vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX - deposited a XXXX XXXX bill pay check from my son in the amount of {$46000.00} in my SunTrust checking account. On the bank check it had a telephone number to call with questions. 
XX/XX/XXXX - notified that SunTrust had flagged the {$46000.00} and sent the check to their fraud unit. They also closed both my checking and money market accounts. I had no access to any of my funds for weeks ; couldn't pay my monthly bills and mortgage ; had to take out a loan. Made many phone calls and visits to the branch to find out the status. No on could tell me why they were holding the check or when it may be released since it was NOT fraud. I finally received checks for the balance of the money market and checking account minus the {$46000.00} XX/XX/XXXX - Spoke with XXXX at SunTrust ; told me the check was on hold, possible recall but had no further information and could not refer me to anyone who might tell me what was the issue. I don't know where to turn ; I'm beside with worry because no one will help me. I'm facing serious tax consequences, which I can't afford, because I'm on Social Security, if I don't receive the {$46000.00} by XX/XX/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 2021-03-01 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: FL

Complaint narrative:
on XXXX i requested a method of verification with equifax for the following account that is inaccurate, obsolete, unverifiable BK chapter XXXX # XXXX. They failed to verify it, i am stressed that they violated my consumer rights. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. 
It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) statutory damages of {$1000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. I.R.C. 7431 ( c ). 
I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged CHAPTER XXXX BANKRUPTCY # XXXX showing on my credit report. 
I therefore request that you remove immediately this Bankruptcy from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management calls me daily, attempting to collect a debt *for someone else*, a person that I do not know. I have told the reps who call MANY TIMES that I am not that person, I do not know that person, that I do not need their services, and to STOP CALLING ME. They will share information about the person 's ( they are looking for ) debt ( a violation of collection practices ), even after I inform them I am NOT that person. I block the number they call from, only to have them call from another number. I have tried getting them to understand that they have the wrong number, but they KEEP CALLING. I no longer answer their calls, but do immediately block the number when they find another to harass me from. How do I get them to stop?!?! Today 's call ( XXXX EST ) came from XXXX. To date, I have received their badgering phone calls from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2021 a complaint was submitted via CFPM regarding an account that XXXX XXXX ( XXXX ) is reporting in error to the credit reporting agencies. On XX/XX/2021 XXXX  responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. XXXX claims they " emailed '' the documents to me but I have never provided XXXX with my email address. On XX/XX/2021 I wrote XXXX requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay servicing is my mortgage servicer and fay servicing was holding my payments in a suspended account now i have a late payment on my mortgage credit and fay servicing will not remove the late charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I received a call from, they said XXXX, that my account as about to be charged {$850.00}. They had the wrong name but my cell phone number. The number on the caller ID was XXXX. There are no charges yet on my XXXX XXXX but this is the second of this kind of call in the last week. 

My Phone is XXXX. XXXX denies this in XXXX of their phone numbers. I have never had XXXX to call about charges " about to be charged '' regardless of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander XXXX and class action settlement agreement. Haven't received any information on my individual account. They are currently tanking my credit and charging outrageous interest fees post-settlement. I'm currently being punished and retaliated against for my association in class action settlement. Santander is trying to force repossession after losing the lawsuit. My last payment of {$300.00} on a current loan solely went to interest and fees and my credit score has nose dived 50 points from XXXX, XXXX! They are trying to financially ruin me due to their unethical business practices. They reported me as paid on time in XXXX and XXXX throughout XXXX but actually my payments were missed 3 months in a row during that year. The settlement has become a punishment for me the consumer at this point because nobody will step in to look at my individual situation. Santander lost the suit and is now making it worse during a pandemic. I have made {$8000.00} in payments on an $ XXXX year loan but still showing a balance of over {$9000.00} and coming up on the last year of the loan. They also sold me a fraudulent warranty and the dealer misrepresented my income to get approval. My credit report is completely misrepresented by falsifying dates and extremely high-interest fees and penalties. My account is an exact model of the Santander class action settlement but nothing has been done. The current loan balance amount far exceeds the value of the car and is completely inaccurate to the amount paid to date on the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc.
State: OH

Complaint narrative:
XX/XX/2012 {$1900.00} by company i check online i cant log in first time it said cant log in.. i feel it rip off i check reviews.. i called.. i asked them offer settlement.XXXX they said ( attitude on phone ) no.. i wont pay for it.. i hung up on them..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXXXXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-01 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: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX  XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: NE

Complaint narrative:
JFQ Lending sent me an unsolicited legal Notice of What You Need To Do regarding my current mortgage which is not with JFQ. Its false advertising maliciously designed to mislead consumers. Shameful. 

The JFQ letter also falsely claims that XXXX is the holder of my existing mortgage. That false statement is designed to get me XXXX and other recipients XXXX to call JFQ to ostensibly correct the error. Its not an error ; its a deliberate attempt by JFQ to get me to contact them... so they can solicit a sales commission under false pretenses. I hate to think about all the people they are fooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: AL

Complaint narrative:
I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since 2019. However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.

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 2021-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Response to Wells Fargo Letter dated XX/XX/XXXX CFBP Complaint ID XXXX concerning account XXXX To whom it may concern, Paragraph titled Termination of business with Wells Fargo and restriction on account ( HELOC ) I have reviewed your letter with the enclosed HELOC contract agreement and disclosure statement. The following clause from the terms and conditions of the Open Ended Mortgage agreement is referenced in the letter for restricting my account : Based on our review, we have made the decision to restrict your use of your account due to your action or inaction which has put our interest in the collateral at risk. This statement does not help me understand why my HELOC account is restricted and Wells Fargo will not let me draw from the account even though my account is current, my property value has increased from the origination of the HELOC in XXXX to $ XXXX and the balance on my primary mortgage is only $ XXXX. According to the open ended agreement, the note does not come due until XXXX and I am contractually able to draw on the account until XXXX. I hope the fact that I am XXXX and retired were not factors in Wells Fargo determining that I am too risky. 

Upon reflection, I remembered that in XX/XX/XXXX, the Wells Fargo/Wachovia HELOC was issued at the same time as the home mortgage with Wells Fargo/Wachovia. Since that time, I refinanced my primary mortgage with XXXX and then XXXX transferred my loan to other loan servicers ( XXXX XXXX being my current loan servicer ). As such, Wells Fargo may not have been informed by the other loan servicers of the transfer of the mortgage of my primary residence. 

I am able to provide the following documentation to be in compliance with the terms of the open-ended mortgage agreement : Latest mortgage loan statement from XXXX XXXX indicating satisfactory payment of mortgage, real estate taxes, and insurance for the lifetime of the XXXX ARM serviced by XXXX. 
Current NJM Home Insurance Policy Declaration Endorsement indicating that XXXX XXXX  is the Mortgagee Sincerely, XXXX 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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Feldman & Stern, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX oXXXX XXXX, I received a phone call from an " unknown caller '' at XXXX XXXX A voicemail was left simply stating that I needed to call a person back named XXXX XXXX immediately. In addition, my spouse received the same phone call and voicemail at XXXX XXXX. 

I called Mr. XXXX back at XXXX  XXXX, to inquire about the reason for his call. He stated that he was collecting a debt from XXXX XXXX, a total of {$210.00}, and that this needed to be paid by XX/XX/2021, in order to not go have a bad mark on my credit score. This was stated via phone call. 

I proceeded to ask about the amount and if I could get an itemized report of where this amount of money came from. He said that it is too late and that I can not receive this information. He stated that he was calling on behalf of XXXX XXXX and that my account came to them after being delinquent at XXXX XXXX. He also claimed that I was 90 days delinquent, however I have never received any notice of this before today, XX/XX/2021. In addition, he would not provide me with a number to call so that I could receive any more information about this debt that he stated that I owed. 

I requested on the phone that he send me an email outlining the debt that I supposedly owed. This is attached below. 

My last communication with XXXX XXXX owner, XXXX XXXX, was on XX/XX/XXXX, when I cancelled my account via postal mail, where I included my key fob that gives access to the gym. I have not received any further communication with Mr. XXXX regarding any further debts or charges, until today, XX/XX/2021, from Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: RI

Complaint narrative:
Hello, I refinance with XXXX XXXX XX/XX/XXXX and at that time they put XX/XX/XXXX tax payment into escrow. I just refinanced again with same company XX/XX/XXXX and my attorney found that the taxes are deliquent because the City of XXXX did not receive the XX/XX/XXXX tax payment. I have phoned into Amerisave and servicer ( Dovenmuehle in Illinois ) 10+ times over the last 2 months trying to get this resolved and as of today the City still does not have the tax payment nor the interest payment. According to " XXXX '' at Dovenmuehle on XX/XX/XXXX at XXXX  she stated that they sent 2 checks to City ... .check # XXXX in the amount of {$1200.00} which was deducted from my escrow to pay the taxes and check # XXXX in the amount of {$290.00} was paid by them ( Dovenmuehle ) because it was there mistake ... this was for the interest charge. I physically went to the city tax office this past friday and they never received the checks. I phoned back into Dovenmuehle today and spoke with " XXXX XXXX '' and she opened a work ticket and said it would take another 3-5 days to research. I asked to speak with her supervisor whose name is " XXXX XXXX '' and she said he would call me back. Dovenmuehle phone # is XXXX. Loan # is XXXX I received a payment notification from servicer stating that my taxes in the amount of {$1200.00} were paid on XX/XX/XXXX however the city never received the money nor did they get the interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
A company named Phoenix Financial Services have a medical debt in my XXXX  file as a collection and I know is not mine. Transunion removed it two days after my dispute in XXXX but XXXX sent me a letter today XX/XX/21 letting me know that the debt is mine which is not. I have medicare and usually everything covered is paid in advanced and if not I always asked before service because I do not have sometimes the money to pay out of pocket, in general I always pay in advanced if there is any out of pocket amount or I do not proceed with the service. This collection debt is causing a lot of damage in my credit report now. It is very stressful for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I discovered that Infiniti had reported a 30 day late payment from XX/XX/XXXX on my credit. I called them immediately and was told by a customer service representative that the account would be updated if I disputed the information since there was a discrepancy of a couple of days, my wife had lost her job due to Covid and I had been not only an excellent customer but had been paying extra on my loan up until that point. The update never happened. I contacted the credit bureaus and Infiniti verified the information. 
I called them on XXXX and after spending an hour on the phone with a rep was told that a late payment could never be removed. I requested a supervisor or manager and was told 3 to 5 days for a return call. This is completely unacceptable and poor client services.

Company response to consumer: Closed with explanation