the mail I got. So I decide I'll call the company as it must be a mistake. FBCS told me the doctors office sent it to them so the doctors office wouldn't have any record of it anymore. They said I should just pay it since it is small. They tried to make me log into a website with my SSN and when I refused to do that they said they would confirm the last 4 with me to prove they already had the info. Guy on phone sounds surprised and says " just sign in with XXXX  because it looks like we don't have the social security number ''. I get errors still can't sign in to " see '' the bill. I asked what can be done because the doctors office is saying they don't even work with you and I don't owe this and my spouse doesn't owe anything either. They told me I couldn't do anything to dispute the debt with them and would have to call the doctors office and speak to the supervisor there because I do owe the money but I should just pay it because it is small. Fbcs also said the doctors office sent the debt to them on XX/XX/2020. I have another call into the doctors office to see if any patient info has been stolen because FBCS does have the correct name, address and doctors office which is worrisome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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 ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; sXXXX On XX/XX/2020, 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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & XXXX XXXX XXXX XXXX. On XX/XX/2020, I mailed XXXX, XXXX   and Experian 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 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 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Adverse Account Reported by TransUnion by XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX account placed for collection in XXXX, Balance {$220.00}. We have been XXXX XXXX customers for over a decade. XXXX came to our house with a free offer to sell their service and we declined at that time. We did not receive any services from them and have notified them of this issue. XXXX has not responded to our notifications.

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 2020-10-21 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: CA

Complaint narrative:
Duplicate trade lines was removed in error and upon explaining to Transunion. I was advise Credit report agency was unable to re-report due to companies policy on an authorized user account. In addition, because of the incorrect reporting error it has now impacted my consumer report and is not reporting accurately.

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 2020-10-21 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: DISCOVER BANK
State: GA

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX and XXXX reported late payments in XXXX and XX/XX/XXXX, while XXXX reported three late payments in XXXX, XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XX/XX/XXXX.  There are also several inconsistencies regarding account XXXX in the payment history section. EXXXX is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX in the months of XXXX, XXXX, and XX/XX/XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: AR

Complaint narrative:
I pulled up my credit report and found this item on my report. I have never been contacted by this creditor and my 30 days to dispute this charge has lapsed bc I was not made aware of this charge. I do not know what this charge is for and would like to have the creditor to provide me with proof of the debt in writing.

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal will not refund me money that was not authorized. I disputed a charge in XXXX on my account in the amount of {$670.00}. I have attached a statement containing the disputed charges and have highlighted it. I am a victim of theft and i did not make these charges/debits. I have requested that the aforementioned fraudulent charges be refunded back to me. I have spoke with the bank numerous times and I have also emailed and wrote letters to this bank. I have yet to receive my funds back. I was with this bank for over 20 years and never had any issues until now. I have attached a police report of case number XXXX when this occurred and gave them all other documentation confirming all the information of this charge.Social security number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant tothe Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX  Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.

Company response to consumer: Closed with explanation