vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have two merchant accounts with Fiserv.My two merchant account # are XXXX and XXXXThey held my funds since last year.I filed a complaint last month and they said that will release my funds to my XXXX  checking account ending in XXXX.but i still have not yet received it.My XXXX checking account is still open and active.please release my funds to my XXXX  checking account immediately.And please tell me that when was the first day that fiser think that the hold of funds can be removed? ( when was first day that my held funds was able to release by fiser? ) .And if i did not file a complaint with them will they trying to hold my money forever? Thank you so much.

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 2020-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I had 3 savings accounts with M & T Bank. On XX/XX/2020 I had all the funds of the accounts transferred to another financial institution. The interest earned on the accounts from XX/XX/2020 to XX/XX/2020 and posted on XX/XX/2020 was : Account 1 - {$.00} Account 2 - {$.00} Account 3 - {$.00} Total {$.00} Instead of closing the accounts and sending me a check for XXXX cents, the bank charged me {$45.00} in fees for Account 1 ( {$30.00} ) and Account 2 ( {$15.00} ) - Account 3 was not charged bank fees but remains open with a {$.00} balance. I have written the bank twice - once in early XX/XX/2020 after seeing the {$45.00} of bank charges on the XX/XX/2020 electronic bank statements, and then in XX/XX/2020 after not receiving any response from the Bank in regards to the requests in my XXXX correspondence - specifically asking M & T to rectify the situation by reversing the fees, sending me the accrued interest and closing all the 3 accounts. M & T has not responded to my request ( positive or negative ) but recently sent me month-end XXXX Statements which indicates that M & T has credited Account 1 & Account 2 ( total of  {$44.00} ) for the difference between the inappropriate fees ( total of {$45.00} ) they previously charged my accounts and the interest earned ( {$.00} ) from XX/XX/XXXX to XX/XX/XXXX, resulting in XXXX balances for Account 1 and Account 2.The troubling part is they call the credits " Collection Account Fee, '' which has me very concerned they may be  attempting to inappropriately soil my credit record due to their incompetence. In addition, they continue to ignore my request to close Account 3 with a remaining balance of {$.00}. Since the bank will not communicate directly with me and it appears they do whatever they want to do, I have no choice but to lodge a complaint.

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 2020-09-10 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: VA

Complaint narrative:
On XX/XX/2020 I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XX/XX/2020, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they  think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: VA

Complaint narrative:
On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: CO

Complaint narrative:
I made a payment online on XXXX- I should have only been charged one payment-but the system charged me for 2 months. I contacted customer service immediately, the agent told me the second charge would be reversed, but to wait since that day was a holiday. I checked the next day, XXXX- and no refund had been received. I have called back every day since the XXXX and have been told that Advance America `` Treasury '' would reverse the charge. This has not happened, and I am again on the phone with Advance today, on hold while sending this notice on XX/XX/10. 
I was told by one of the staff at the store where I got this loan " You are not the first customer to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
i recently check my credit ON XXXX XXXX and seen 2 negative items from NATIONAL CREDIT ADJUSTERS SAYING THAT I OWE ( 2 ) ALLEGED DEBTS,1 FOR XXXX AND THE OTHER FOR XXXX WHICH I DO NOT OWE.I SENT THEM A CERTIFIED LETTER WITH A COPY OF BOTH LETTERS ATTACHED ASKING FOR THE INFORMATION CONCERNING THESE ALLEGED DEBTS ON XXXX XXXX, IN WHICH I HAVEN'T HEARD ANYTHING FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: DE

Complaint narrative:
Yesterday I received an email from XXXX who works for cash app, stating that I need to submit another copy of the affidavit with death certificate so I did through the portal. Except all this information was sent prior so why do I have to keep sending the same information over again. I want this issue to be resolved so I can move on from this. Why aren't they giving an answers on either account? 
account # XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XXXX Mortgage dba XXXX XXXX purchased my Mortgage or, purchased XXXX Mortgage XXXX facts are unclear ). Upon purchase, I received a document stating that nothing will change within the Terms and Conditions of the Loan. To date, no new documents were presented nor signed. For the year 2020, I was not sent an Escrow Statement by XXXX. Instead, I logged in to my account in XXXX to make a payment and notice my mortgage amount had increased without my knowledge. It took me contacting the company to receive a statement and I paid the shortage amount. 

XXXX XXXX, I received a second Escrow Statement with a monthly mortgage increase. I called Shellpoint/NewRez and spoke with an Agent. I was advised that Shellpoints Terms and Conditions to their XXXX Agreement is that the Customer is required to maintain a XXXX balance in escrow at all times. 

This is not the Terms and Condition Agreement that was signed at closing. This has not been an issue with XXXX until now. I do not have a signed, legal document with Shellpoint of these new Terms and Conditions therefore, I emailed XXXX advising them of my Dispute. My increase in mortgage starts XX/XX/XXXX and I have yet to hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: AL

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Please see my original complaint here # XXXX. I received information from you that the claim was closed because they were correcting the problem. I received a letter from Ford Motor Credit dated XX/XX/20 stating that they acknowledged their error and were sending me a check for {$7.00} in a separate letter. I have yet to receive this as of today XX/XX/20. I have contacted them through email with no response. Therefore I am making a claim once again regarding their failure to handle it appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: IN

Complaint narrative:
We recently refinanced with an alternate mortgage lender as of XX/XX/2020. The previous mortgage holder is keeping our escrow for confusing and unanswered reasons. We have heard several different stories as to why they are keeping the balance of our escrow which Is in the amount of {$1400.00} at the time of closing settlement. We entrusted 21st mortgage to manage our account for mortgage insurance and taxes which our new provider has taken over and paid in advance. We believe the person managing our case has been dishonest the entire process. 21st mortgage can not be trusted to manage escrow accounts accurately. The escrow account is funds we pay beyond principle and interest to ensure insurance premium and taxes are paid. If no payments are due then the balance should be refunded to the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT AND NOTICE A COLLECTION FROM DIRECT MANAGEMENT STATING THAT I OWE A ALLEGED DEBT OF XXXX $ FROM XXXX XXXX, WHICH IS INACCURATE AND I DO NOT OWE.I SENT A LETTER ON XXXX XXXX US CERTIFIED ASKING FOR THE INFORMATION DEALING WITH THIS ACCOUNT AND HAS ATTACHED A COPY BELOW FOR YOUR VIEWING AND ASSISTANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I sent certified mail to National Credit Adjusters , LLC to investigate an entry that appeared on my credit reports from their company in the amount of {$1100.00}. The account does not belong to me and should not be on my credit reports as National Credit Adjusters , LLC have not provided me with any legal documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TX

Complaint narrative:
Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to grant me a loan. There were hard inquiries in XXXX on all 3 credit reporting agencies and there should not be any.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX, we paid Amerisave Mortgage {$500.00} for an application/appraisal fee for a refinance of our home. At that time we were told that the {$500.00} was required to lock in the rate in at 2.5 %. We asked for written confirmation of that rate and were told to 'trust ' the loan originator. We did not receive the rate lock in writing.

For several days after the 10th I repeatedly called and emailed Amerisave asking for confirmation of the rate lock. I was given numerous excuses relating to their 'system '. I clearly told Amerisave that if they could not confirm the rate lock by XX/XX/XXXX in writing that I would dispute the {$500.00} charge on my credit card. They did not answer my calls or emails other than to say 'my boss will call you '. The boss never did return our call and on XX/XX/XXXX I wrote again, to Amerisave informing them that we would be taking our business elsewhere. 

They have not refunded the {$500.00} charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I financed a truck through XXXX. I had a hardship in my family and filed Bankruptcy. The truck was included in the bankruptcy and the payments were made in the plan. This went on over a year. I went back to work and decided to come out of the bankruptcy and pick up my payments with my creditors. Everything is working great except XXXX are stating that I have to pay almost {$9000.00} to keep my truck. They stated to me that they were not paid through my bankruptcy. I have all of my statements from the bankruptcy court showing that they paid XXXX according to the plan each month. Now XXXX are threatening to repossess my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I, XXXX XXXX, am reporting against the business, Carrington Mortgage Services. They have been reporting me being late on payment going back to XX/XX/2018. What occurred was Carrington Mortgage picked up my mortgage from XXXX XXXX XXXX  which the transaction was not successful. XXXX XXXX XXXX  withheld money in the transaction to Carrington Mortgage. We were reported by Carrington Mortgage that we had been late on payments from XX/XX/2018. Carrington wanted their {$300.00} and didn ; t consider the amount transferred from XXXX XXXX XXXX. 

We have been making payments to the company every month. The company does not want to provide correction to the credit bureau on making payments on a timely basis. As an active serviceman, the company had been not providing accurate service regarding me being a good customer to the credit bureau. The company does not have a section that resolves these issues. The only thing they have is a record department that has been non compliant in assisting me with my credit to the company. This issue is placing problems with my active service record and clearance status. 

Carrington has not been compliant with customer service relationship with me nor members of my family during this time. 
I want them to take this off my credit. I have never been late paying my mortgage and the company doesn't care. We paid this XXXX {$300.00} a while back and the company still does not want to establish it. 

I want my credit to be fixed and for them to correct this. This is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: AL

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.

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 2020-09-10 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: AL

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE ANDY OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.

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 2020-09-10 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:
Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to XXXX me a loan. There were hard inquiries in XXXX on all XXXX credit reporting agencies and there should not be any.

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Era Asset Management, LLC
State: TX

Complaint narrative:
Collection company called my cell phone 2 times without verifying that this was my number and they left a detailed message on the name of the creditor that I owed money to. They also called my place of employment and left the same detailed message on a voice mail without verifying that was me. They also called my brother and gave him information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Thaxton Investment Corporation
State: IL

Complaint narrative:
Covington Credit is report a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, i called immediately and paid this off. I never received any phone calls, collection notices, or letters about this debt. This account is still reporting an balance which is erroneous. I need this fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I current behind by couple months with mortgage and credit cards. In had cov19 recover after 2 months. Really need help and payment assistance and more time. Get everything together.

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 2020-09-10 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
National Credit Adjuster is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid this debt off. I never received any phone calls, collection notice, or letters about this debt. This account is still reporting a balance which is erroneous, i need this to be fixed.

Company response to consumer: Closed with explanation