vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX  is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. XXXX  is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I previously disputed this account on my credit report several times with the furnisher and Experian Per my the companies response for the last dispute I am disputing the following : 1. XXXX XXXX on my Account - Please Remove - Per the company 's response they said the following : a. XXXX no longer owns the account b. The Balance amount is incorrect on my credit report 2. XXXX says they mailed an intent to sale : NO DOCUMENTATION - REMOVE a. They have provided NO documentation to validate this b. No settlement was reached because I never knew received an intent to sale or a deficiency notice. 

3. XXXX is a predatory lender, they repo my car after missing 1 payment, they did not properly notify me of intent to sale or deficiency balance, because they have a long practice of selling the vehicle - repo the vehicle after 1 missed payment, reselling the vehicle again, then selling the debt. So they make more money on repo then an actual sale, which is why they repo my car after 1 missed payment.

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I deposited a check on XX/XX/XXXX into the ATM at Regions XXXX Branch. A hold was placed on the check because it was not endorsed by the mortgage company. I spoke with a bank teller who stated that the check would clear in 30 days. On XX/XX/XXXX the funds were moved to the back office. The hold can no longer be seen on my account. On XX/XX/XXXX I made an appointment at the bank inquiring about the funds. I was told I should hear something within a week. I heard nothing. XX/XX/XXXX I made another appointment. I was told I would hear something in 24 hours. I didnt. I went back on XX/XX/XXXX. I was called 2 hours later stating the check was returned to XXXX XXXX XXXX who is the issuing bank. On XX/XX/XXXX, I had my insurance company to trace the check. The check is still showing as cashed on 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 2021-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to access my credit reports twice for the last 10 days. I tried twice today and spoke to Experian Agent XXXX who advised only mail for reports and no access on line which is not fair to me when I have the right to access reports online free for 1 year until 2022 as a consumer. He alleged that there is no glitch from his end and that he could not remove block any block from XXXX XXXX XXXX for experian report . I was able to access all other reports except Experian which I need to access weekly at XXXX XXXX XXXX to ensure no one is accessing my report without my authorization as any other credit reporting agencies is allowing me

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In 2016 I filed chapter XXXX bankruptcy in the XXXX Federal Court and it was ordered closed and transfered by Court order to the XXXX Federal district. In XXXX of 2016 the XXXX Court ordered the case discharged and closed. For about a year I have been disputing with transunion who is reporting XXXX bankruptcy in the " Filed Open '' status and the XXXX bankruptcy as discharged. Transunion states it is their outside vendor " XXXX XXXX '' who is reporting to them that the case is open, but I obtained a case number for XXXX XXXX who confirmed that they are reporting " Closed and Discharged " XXXX XXXX furnished a direct number to the XXXX bankruptcy clerk who also confirmed that in the Federal database it shows " closed and transfered " Transunuion is still to date informing me that the XXXX case is reporting accurate as " Filed and Open '' and continues to claim it is " XXXX XXXX  " who is reporting to them " Filed and open '' I have given them 2 Federal orders from the judges who presided over the cases that the XXXX case was ordered closed and then an order from the XXXX Federal Judge that the transferred case was sent to his court and subsequently discharged and ordered closed, I also had my bankruptcy attorney submit to them on letterhead explaining the XXXX case being closed.. 

Transunion is still ... with all the evidence provided stating that they are reporting the accurate information as to the XXXX case being opened. 

I have lost my financing for a semi truck to operate my company and lost a contract due to a Bankruptcy that is inaccurate on my transunion report showing filed Open when it is federally ordered to be closed.

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am receiving mail from Bank of America in XXXX XXXX for accounts that I never opened I also received information about unemployment which I never filed for

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 monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent TRANSUNION an Affidavit of Truth, Cease & Desist, exhibits with circled violations that explains what law ( s ) they are violating, and an invoice asking for remedy. My first complaint was pretty much dismissed and I am still not being treated with respect. TRANSUNION is still illegally reporting on my report and that is messing with my mental help and credit score. I am not able to apply for credit cards because my score is so low.15 USC 1681b-Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.

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 2021-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and CAPITAL ONE BANK USA N with no successful resolution.XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I receive several calls throughout the day and night from Sequium. They never leave a message. I do not know what the calls are about because I do not answer. However, after discovering Sequium is a debt collection agency, I knew I was being targeted for something. I am confident I possess no outstanding debts that would warrant collection. I feel harassed and frightened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
They call me all the time, leave voicemails, but today in particular, they called me twice within 25 minutes while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Alum Financial, LLC
State: NJ

Complaint narrative:
To whom is may concern I was scammed through this company called Alum Financial they contacted me via email and phone stated they are a 3rd party company through the department of education they were telling me information that I would be eligible for a loan forgiveness program well long story short after speaking with this company, I received several emails from my service lender Federal Student Aid stating that i have suspicious activity on my student loan account. That my FED ID and password was changed without my consent. I called them immediately what happened they stated that this said company is not associated with the Department of Education that its a 3rd party company that trying to steal my money. I have been seeing it all over the internet with these companies. So i called Alum Financial telling them that I want to cancel all services with you they demanded money upfront for there services they rendered I stated what service did you render instead of misleading information. They have been harassing me nonstop threatening me that they will ruin my credit and garnish my wages if I dont pay them. I called XXXX XXXX services I asked them again why am i paying this company the lady on the phone stated that I Pay fed loan not them my loan is through them not this company XXXX XXXX stated that these companies have been reaching out to people to file paper work to get them In these programs but you can do this for free through there website. The money I would have been paying these people will not be going to my student loans that they take my money for there such business. I have proof of every person I have spoken to from all parties case numbers emails phone calls ECT. So I asked fed loan what to do they stated to reach out to file a complaint change all my banking info that they may have to take money. Also when you look up them on XXXX  they have all terrible review how there fraud and also states the site may be hacked.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Last month, on XX/XX/XXXX, I filed a complaint regarding my escrow overage and property taxes ( XXXX ). In the companies response, they stated that they have processed my account as tax exempt and updated the escrow. On XX/XX/XXXX I sent a message stating that a refund in the amount of {$940.00} was mailed from the taxing authority and asking how long it would take to process. I received no response. On XX/XX/XXXX the mortgage company received a refund for XXXX property taxes in the amount of {$940.00} from XXXX XXXX. Instead of refunding the overage to me, which they stated they would do, they put the money into escrow. I was informed that they will not refund the money to me until they receive the refund from the other two taxing authorities. I informed them last month that I already received the money as it was sent directly to me. I informed them of this again today and was still told that they are waiting on it and the research team will follow up on XX/XX/XXXX. 
This is message I received : The tax lines have been updated with your Full Tax Exemption for the XXXX and XXXX tax years. A refund in the amount of {$940.00} was received from XXXX XXXX for the XXXX tax year, installment. The funds were placed into the escrow account. We are still pending a refund from the tax office to be placed back into the escrow account for the remainder. The next follow up will be XX/XX/XXXX, nearly three weeks after receiving the money. Enclosed is a copy of the Escrow Account Disclosure Statement, generated on XX/XX/XXXX, for your records. 

Even though they acknowledge that I am tax exempt, they are refusing to refund the money. Again they are violating RESPA section 10. They are intentionally and knowingly creating an overage in my escrow account and refusing to process the refund of the money again. I do not understand why it is such a difficult process to have my money refunded in a timely matter, especially when the amount is so high. XX/XX/XXXX isn't even a completion date, it's a follow up date. Since the last complaint, I have sent all correspondence regarding this matter through their online account messaging.

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 2021-05-27 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: GA

Complaint narrative:
XXXX the XXXX 2021 was the 14th time I disputed ( USBK COURT XXXX FLORIDA DOCKET # XXXX and USBK COURT XXXX FLORIDA DOCKET # XXXX ) I have asked Where did they verify this information and was told, From the court, which is either a mistake or a lie because I gave a letter from the court stating they did not verify this. I also gave a letter from XXXX who does not have record of this information any longer because they found it to be unverifiable and incorrect. Transunion is not being forthcoming and telling the truth of where they are verifying this information. FCRA VIOLATION 611 & FCRA VIOLATION 623 & 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation and Delete these accounts, yet TransUnion continues to claim they verify this information or respond saying they did and conduct no real investigation. CFPB is allowing them to do nothing, many times over. Check the records and you will see I have complained many times and nothing at all was done. You are allowing them to respond here and close the complaint without looking at the facts I attach and making them do as the Law requires

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
After 2 written letters to this company in the past year, multiple phone calls I have initiated and no answers ( Probably over 50 in total ), the company never has answered the calls and 2 complaints through this site the CFPB, I still have no resolution. The response was that they are accredited and they will no longer contact me via phone and will be direct mail only. This was never the issue, the issue is that they will not make/negotiate nor accept a lower amount of payment for the 2 accounts, nor respond to my written letters, nor can I contact them via phone call. This is ruining my credit and I will be contacting an attorney soon in the matter. They state that they are good with the XXXX and then I find this on the XXXX XXXX XXXX, Government Action : Consumer Financial Protection Bureau v Midland Credit Management Inc.. I want an immediate and financial amount to resolve the 2 accounts. The distraction techniques and ruining and extending my credit issues has gone on too long. I also will extend communication to the original creditors and explain the tactics, delaying and complicate behavior to them. My email address for immediate resolution is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP
State: IN

Complaint narrative:
We paid our loan in full in XXXX of XXXX  and can not get a copy of the title for our boat and trailer. We have asked numerous times. 
Keybank even sent a notarized letter to the XXXX of our state of Indiana saying it was paid but we need the title! 
The XXXX can not accept a letter. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I worked with a representative at Freedom Mortgage on XX/XX/21 to refinance my existing mortgage through XXXX XXXX, a subsidiary of Freedom Mortgage. I was offered favorable terms and advised I would not have any closing costs so I took the deal. 

I submitted proof of income documents for both of my current employers at the time and communicated with the loan originator on 5 different occasions between XX/XX/21 and XX/XX/21. 

The processing department made contact with my employers to confirm income and apparently the information they received was unsatisfactory for their purposes, so they closed my file and stopped my application. 

I did not receive any written, or verbal notification of this. I emailed the loan originator multiple times asking for an update over the last two months and even called the processing department and was told they would get back to me. I just learned that the file was closed today. 

Apart from being a waste of time, I feel that the credit inquiry should be removed due to lack of due diligence and good faith on the part of the lender.

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had a fraudulent instance on my XXXX account whereas someone used my App to " pay off the balance '' of my account. Once i discovered this, XXXX was unable to stop the electronic payoff and advised i call my Bank. XXXX advised this is a new scam whereas they pay of the balance with my set payment type and then charge against my credit line once " XXXX  ''. I immediately called Chase on XX/XX/XXXX and ask for a " stop pay '' and gave them the amount of the transaction {$2500.00} and XXXX as the transaction name and company. They assured me they would put a stop pay on the transaction and even offered to waive the {$30.00} stop payment fee. Three days later, they " paid '' the transaction when i did not have money in the account to cover it. When i called to complain, they advised they would " take care of it ''. I called in XXXX and XXXX for resolution and was told it was too late. By that time, they were charging " fees '' against this item that put me in a negative balance taking funds from my payroll to cover their fees. They then turned around, closed the account and reported us negatively in check cashing circles and are sending demand letters for the now {$2700.00}. 
They should never have funded this transaction, they should have rejected it. I want to be made whole and our names removed from Bad Check cashing databases.

Company response to consumer: Closed with monetary relief