vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2017 i was about to take out a SBA loan and i got a message that i have some sort of collection on my business I had no clue what it was so i called and they said that its for a bill from XXXX  XXXX, i didn't remember not paying or anything BUT i didn't have even the time to investigate so i just paid the {$540.00} just to get over it ( see attached sheet ) Now is 2 years later ( i'm thinking to renew my loan ) I went to check my business report and its still there as an unpaid Balance!!!!! 

I also don't commit not to sue the company for the highest amount possible for damages of all kind

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Several months ago I filed a complaint with you against a mortgage lender who advertised an attractive rate then when later it disclosed points that made going forward unattractive we were charged with their " preparation '' expenses. If this is not deception I do not know what is. So far you have not even acknowledged the complaint let alone done anything about it. If this is how you protect consumers we are all undone. Thanks a lot for nothing and XXXX  XXXX to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 HSBC Nevada N.A. ". I have only had three credit and merchant accounts in my life and HSBC was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted XXXX where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
HSBC Nevada is apparently no longer in existence as I did try to reach out to them to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX police department has not received any request from Midland for the police report they needed to resolve this identity theft in my name. XXXX police report # XXXX is available for them to request to clear this judgment in my name and remove the levy that was placed on my XXXX XXXX account. 


My identity was used to obtain and improperly open a credit one credit card account back 2012. I filed a police report back in XXXX in 2012 in regards to identity theft and my home being broken into during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: Cedars Business Services, LLC
State: NM

Complaint narrative:
On XX/XX/19 at approx XXXX XXXX  MST, I called Cedars Business Services to ask who " XXXX XXXX XXXX '' was and spoke to XXXX XXXX. XXXX said this company also goes online as " XXXX '', I believe. I was afraid to go online to research them. 

I've NEVER done business with this company, nor have ever used their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: ID Analytics, Inc.
State: TX

Complaint narrative:
This company Sagestream Stated in the response to my previous complaint that The documents I sent them via Fax did Not match my identity documents that were sent. I am attaching the SAME documents that I sent Via fax to this complaint so that the record shows they were correct, seems like they are toying with me at this point and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Loan Care is holding insurance claim money in escrow due to my house burning down in XX/XX/XXXX. My loan was through XXXX XXXX, but it was sold to Loan Care after the rebuilding process had started. I submitted all of the required documents for the insurance claim to Loan Care including the Contractor 's  bid on XX/XX/XXXX, the approved building plans on XX/XX/XXXX and a copy of the building permit issued by the county on XX/XX/XXXX. Loan Care was supposed to disburse 50 % of the funds that they are holding in escrow to my contractor once they completed a 3rd party inspection proving that the rebuild was at least 50 % complete. That inspection was accepted by Loan Care on XX/XX/XXXX and it was determined that the rebuild was 60 % complete. I called on XX/XX/XXXX and was told by XXXX that the draw for 50 % of the funds was requested. I called again on XX/XX/XXXX to be sure that it was moving through the process and I was told by XXXX that the draw had been canceled because Loan Care never approved the rebuild of the house. It was never at Loan Care 's discretion to approve the rebuild since the construction began when the loan was being serviced by XXXX XXXX. Loan Care is now refusing to disburse funds based on the notion that the didn't approve the rebuild even though the accepted the plans and the contract to rebuild months ago. They also already disbursed funds to pay the architect and the septic engineer. My contractor is going to cease construction unless I get them a disbursement of 50 % of the money in escrow by XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I made an ESCROW payment of {$1300.00} on XX/XX/2019 to Bank of America. Bank of America placed the payment of {$1300.00} towards the Mortgage amount INSTEAD of the ESCROW account. Now Bank of America is trying to raise my Mortgage Monthly payment to make up for THEIR discrepancy and error. They are practicing Predatory Loan processes and trying to make my Monthly Mortgage Payment to an unreasonable amount that would cause me to lose our home. Bank of America is a greedy bank with no soul and do not care if we lose our home. Bank of America has attempted this in the past with my daughter who was an XXXX Veteran and caused her to XXXX XXXX. Now after her death Bank of America resumes to practice their Predatory " lending '' practices with me, despite my daughter paid the ultimate price for our home she deeply wanted for her family that she worked so hard for. I pray that you can help our family keep our home. We have been paying Bank of America the every Monthly Mortgage Payment ( s )  since my daughter passed away. 
I want them to leave us alone and quite trying to take our home away despite the fact that they're getting paid on a timely basis. When our equity gets at a high point they charge us phenomenal fees in order to make us get behind and they have succeeded in the past with my daughter. I want them to be honest in honor of my daughter and place the payments they have received in their correct accounts and quit making up more made up fees in order to keep us from catching up on our mortgage in order for them to take away our home. 
XX/XX/2019 I spoke with Bank of America Customer Service personnel by the name of " XXXX ''. He stated they have approved my request to put back the escrow payment I made XX/XX/2019 of {$1300.00} into my escrow account. XXXX also informed me that there was another amount of {$1400.00} that was also deposited into my escrow account recently from mortgage payments. With the {$1300.00} + $ XXXX= {$2700.00} TOTAL was deposited back into my escrow account. XXXX then preceded to tell me that my monthly mortgage payment would still be increased from {$870.00} to {$1000.00} despite the original requested payment of {$1900.00} was paid in full and then some. I truly believe Bank of America has been doing this all along and has purposely caused my deceased daughter 's escrow and/or mortgage payments to continually rise to a point she XXXX XXXX. My daughter was an XXXX Veteran and had many XXXX  ( XXXX ) issues along with medical issues due to her XXXX in XXXX XXXX. I refuse to allow Bank of America to proceed practicing their predatory loan practices after what they contributed to my deceased daughter 's XXXX. Please help our family keep our home my daughter fought so hard for. Thank you. 
Mother of XXXX XXXX XXXX ( XXXX XXXX ) 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 2019-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
This is regarding Navient. I have repaid all student loans as of XX/XX/2019. There is a XXXX  balance, yet Navient still lists the loans as being in repayment. I have called and emailed numerous times for written confirmation that my loans are repaid in full, to update the status as being repaid, and to close the account. They have not done so, nor have they reached out to me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America in order to ask if requesting a credit line will trigger a hard or a soft credit inquiry, since I have read an article online that Bank of America switched from requiring hard checks to just perform a soft check. The person than answered, XXXX, put me on hold for a minute to check since she was not sure what kind of check it is performed. She came back on the line and since a check is gon na be performed, to which I specifically asked is it a hard or soft check, she stayed silent for a second or two and replied it is gon na be a hard check. Her response did not sound very convincing from what I read on the article. Then she asked me if I wanted to proceed with the credit line increase to which I declined since I do not believe it is necessary for Bank of America to perform a hard check since they have more than enough information about myself being a customer for many years, having perfect payment history and plus since they perform soft checks on my credit report periodically. She then went on to say that it is the policy and that other banks do the same. I replied that it might be their policy but it is absolutely not true other bank need to perform hard checks for line increases. I have requested multiple increases from other banks and they were all granted without the need for a hard check. She then said ok have a nice day in condescending tone of voice. After that I requested to speak with a supervisor, she claimed the supervisor was not available and if I wanted to leave a voicemail. It is really surprising that such a big corporation like bank of america does not have supervisors available during the day.

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 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
A deposit was made into my checking account on Wednesday, XX/XX/XXXX using the XXXX pay app and I received an email & text from the bank informing me of this deposit. 

The deposit was in my account Wednesday XX/XX/XXXX & Thursday XX/XX/XXXX. But all of the sudden, Friday XX/XX/XXXX morning my deposit had disappeared and they have no record of it. Ive been having a lot of problems with this bank not posting things correctly. I went down to the XXXX Bank of the West branch and spoke to XXXX and showed him my proof of deposit. Ive also spoken to XXXX, XXXX & XXXX from the Bank of the West dispute department, and I was told deposit it would be there on Saturday or Monday. 

On Monday, XX/XX/XXXX, money was not there and again I went down to XXXX branch and was told that it is still being researched and No date was given to when it would be available. I called again today Tuesday XXXX and was told there is no resolution as if yet. This is situation has been extremely stressful & frustrating. 

If you can help me get my deposit of {$70.00} back, I would really appreciate it after that point I will be closing out my account and not dealing with this bank any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Predatory lender " loancare '' continues to send threatening letters regarding HO6 insurance policy, claiming that the said policy has expired. It has not expired. This is an attempt to sell insurance at inflated cost ; cram and scam.

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 2019-12-24 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. THOSE ACCOUNTS HAS CAUSED SO MUCH DAMAGE TO MY NAME WHICH HAVE CAUSED DENIAL OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED. KEEP IN MIND THAT I AM NOT LIABLE TO ANY OF THE DISPUTED ACCOUNTS.

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 2019-12-24 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: GA

Complaint narrative:
I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Manley Deas & Kochalski LLC
State: IL

Complaint narrative:
Was wouking with XXXX XXXX and they decided to get attorneys involved. I received a letter from them on XX/XX/2019 and responded the vary same day with a Certified Letter. I never heard back from the company until last week when I called and spoke with an attorney named XXXX. XXXX claimed that they did receive my letter and replied on XX/XX/2019. I have never received any such communication from the company. I asked for a copy of your letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I setup auto payments for my honda auto lease and paid every month the way i should. 

After my account was closed and FULLY paid off honda assessed additional fees but failed to notify me. Even those fees were later negotiated and then i made another payment for new fees assessed. these fees were never late as i paid my full lease agreement every month. 


Honda reported a 30 day late to all 3 credit bureaus without notification and while they were still negotiating the lease end fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24 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: TX

Complaint narrative:
To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX 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 2019-12-24 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:
To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations.

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile.

3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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:
To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX 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 non-monetary relief