vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: RI

Complaint narrative:
I was processing a mortgage with Cardinal Financial in XXXX Florida, my loan officers name is XXXX XXXX. 

The loan was progressing normally and all appeared to be going well until XX/XX/XXXX. We had a loan commitment date of XX/XX/XXXX. Mr. XXXX was waiting for a condo review to be completed in order to issue commitment. On the afternoon of XX/XX/XXXX Mr. XXXX texted myself and the realtor and told us he had received a verbal Clear to Close. I can provide a screen shot of this text if needed. Based upon this text we allowed commitment date to pass putting our deposit in jeopardy. The next day Mr. XXXX reached out and let us know in fact Clear to Close was not issued and condo review now had concerns. He then worked with his underwriting team until Friday XX/XX/XXXX to resolve the issue and at that point let us know he could not get approval to allow us to close. 

We informed the sellers realtor of this information on XX/XX/XXXX. The seller of the property is now threatening to keep my {$15000.00} deposit or charge me an additional {$3000.00} in expense to issue a closing date extension so another lender may complete my financing. 

Mr. XXXX false claim of Clear to Close being issued has put my family and I in an awful position facing a {$15000.00} deposit loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: IL

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I received a letter dated XXXX XX/XX/2021 that a medical bill was sent to collections. They have called repeatedly but it's automated. I've just made a small payment every time they send out a statement for payment. I pay what I can because I don't have the full amount. Even though I've sent in what I can afford to pay they've sent it to collections anyway. I've tried returning the call only to be on hold 25 minutes or longer. It gives you the option of receiving a call back when someone is available. The problem is " a person '' never calls back. It's always the automated system looking to collect. So today ( XXXX XX/XX/2021 XXXXEST ) I called the collection agency because the letter says to call if you dispute within 30 days. That went nowhere. So I'm doing this as a next step. Balance {$450.00}

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Suddenly received an email of " final notice '' in XXXX XXXXfrom XXXX XXXX XXXX! Wondering what it was for, I called the customer Service and she said it was adjustment from combining my wireless and internet service! I decided to pay the {$37.00} right there and then! 

A few days ago, I received a correspondence from Credence, a collection company that I owed XXXX XXXX XXXX {$37.00}, AND MUST MAKE ARRANGEMENTS TO PAY! The letter was dated XX/XX/XXXX for the bill I paid on XX/XX/XXXX! 

I called to let the Collection company know it was an error that I did not owe XXXX any more and that, the amount indicated was paid back on XX/XX/XXXX! The guy at Credence, XXXX XXXX, was of no help! 

I decided to call XXXX XXXX XXXX. I spoke with XXXX, but he too could not help to locate the payment but indicated that I had XXXX balance as of today on my account. 
I decided to chat with XXXX in their chat service because it takes a whole day to speak with a live person. 

XXXX did say it was a " pending amount ''! I said how could a pending amount yet to be paid be sent to Collection! He could not help either! 

I combined my wireless account and mobile accounts into one withXXXX on XX/XX/XXXX at their billing department! I also spoke with XXXX  on XX/XX/XXXX about further issues with the account! XXXX was able to successfully combine the accounts and provided me one account #! 
XXXX XXXX XXXX is charging me to pay again the account I already paid which was acknowledged in an email sent to me! The collection company indicated it was for XXXX XXXX XXXX XXXX XXXX! I haven't had TV service with XXXX XXXX XXXX since XXXX! Iseem to spend my days off calling XXXX XXXX XXXX for one problem or the other! 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: First Loan Choice
State: MI

Complaint narrative:
This company has been calling everyday and after I have talked to them they send emails. Im tired of harassing calls. Two emails XX/XX/XXXX and XX/XX/XXXX after I had just talked to them. They will at least twice a day.After I got the money I looked and seen how much interstate they were charging, which was bull XXXX 4x I pay back what I borrowed

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 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Due to loss of income from the COVID pandemic, I utilized the forbearance option with respect to my mortgage from XXXX of XXXX until XXXX of XXXX. 

While trying to negotiate a modification with M & T Bank, I have been unable to submit my Borrower Financial Report, which includes a summary of my entire financial situation, as well as statements for all of my bank accounts and paystubs for multiple family members, it is a treasure trove of financial information and should be treated with utmost confidentiality by a financial institution. 

I have tried to mail it but after two weeks they claim that it has not been received, and due to this reason, I will need to deliver it in an expedited manner requiring electronic delivery. The only other delivery options available are to ( a ) fax it, which requires the additional expense of using a third-party service ( who will retain a copy ), or ( b ) to e-mail it. Either of these methods leave my financial data exposed and easily accessible to hackers. 

Time constraints will require that I compromise my financial information in this manner and I am shocked that a large bank does not have a means of securely delivering confidential information available. I am gravely concerned that in this day and age a financial institution is requiring the delivery of sensitive financial documents containing Non-Public Personal Information by such insecure means. I am certain that they are a ripe target for a data breach.

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Some 1 paid me with a closed account on their company check and it froze my account for XXXX dollars. When I tried to repay it they sent it to a creditor and they are unreachable to resolve the issue, this happened in XXXX. And now I can't open my business account im on my wife 's account but unable to open my own.

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 non-monetary relief
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( XXXX  / equifax ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: CT

Complaint narrative:
On XX/XX/2021, I received a collection notice from FBCS , Inc, stating that I have an outstanding balance of {$380.00}. I called FBCS , Inc immediately to resolve the issue as I satisfactorily settled this account a couple of years ago. I explained to the representative the account 's status, and she suggested that I provide proof of the paid account from XXXX XXXX. 

I contacted XXXX XXXX and was emailed a paid-in-full receipt for the disputed account. I subsequently forwarded the same receipt to FBCS , Inc at their email address : XXXX. The FBCS , Inc representative, acknowledged receiving the paid in the full receipt as proof. 
Today, XX/XX/XXXX, I received another collection notice from FBCS , Inc, similar to the first notice. Additionally, this notice required one of three stated methods to verify that I satisfactorily settled the account. Please note, the email I forwarded to the collection agency contained all three required methods of proof. 
. 
The representative I spoke with today insisted that I still owe the collection agency {$380.00}. I forwarded to his agency the fully paid receipt from XXXX XXXX. I asked him to verify that he received my email. He responded that he couldn't open the email. He said that my dispute would take about ninety days to resolve, but I can settle the account today for the balance of {$380.00}. I suggested that his agency contact XXXX XXXX to confirm that they received full payment from me. He did not balk at that but tried sutle and gentle pressure to get me to pay {$380.00} today. 
From my knowledge as a XXXX ( XXXX XXXX XXXX ), I knew what he is practicing was unfair. 
I then demanded that he give me his name and employee number. He suddenly went into an incoherent disclaimer for minutes at a time. At the end of his disclaimer, I insisted that he give me his name and employee number. He finally gave in to my insistence and gave his name as XXXX XXXX with an employee number as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis associates made a payment place with. Me about a bill I allowed them to take money out of my checking on the XXXX each month and the left a payment of XXXX dollars on and put it was seriously past due when they been taking out there payments which balance was XXXX bucks and I called them and submitted the last payment and the have not put out proper on times payments instead the deliberately put negative stuff on my report and when I made final payment on phone they ask me personal infor I refused to tell them and they put more stuff on my credit report which is damaging my score its unfair I made a payment plan with them and the did not take out the last payment XXXX bucks which I called on the phone and did it that way and I have all my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX FKA XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. Acima Credit XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A debt collector called me on XX/XX/XXXX at XXXX XXXX  attempting to collect on a debt that I have no knowledge of. This woman proceeded to threaten me with charges of Malicious Intent to Defraud a Financial Institution, which is a criminal case, not a civil case. 

Not only that, but this debt is allegedly from XXXX ; 13 years ago and puts me at the age of XXXX or XXXX years old. 

I called back on XX/XX/XXXX at XXXX XXXX  to investigate who the company was, and the same woman answered and was extremely rude and said her company name so fast that it was incomprehensible. She then immediately disconnected the call. 

As per the FDCPA : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Specifically, 805 d section 1 : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 806

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 non-monetary relief
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( transunion / XXXX  ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.

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 2021-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I XXXX XXXX account # XXXXcustomer of Shellpoint Mortgage Servicing. Find myself obligated to request a response to my questions. Since I had tried the website and the telephone systems and as of today XX/XX/XXXX I still not receiving any acknowledge or proper response to my questions. As a customer of this company since XXXX, I find myself in a little dilemma about my payments. On XX/XX/XXXX as always I was sure my mortgage payment gets on time to this company. I had ordered for an ACH thought XXXX XXXX XXXX XXXX ( XXXX ). That ACH for a value of {$2300.00} was received and accepted by Shellpoint Mortgage Servicing on XX/XX/XXXX with a confirmation trace # XXXX.Shellpoint Mortgage Servicing called me on XX/XX/XXXX asking me to submit another payment. I would like to note that this company its extremely aggressive and demanding when it does come to collecting this money.Shellpoint Mortgage Servicing told me over the phone on XX/XX/XXXX that I was late, and I must pay my mortgage in order to avoid late fees and bad credit bureau reports. Supersized by this incident, I had no choice to re-pay this again. By that time my records were already annotated with defamatory comments about being late. Shellpoint Mortgage Servicing supposedly avoided my late fees. I tried to explain to them that I had never been late in any mortgage payment and that I had sent my payment over an ACH on XXXX XXXX. ( that paymet was for the XX/XX/XXXX XXXX Payment ). 

I went ahead and repaid my mortgage, I was asked to load up a letter on this very poor website on XX/XX/XXXX proving that XXXX in fact submitted that ACH. I did and I was supposed to wait three business days for a response. Those three days went by and no response and or email. In fact my letter and my email dispensary form my account. ( This web portal its extremely bad ). 
I decided to call for the third time, and I was told that Shellpoint Mortgage Servicing received my letter and my request, but they were working on it. 
As of today XX/XX/XXXX. No response to my questions, no knowledge where my money that I had paid t Shellpoint Mortgage Servicing went. When I owe money to this institution they demanded in a very aggressive way. But now that I have an issue, they took my money and refused to clarify this issue. 
I was lucky I had money in the bank otherwise, my records were damaged, and my account still delinquent with bad derogatory comments. 
I would like to get a response, I want my derogatory comments to be removed from my records, because I wasn't late. I want a full explanation of this mistake. 
I want my records clean and clear please. See letter from XXXX for the ACH transaction dated XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express serve emails me and say that my disputes that I have filed for XXXX USD that they r not liable for cause I violated a customers rights and had to many other cards that's not my fault that people have had cards in my name and they put my funds on someone else card and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: WA

Complaint narrative:
After requesting a payoff from my loan servicing company, SN Servicing Corporation, I discovered an error. The payoff included an interest bearing principal balance of {$190000.00}, and two additional " other '' fees, which were further identified in the payoff detail as a Prior Servicer Corporate Advance in the amount of {$36000.00} and Forbearance Principal in the amount of {$36000.00}. Per my original loan modification agreement in XXXX, there was a deferred principal balance of {$36000.00} and ( at that time ) an interest bearing principal balance of {$210000.00}. Since signing the loan modification agreement I have stayed current with my payments and at no point did I agree to, or sign for, any additional changes to my loan agreement. I notified SN Servicing Corporation of my dispute of the Prior Servicer Corporate Advance fee, in the amount of {$36000.00}, via certified letter on XX/XX/XXXX asking them to investigate the error. I received a letter back on XX/XX/XXXX stating SNSC would look in to it, but have not received any follow up since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
There are fraudulent accounts showing up on my credit reports.

Company response to consumer: Closed with explanation