vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Note : This complaint was previously submitted on XX/XX/2019 ( XXXX ). Despite appeals to Bank of America and CFPB, I got only the standard response and no redress. I had given up except for what I have read since the XXXXXXXX XXXX XXXX protests from last summer -- minority voice suppression via redlining, consequent credit damage and hiding behind fine print legalese to thwart responsibility of financial institutions. As a XXXX XXXX, I wonder if I have been given the same treatment by Bank of America. I hope your office will look at my complaint again from a civil rights perspective. 

To recap, the Overdraft protection ( Line of Credit ) covered a {$200.00} shortfall in my Checking account. A transfer of {$10000.00} was made from our Savings account to our Checking account the next day assuming all is now well. Without a noticeable alert or warning from the Bank, the {$200.00} overdrawn amount in the Line of Credit incurred interest of just {$10.00} over 81 days when I got a delinquency call and I rushed and paid off the amount. However, my credit score took an instant drastic hit from about 840 to around 700 as a result. It will take me several years to get my credit standing back. 

It is unfair of Bank of America to continue such usurious practices. Of course, the public be XXXX  when Banks with assets of {$1.00} XXXX or more accounted for {$11.00} XXXX in overdraft fees in 2019, according to the XXXX XXXX XXXX XXXX. They should be taking a page from XXXX XXXX  that alerts customers when their balance is low and helps them to avoid overdraft fees. 

I hope CFPB will reopen my complaint, insist on Bank of America to provide restitution and change regulations to prevent such abuses in the future.

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 2021-06-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I HAVE BEEN DISPUTING A ACCOUNT WITH EXPERIAN SINCE XX/XX/2021. EXPERIAN REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX  AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXX  AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT EXPERIAN IS ABLE TO " VERIFY ''.

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
ROZLIN FINACIAL GROUP XXXX XXXX XXXX XXXX, IL XXXX. Has been nonstop calling me harassing my life at early morning times like XXXX XXXX  and even sometimes at XXXX late night. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. I when I call them, they said the collection is from a storage unit in XXXX. I never been to XXXX. Please they do not stop calling me and I have repeatedly told them to leave me alone. The Company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: DE

Complaint narrative:
Crown Management attempts to collect on Fraud Account after it was advised to cease and desist all collections and violating my rights under the FDCPA. Also Crown Asset Management is an accused notorious violator of federal debt collection laws known as the Fair Debt Collection Practices Act ( FDCPA ) and is sued regularly by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
XX/XX/XXXX, called Pennymac, spoke to PMI department regarding PMI deletion as we have made many improvements to our house since purchasing in XX/XX/XXXX. 

Payment of {$150.00} was taken over the phone that day to pay for the appraisal. 

XX/XX/XXXX, I missed the call from Pennymac, message stated they were calling to schedule the appraisal. 

We attempted numerous times to call back to reschedule only to not receive a response. 

We eventually received a letter stating that we were not eligible for the PMI deletion as not enough time has passed since we purchased the home. We again tried to call to clarify as to why this letter was sent without the appraisal without any response. 

After weeks of being promised a return call we finally were able to speak with someone in the PMI department ( XX/XX/XXXX ) who quoted incorrectly the XXXX XXXX regulations and told us that we were not eligible for PMI deletion as we have not lived in the house for 2 years, and that if we wanted they would refund us the money for the appraisal I read him the criteria of PMI deletion from XXXX XXXX  website which states if improvements have been made to the house then we could start the process. We had made it clear from the beginning that we were requesting a PMI deletion based off improvements and value of the home, thus why we paid the {$150.00}. 

We asked to be transferred to a supervisor, at that time we spoke to XXXX XXXX, who assured us that we were right, and due to the amount of improvements we could start the appraisal process. 

We submitted proof of improvements to the house, and then were contacted by the appraiser who came to the house on XX/XX/XXXX. 

10 days have since passed with no response from Pennymac, except that we have received a duplicate letter from Pennymac stating that we do not qualify for PMI deletion based on the amount of time we have spent in the house. There has been no response from XXXX who was previously communicating with us. 

The appraiser - XXXX XXXX with XXXX XXXX respond to an email with a range of what the houses in the neighborhood are valued at, which is not a sufficient appraisal. 

The appraiser told us that he was not able to issue us the report, that it would come from Pennymac with comparables and property condition to determine current market value. 


At this point we are extremely frustrated with the lack of response and delay in this matter, as they have stopped responding to us we are asking for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Upon checking my credit file Ive noticed a company named Franklin Collection Svcs Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from Franklin collection Svcs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Computer Credit, Inc.
State: CA

Complaint narrative:
I have received a high medical bill and trying to dispute the amount, however, neither my medical insurance " XXXX '' and the hospital " XXXX XXXX XXXX '' is not helping me with the process. I have called both of them several times but they are not being helpful and I am not receiving a fair response. I have received the treatment on XX/XX/XXXX and received the bill on XX/XX/XXXX. I had tried to dispute this claim back in XX/XX/XXXX to XXXX, however they denied. When I called them on XX/XX/XXXX, they had told me that they can not take my request for help since it has been more than 3 months since I got the treatment. I asked the XXXX XXXX XXXX not to send it to the collection agency as I was trying to resolve this with the Ohio Department of Insurance, however, they ignored my request and I received the bill by the following today, XX/XX/XXXX : Computer Collections , Inc . 
Claim Dept XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NC XXXX Phone : XXXX Amount : {$1600.00} The bill shows a discharge date of XXXX however, I have received the bill for the first time on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed my Experian credit report twice since XXXX, and the same errors are occurring. XXXX loans : There are COLLECTIONS INDICATORS for the most recent dispute period, so both XXXX and XXXX for both occurrences of this account. The first dispute resulted in COLLECTIONS INDICATORS for months XXXX and XXXX ; why is this happening? Can you please remove this ASAP??? This account has not had any reported activity from the lender in over 5 years. It is paid out and no longer active. -XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
PHH Mortgage was my Lender and my Property taxes of {$1600.00} were due on XX/XX/XXXX, which I have an escrow account setup. I was in the process of refinancing with a new lender when I found out during my title search my XX/XX/XXXX taxes were delinquent. I notified PHH tax department of my delinquent taxes around XX/XX/XXXX. They failed to pay my taxes until after I closed on my refinance. After I closed they sent the late tax payment to my town on XX/XX/XXXX, which my town sent back to them on XX/XX/XXXX because we had already paid the delinquent taxes. PHH mortgage keeps telling me they do not owe me this money because they " paid it '' but their check was never cashed by the town. I have proof from the town the checks were mailed back to them. I also incurred late fees and interest from their lack of making prompt payment to my town. See attached copy of returned check letter as well as my closing documents see page 23 line F5 and also see pages 92 and 93 for delinquent tax information, which was paid by my closing lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I'm writing you to see why my mortgage payment has increased. The original bank was XXXX XXXX, followed by Caliber. I'm trying to apply for a loan modification with current bank. But as of yet no one has processed my request. The reason for the request is to investigate my mortgage loan that was abruptly moved from 1 bank to the other. I'm asking for a reasonable modification for me & my family. Thank You In Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
XXXX XXXX sold my home loan to Fay Servicing in XXXX. I have had several concerns about this company, especially the customer service department. No one seems to know anything about my account. I started making payments to Fay servicing in XX/XX/XXXX. Fay Servicing has reported my loan to be a bankruptcy discharge, when I have proof of filing a reaffirmation and have copies, they refuse to update. My reasons for filing this complaint is about my payments are not applied to my account correctly. We have suffered a lot of financial hardship in this era, and it has become an extra job to keep following up with a customer service department that do not know what to do. My mortgage is set at 1 % and I am being charged more interest than 1 %. In XX/XX/XXXX, Fay Servicing paid the taxes on my home that was past due totaling XXXX and added it to my escrow balance. I have never paid my taxes with my mortgage and had fallen behind on my taxes. On XX/XX/XXXX. I made my regular mortgage payment, and after talking with a rep, by the name of { XXXX ) He advised me to make another mortgage payment along with the escrow balance amount, which came to an amount of XXXX. I made the payment on the XXXX of XXXX in the amount of XXXX and I told them that XXXX was for my escrow and the remaining XXXX toward my mortgage for this month. They didn't do what they said they would do, instead they raised my mortgage up XXXX dollars and didn't apply it to the escrow balance. No one can explain to me where the extra money went to. I need answers, and It's looks like they are stealing money from the payment report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This 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 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Hello CFPB. EOS CCA is threatening my credit along with XXXX regarding a debt that I do not owe to EOS CCA nor to XXXX. EOS CCA and XXXX are jeopardizing my credit by making me pay for debt that I am not owed to pay. The merchandise was not received and I have proof. My packages contained paper instead of my phones. LEGALLY I AM OBLIGATED TO PAY FOR WHAT I ORDER. LEGALLY I AM OBLIGATED TO RECEVIE WHAT I ORDER AND IN THIS CASE I DID NOT WHICH I HAVE LEGAL PROOF OF WHAT I RECEVIED AND I HAVE LEGAL PROOF OF MY POLICE REPORT AND I HAVE LEGAL PROOF WITH THE REFUND CONFORMATIONS THAT XXXX EMAILED ME DUE TO THEM CONFIRMING THAT THE ITEMS WERE NOT RECEVIED WHICH THEY WERE NOT AND I HAVE PROOF. I ORDERED XXXX FOR OUR WORK AND DID NOT RECEIVE THEM. XXXX confirmed the phones had no usage in my name nor there was any calls on the devices and XXXX informed me that they have blocked the XXXX so no one uses them and they have issued me refunds. I have all my legal documents proving i am not responsible to pay for a debt when I never got the items. I have also filed a police report with the XXXX which I will attach. EOS CCA and XXXX needs to cease this invalid debt because I am not responsible to pay for something when i never received my items. mY ITEMS THAT I PAID OVER {$13000.00} FOR I NEVER RECEVIED AND I HAVE PROOF ALONG WITH MY XXXX REPORT. THIS DEBT REMAINS UNVALID AND I HAVE NOTIFIED XXXX REGARDING THIS. EOS CCA AND XXXX NEEDS TO STOP HARRASING ME AND ASKING FOR MONEY THAT IS DEEMED NOT OWED TO THEM AND I HAVE LEGAL PROOF. CFPB PLEASE RESOLVE. PLEASE SEE ATTACHED POLICE REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We were defrauded by WELL FARGO. We was told to not make XXXX payment in XXXX. They tried to foreclose on us. We had a mortgage of 30 years that was to be paid off in XXXX. We were forced to modification to 40 years. They swindled us into a XXXX lie. To compensate our dream home. Yes we want justice and transparency of this illegal action towards. Yes we also was in their illegal issues that Supreme Court found them guilty in mortgage fraudulents cases against peoples homes. I have all of my forms.

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 2021-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Opened Citibank checking account in XXXX, 2020 with a promotional bonus of {$400.00} for meeting deposit requirements and maintaining a {$15000.00} account balance for a 60 day period. The terms of the offer is the money will be deposited within 90 days of meeting the requirements. It has been almost four months and no monies have been deposited.

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Upon checking my credit file Ive noticed a company named tele recovery of Louisiana has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.

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 2021-06-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have paid Nordstrom a collection account which was determined to be removed and agreed to be removed. All 3 credit bureaus do not report correct scores correlating with each other. Incorrect scores. I am requesting for corrections to be made on each credit bureau that report the same accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
Upon checking my credit file Ive noticed a company named Convergent outsourcing Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.

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 2021-06-22 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation