vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I sold my house on XX/XX/2020. I attempted to stop the auto draft for the payment on XX/XX/XXXX, by notifying Dovenmuehle that they were not authorized to charge my account. They charged it anyway, despite the loan being paid in full during closing. They owe this payment back, totaling {$1900.00} After closing, they also owe my escrow refund in total of {$5700.00} The total amount owed to me is {$7600.00} I have made multiple calls to Dovenmuehle regarding these refunds and no progress has been made. I have still not received checks, over 30 days out of closing. Dovenmuehle claims the checks were made on XX/XX/2020, but here I am on XX/XX/2020 without any check. 

Every time I call, there is a new excuse as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX is currently listed on my credit profile. I am not sure what this is but it looks like it may be some type of timeshare. It shows where this account was opened back in XXXX, however I have no knowledge of this account. I submitted an electronic dispute through my credit monitoring service by experian on XX/XX/XXXX. There has been no change to the negative inaccurate posted account. I would like to have this problem resolved in a timely manner.

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 2020-09-11 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have filed a dispute with XXXX and investigation took over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Niagara Restitution Service Inc
State: CA

Complaint narrative:
Debt Collector contacted a Family member at the referenced number and stated were serving me with summons for a debt owed. This was after they were told the number was not mine ( third party disclosure ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: T.S. Holdings
State: CO

Complaint narrative:
The date of first delinquency for this debt is listed as the XXXX of XX/XX/2014, and as such it has passed the six year statute of limitations in Colorado for leasing/rental debt. As such, this debt is no longer collectible in court. 

Furthermore I have been in contact with XXXX XXXX over the last few weeks in an attempt to collect this debt, and they have been unable to recover any records to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I have an issue with a collection account on my XXXX credit report. I have contacted the collection called Professional Bureau of Collection of  Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted XXXX XXXX and spent over an hour on the phone with being transferred three times to three different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with XXXX XXXX led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt XXXX XXXX to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is XXXX, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX, the entire account should be deleted off of my credit reports with Experian, XXXX and XXXX XXXX collectively. XXXX XXXX XXXX XXXX  is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
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 2020-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX I called and requested a deferment on my mortgage due to the Coronavirus pandemic and was approved for 90 days. I received a letter in the mail from the U.S. Bankruptcy Court stating that my deferment was ending in XXXX, which should have been XXXX because I actually made a payment in XXXX. Due to filing Chapter XXXX Bankruptcy XX/XX/XXXX, I was told my Attorney would need to send a letter allowing Bank of America to discuss the terms of my arrangement which I did and at that time I was told my Account Rep named XXXX XXXX would get back to me with the outcome. I never received a phone call from her and she did not return numerous phone calls from me. I did receive a second letter from the U. S. Bankruptcy court noting an extension until XX/XX/XXXX. I called the bank today to get the details of my deferment and was advised that I was not in deferment, but forbearance which was the very first time anyone had communicated that to me from Bank of America. She stated that I would have to pay the entire past 5 months in full by XX/XX/XXXX but could not go into detail due to my Bankruptcy status and transferred me to a different Dept. I got someone by the name of XXXX in Arizona on the line and he advised he would look into the matter and would place me on hold, he actually terminated the call and DID NOT call back. I have no way of reaching anyone else to discuss the detail of my loan and my Account Rep does not respond to VM messages. I have requested a new AR on multiple occasions and each time I am told, the issue would be escalated and someone would get back to me but never happens. There has been little to no communication in regards to my payment arrangement that has been made with Bank of America and this is wrong. As I was typing this complaint, I got XXXX from XXXX on the line after waiting an additional 1 hour and 45 minutes, he stated XXXX XXXX XXXX XXXX XXXX is my Case XXXX now and transferred me to speak with her which ended up being another spot in a queue. Before transferring the call he stated she was supposed to call me 30 days before my arrangement ended to discuss repayment and once again someone at Bank of America has dropped the ball when it comes to handling my Mortgage. Completely unacceptable.

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 2020-09-11 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: NY

Complaint narrative:
I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a  minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX   immediately, and as a professional courtesy by XXXX XXXXXXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX XXXX and Trans Union collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
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 2020-09-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX Equifax and XXXX XXXX collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, XXXX, TransUnion and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX, TransUnion and XXXX   would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.

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 2020-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureausXXXX XXXX, XXXX and Equifax on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX XXXX and Equifax would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a Bank of America XXXX XXXX XXXX   XXXX on XX/XX/2020. The card advertises bonus cash back in customer designated categories. I selected " online shopping '' as my chosen category at 3 % on XX/XX/2020. The card also advertises additional bonus cash back depending on your client status with the bank. For me, this would equal 25 %. Therefore, the online shopping category should provide 3.75 % cash back. 

On XX/XX/2020, I made an online purchase for {$2200.00}. The charge went through with a " .com '' suffix. I was awarded 1.5 % cash back and not the advertised 3.75 % cash back. This difference amounts to a little over {$57.00} USD in rewards. I appealed to the bank on XX/XX/2020 and received a letter in the mail stating they would not change this. I called again and was told the problem was how the vendor coded the transaction. I called the vendor on XX/XX/2020 and they did not know what Bank of America meant. The vendor provided me with a bill of sale and documentation that showed in three places that this was an online sale. I again contacted Bank of America and appealed and received a letter on XX/XX/2020 where Bank of America refused to honor the promotion. 

On XX/XX/2020, I made an appointment at my local Bank of America branch and called the credit card department with a banker. Bank of America refused to honor the terms of the credit card promoted at the time I opened it. The banker stated that he could provide documentation supporting the online nature of the transaction, but they still stated they refused to appropriately provide the 3.75 %.

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 2020-09-11 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
the late payments need to be removed from my account. I have never been late on payments with this company. 

Please see attached documents. I have been reported late for XX/XX/XXXX and XX/XX/XXXX. Once again I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 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: TN

Complaint narrative:
I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with Equifax and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
Around XXXX of this year they sent a sheriff to my home they don't communicate well. I entered into a payment arrangement in XXXX to prevent a wage garnishment. I lost my job and my brother around the same time. They are extremely predatory. They offered a settlement amount of {$1100.00} in XXXX and told me any payments I made would go towards that amount. They are now telling me in order to settle I need to pay XXXX they have began garnishing my check for a total amount of {$3600.00} I only borrowed around a XXXX from them and actually paid that loan down. They are taking advantage of me. This loan was taken in 2014 and they have already charged it off. I'm trying to make this right but they are taking advantage of me.

Company response to consumer: Closed with explanation