vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  via the XXXX Network ( XXXX XXXX  ) issued a {$400.00} retail card funded by the XXXX Temporary Risk Corridor Program in XX/XX/XXXX. I activated the card, but the mailer I have kept did not indicate an expiration date, nor did the XXXX site mentioned and listed on the card. The website showed the expiration date as XXXX/XXXX/XXXX, and I also called XXXX, and they confirmed this was correct. I have not yet been able to use the funds, and checked the website XX/XX/XXXX to find a new banner since the last time I checked the website saying all cards had expired XX/XX/XXXX, and the funds were zeroed out, status : Closed - Member is no longer eligible. I called again to be told the program was " retired '' and I would have to call after XX/XX/XXXX to receive a refund check via mail. The agent said mailers were sent out to explain the program was retired, but did not say when, and I am certain one was not sent, as I have USPS digital tracking on all mail. A separate FAQ was created on a separate XXXX page that now mentions the expiration date, but this was not mentioned by any document or communication prior. I feel XXXX did not mention the expiration date in the mailer, misinformed of the expiration date when called, and the expiration date show as XXXX/XXXX/XXXX on the XXXX site to mislead customers, and now many of us have lost these funds because of it. I feel XXXX issued the funds on the cards with this intention, and with the intention to retain the funds. On XX/XX/XXXX, the XXXX  complaint respondent, XXXX XXXX, provided no additional information, could not answer any questions regarding the matter, and offered no further resolution, other than continued follow-up at an undetermined date. She had decided her responsibilities were only to confirm mailers had been sent out in XX/XX/XXXX, after XXXX had changed the terms from no expiration date to expiration on XX/XX/XXXX, and to confirm that refunds would be issued after XX/XX/XXXX through an unknown process that may or may not require further contact. I feel she had no concern or interest that XXXX had violated the federal XXXX Act, requiring a minimum of 5 years before expiration of retail cards. She indicated she had forwarded my concerns to their compliance division, but provided no other details or contact information. Again, I feel XXXX intended to retain a portion of these funds through a process of misinformation, change of terms, and failure to communicate recourse to its customers. A total of {$200.00} XXXX was provided by the XXXX Temporary Risk Corridor Program for these retail cards, and now an unknown number of customers and unknown total amount has not been provided because XXXX has " retired '' the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: LEXISNEXIS
State: IL

Complaint narrative:
I contacted LexisNexis to have me removed from there system XX/XX/2021, than I contacted the XXXX XXXX XXXX XXXX  to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and was sent a letter that simple says, " After an investigation of the data in question, LexisNexis verified that the bankruptcy case # is accuraetly reporting on your LexisNexis RiskView report '', they will NOT provide the source as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
I submitted a complaint to the credit bureaus about a fraudulent collection account on my credit report I have no prior knowledge of this account and also this account has not been verified I was doing some research and was told that if I submit a complaint to the bureaus and it has been more then XXXX days then this collection account most be removed which it has been

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I had a visa card with XXXX XXXX XXXX XXXX I paid the balance in full by ach back in XXXX of XXXX the account was paid in full and I closed it. 2 months ago I was contacted by National Credit Adjuster on Behalf of XXXX XXXX XXXX trying to collect {$400.00} on this paid/closed account. I have tried multiple times resolve with NCA directly, provided copy of my bank statement etc. as proof of account paid. They refuse to remove the error from my credit reports. Another oddity is that they contact me in my former married name of XXXX, I opened the account in my maiden name of XXXX, I have tried to resolve with credit card company directly and am unable to speak to someone above a low level basic customer service level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have an old Riverside Bank home equity loan which TD Bank is now the receiver of such and was assigned the loan. I started reaching out to them recently, on XX/XX/1922, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX & XXXX to get a release of XXXX on the old XXXX account and nobody has responded to me or my title company. I am doing a home refinance and this is holding up things. I keep getting transferred to various departments and nobody seems to find anything on my old loan. If they cant locate the records they need to provide me with a release of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Transunion credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

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 2021-12-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America credit card from XXXX8 was opened in my name. It went into collections to XXXX XXXX XXXX XXXX XXXX I was never given any mail or calls regarding this! One day about XXXX years ago I noticed my paycheck was much lower and found out my paycheck was garnished! And Ive been fighting ever since and have gotten know where!! Help!

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 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
mr. cooper mortgage company has taken incorrect amounts out of my escrow account for my XXXX XXXX 's XXXX as well as for my yearly taxes- as you might imagine, for way more than they were supposed to. 

I've contacted mr. Cooper via phone and chat now well into double digits and every time it's just more lies and deceit. My insurance company ( XXXX XXXX  ) threatended to cancel my policy due to lack of payment bc mr. Cooper didn't pay it out of my escrow account as promised. I contacted those XXXX and they told me we sent a check, oh well that its been a month and might bc lost. 

I kept getting jerked all around to departments without help. I was told that the payment was stopped and that they would send a new check. Finally, the check made it to XXXX in time before losing all of my insurance but then the first check is still lost. mr. Cooper refuses to cancel it and now my escrow account has a negative balance. They refuse to help of pay me the money that they stole from me. They haven't verified anything with me and just steal my hard earned escrow money. 

Additionally, they overpaid my yearly tax amount XXXX XXXX as well. I have letters proving the amount and they overpaid that w/o asking me before hand or verifying anything. They keep blaming XXXX XXXX and now the county- telling me that its my problem and figure it out with them. Meanwhile, my escrow account has a negative balance and I can't afford to pay for anything going forward because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I checked my credit on XX/XX/21 after receiving a call about a month regarding a debt owed to XXXX XXXXy however the call was made by I.C. Systems INC whom I have never heard of or previously spoken with. I tried explaining to the XXXX that I was a victim of ID Theft due to XXXX data breach and/or my purse being stolen before. I had already sent this information to XXXX and as a result, all three bureaus deleted the account from my credit report. Now, here it is I am having to do this all over again. This company is trying to collect on a debt that I do not owe.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis XXXX XXXX XXXX is providing false and damaging false information on me to my XXXX companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I tried talking to someone 2 days before my sale date of my home. The company told me my house was up for auction in 2 days there was nothing they could do. The company failed to give me a scheduled hearing before the sale or auction of my home. I also received a letter this past week stating that they received a upset bid as well that was received in the county clerk of court office. I tried calling the company and their lawyer office as well and have not received a return call from either one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, NewRez LLC DBA Shellpoint Mortgage Servicing indicated a payment was made from escrow to pay my School Real Estate Tax at the discounted rate {$3900.00}. This payment was reflected on the monthly mortgage statement that I received. 
In XX/XX/XXXX, while I was in the process of streamlining my VA Home Mortgage, I received a letter from the tax collection agency indicating that my XXXX school real estate taxes had not been paid and would be considered delinquent as of XX/XX/XXXX. The tax due was now at the penalty rate of {$4300.00}. I called the tax collection agency and provided them the date, payment amount and name of the mortgage company. However, they were unable to locate the payment and insisted the mortgage company needed to provide payment details. After numerous calls, Shellpoint provided me with a Batch ID #. The tax collection agency was still unable to locate any payment and asked me to have the mortgage company call them directly. I made numerous calls to Shellpoint for them to contact the tax bureau and get the issue corrected. 
I completed my streamline and my Shellpoint mortgage was satisfied. I received a check from Shellpoint dated 4/19/21 for the {$3900.00}. I contacted the tax bureau and they confirmed my taxes were still unpaid. I contacted Shellpoint to question the check I had received. Shellpoint indicated that they had just received a refund on my account for that amount. I explained that the real estate taxes were still unpaid and they needed to pay the full amount due to the tax bureau. I have never cashed the check sent to me by Shellpoint and it is now stale dated. The tax bureau still indicated that my taxes were unpaid and I contacted my attorney. The attorney mailed a letter on XX/XX/XXXX. My attorney has never received any response to the letter. 
Today, XX/XX/XXXX, I have received another delinquent tax notice indicating that {$4700.00} must be paid in full or further actions will be taken beginning with a Notice of Sale in XX/XX/XXXX and ending with the Sale of my home at XXXX on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: FL

Complaint narrative:
I am filing this complaint against Equifax, XXXX and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NV

Complaint narrative:
On XX/XX/XXXX I called direct express about some unauthorized charges on my account and they said that they were cancelling my card and sending me out a new card so I updated my mailing address with them and they charged me a {$4.00} card replacement fee plus {$13.00} expedited mailing fee. I was supposed to receive the new card on XX/XX/XXXX but when I checked with the office on XX/XX/XXXX I discovered that I never received the card. So I contacted direct express again since I didn't receive the new card. They informed me that they would re-issue me another new card had me verify my mailing address which I did and again charged me a {$4.00} replacement card fee and {$13.00} expedited mailing fee. Unfortunately I never received that card either and spent almost an entire day trying to track down the ups driver who delivered the card which finally he came back to my house and informed me that it was delivered to the wrong space number as that's how it was addressed as well as the previous package by the shipper. So again on XX/XX/XXXX I contacted direct express and was really upset and asked them don't they even check and verify that the address is correct when they ask for it? They said they are supposed to yes. They apologized for the inconvenience and corrected the space number and again re-issued another card which again I was charged a {$4.00} replacement card fee and {$13.00} expedited mailing fee but was guaranteed that all charges would be reversed not to worry. I just contacted direct express to find out the status of the charges being reversed and was told that the requests were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Financial is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am awaiting all correspondence requested to validate the alleged debt, I have also request that Discover Financial cease and desist all communications in regards to the alleged debt and report all accounts with any credit reporting agency as positive in regards to this alleged debt until I receive proof of and have conducted a thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I would like to file a follow up complaint in regards to Select Portfolio Servicing 's ( SPS ) 12 page response to my original complaint, on XX/XX/XXXX. I was told by SPS that I would be continually given repayment plans, and/or, a loan modification until my loan was brought current. Over the last four years I have paid over {$100000.00}, on time, to SPS for a home that I originally purchased for approximately {$130000.00}, not including 12 years of mortgage payments prior to that. After completing my fourth repayment plan in four years I am being told there is a balloon payment of approximately {$39000.00}, which was not on the original repayment plan they sent me on XX/XX/XXXX. SPS has sent CFPB a copy of this repayment agreement showing absolutely no balloon payment due at the end, which went from XX/XX/XXXX to XX/XX/XXXX. I recently contacted SPS, I spoke to a representative named XXXX, about this matter. After putting me on hold several times trying to make sense of what was going on with my account, I was told she couldn't figure it out, that a Relationship Manager would call me within 24 to 48 hours, ( which did not happen ), and also she said that I should make a payment for XXXX in the same amount as my previous payment amounts, even though I have no confirmation of a new repayment plan. I am completely confused and at a loss to know what to do or what SPS is going to do about this. It is my fear that after paying over {$100000.00} of repayment plan payments on time, for four consecutive years, I am in jeopardy of losing my home due to misleading information from SPS. They constantly mislead me, changed what they said, and have not kept up their end of the agreement. Since XXXX I have repeatedly requested, and applied for a loan modification, and have been consistently turned down for the past 9 years, with no rational explanation as to why, other than the XXXX Bank will not allow it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation