vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Refinanced primary residence on XX/XX/XXXX and loan was paid in full. 
Dovenmuehle Mortgage company auto-drafted loan payment on  XX/XX/XXXX after loan was paid off. 
Called Dovenmuehle on XX/XX/XXXX to inform them of the extra payment & the escrow amount owed. They told me the checks would be cut in a week and then placed in the mail ( 7-10 days for delivery ) Called Dovenmuehle again on XX/XX/XXXX. Again, they told me the checks would be cut the next week and then placed in the mail ( 7-10 days for delivery ) Received Mortgage company checks for the  escrow amount on XX/XX/XXXX but NOT the additional mortgage payment Called Dovenmuehle again on XX/XX/XXXX to inquire about the remaining balance ( {$3500.00} ). Company placed another work order and  assured the check would be cut on XXXX and mailed. 
After no check was received an no activity on the account, I called on XX/XX/XXXX and spoke to a supervisor. He told me the previous 3 work  orders were done incorrectly and assured me that the money could be wired later that day. I submitted a voided check at XXXX with the routing information. 
After no funds were wired as of noon on XX/XX/XXXX, I called the company yet again. The company says they can not wire the funds for 5 days. 
According to XXXX escrows should be paid in 20 business days. This has been over 30 business days with multiple attempts to resolve this with the Dovenmuehle customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Service Finance Holdings, LLC
State: CO

Complaint narrative:
Service Finance Company provided me, via my HVAC contractor, a loan for critical air-conditioning repairs during a 100 degree heat spell. The HVAC contractor did not fix the issue properly and Service Finance Co. initiated the loan prior to my final authorization-which violated their policy and contract requirements. Service Finance Co. subsequently started billing me and attempted collections-even though I had to hire a new HVAC company to complete the original work-and they understood that fact. They paid, erroneously, the original contractor for shoddy and incomplete work. Service Finance Co., after I initiated a complaint with them, decided to negate the contract and forgive the loan. I have numerous emails from them corroborating this. However, they continued to send me billing notices and did collection phone calls to me almost daily. They reported me delinquent to all three credit reporting agencies-and after months of trying to correct the situation, Service Company has not been responsive or living up to their agreement. The credit agencies won't budge either. I need assistance getting Service Finance Co. to correct any and all negative information with the three ( 3 ) credit reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull Equifax and XXXX, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact XXXX ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with XXXX.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with XXXX  and Equifax was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a )  that's not correct and ( b ) law permits me to get it weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I called ABILITY RECOVERY SERVICE on XX/XX/2020. To request validation of debt.

.which is showing on my credit report as being opened on XX/XX/2020. which is incorrect. I requested original creditor name, contract signed, and the amount of debt.

I received no response. On XX/XX/XXXX I disputed this debt with credit bureaus ( XXXX, XXXX, and XXXX  stating needed original creditor, and validation of debt. XXXX responded on XX/XX/XXXX stating debt remains and its listed as accurate.

Account Name ABILITY RECOVERY SERVICE Account Number  XXXX Date Opened XX/XX/2020 ( incorrect ) Status Collection account. {$2000.00} past due as of XX/XX/2020.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account is from 2005 and should be removed 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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is from 2005 and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account is from 2005 and should be removed 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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?

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 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRSTBANK
State: CO

Complaint narrative:
I opened several bank accounts ( personal checking, savings and also a business account ) with Colorado First Bank on XX/XX/2020 and was also approved for a credit card that same day. 
On roughly XX/XX/XXXX I logged on to my online account and saw the credit card account ( which I had not even received yet ) had  charges on it $ ( XXXX ). I called the bank, cancelled the card and filed a claim. I received 'provisional credit ' on XX/XX/XXXX and was fully refunded on XX/XX/2020. 

Just a few days later, I signed on again to monitor my account and noticed that my bank account had been drained. I once again called the bank, filed a claim and answered all the questions. I had possession of the card so this seemed really odd and absolutely terrifying. How on earth was this possible? There were charges amounting to {$2600.00} and there was even a {$400.00} withdrawal at one of their ATMs. I got very little reassurance from them. I was told they would investigate and let me know. A few days later I was told that I would not be refunded because the debit card was in my possession. They didn't even try to investigate! Most of the purchases were made in person ( surveillance? ) and at the very least, the ATM was at one of their banks so they could have checked their camera 's. Instead, they closed all of my accounts without my knowledge, business account and savings too ( they were unaffected ) and a letter stating they would be reporting me to the credit agencies for 'Misuse ' of my account.

CRIMINALS! So now I've been victimized by the bank too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: OK

Complaint narrative:
Have been receiving letters and phone calls from Phoenix Financial Services claiming I owe a medical debt. I called Hospital and am in good standing with the Hospital and do not owe the {$930.00} debt they are trying to claim. So called Emergency Services of Oklahoma XXXX in  2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE 2 : XX/XX/2020

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 2020-10-14 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: T.S. Holdings
State: CA

Complaint narrative:
I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX am regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX # XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX XXXX  about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The law says, " When consumers request to lift the freeze by phone or online, the credit bureaus must take that action within one hour. '' Experian has an option for phone and online lifting of freezes. For both, after providing the social, unlock pin, and all the other details required, they direct you to mail the request to them. There is no indication of why the phone/online request failed. The mail request asks you to include half a dozen pieces of identification.

I believe this is in breach of the law requiring them to offer phone or online service with 1 hour turn around. I need to get electricity on in my apartment and it's ridiculous to have to mail in an unfreeze request. I believe this may be a malicious attempt on Experian 's part to force customers to use their paid freeze/unfreeze services. 

What options to I have to redress this? Is there a class action suit to join?

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 2020-10-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
my Equifaxhas incorrect information .I did not have any delinquent bills with XXXX XXXX XXXX, XXXX $ XXXX creditor : XXXX XXXX I did not live there during this date its incorrect and needs to be removed. Its also illegal to put rental on a credit report during covid-19 during this time I was not living there and owned a house starting in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
in XX/XX/XXXX I fell behind on my Mortgage payments and by the grace and favor of XXXX was able to get caught up by making a lump sum payment of nearly $ XXXX in late XXXX XXXX However I have falling behind again and have sought assistance from the Mortgage servicing company " Fay Servicing ''. They initially told me in XXXX that they would give me a Forbearance yet never did until XXXX, allowing me to skip one month and our demanding the I cure the balance of {$4900.00} by XX/XX/XXXX. On top of that I believe their obligation to adhere to the " Truth and Lending Act of 1974 '' and " The Financial Modernization Act of 1999 '' has been violated. For a few months now there have been individuals driving pay the house, stopping in their vehicles and taking pictures of the house, one couple went so far as to get out of the car and take pictures, when I came out to confront them and ask them why, they nervously pretended to be taking pictures of the house next door, So I asked what hey were doing and the gentleman said he worked for a 3rd party but refused to show any credentials or identify a company. This also took place last year when I was behind, strangers stopping in the culdesac to take pictures of my house. An official filing of foreclosure was never submit to the county therefore the property being in destress should not be public information. Someone at " Fay Servicing " has shared this information unlawfully thereby violating the aforementioned | '' Acts ''. I applied for a modification review and was denied and received a 30 day Forbearance during a time which is unprecedented not only in our country but world wide. I am therefore submitting this complaint against " Fay Service '' for their unlawful practices allowing unauthorized access to my private information in order to help another profit from my hardship. This loan is not a ( G.S.E ) and may not fall under the full protection of the " Cares Act '' yet the willingness to offer reasonable assistance during these times has not been displayed by " Fay Servicing '' only a predatory demeanor and questionable method of operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.

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 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I wanted a net spend card because I moved into a new state and has. No identification for employment purposes. I asked a friend to order the card usinf her address but u never received my netspend cash app or pay pal card

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