vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: AL

Complaint narrative:
Complaining about the house on XXXX XXXX XXXX XXXX Alabama XXXX the reverse mortgage NOVAD has refused to issue the money to repair the roof that was damage last year storm the insurance sent a check with MS XXXX XXXX and NOVAD name on the check therefore MS XXXX was unable to cash the check the check was sent back to NOVAD so they would remove their name NOVAD from the check this was not done Presently the house is leaking each rain fall the insurance can not do anything because they already issue a check and NOVAD is holding the check claim number XXXX XXXX XXXX is the owner the insurance is XXXX contact person XXXX XXXX phone XXXX this is an EMERGENCY please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
We closed on a conventional mortgage refinance on XX/XX/2021. Our previous loan servicing company, Dovenmuehle Mortgage, claimed to have processed our escrow account refund ( {$7100.00} ) onXX/XX/2021. We never received the payment and requested it to be re-issued on XX/XX/2021. We were told the re-issued payment would be received within 30 days. We never received the second attempt at payment. 

After approximately two weeks, we were told the check was cut and being sent out and would be received within 5-7 days. No check ever arrived. 

After numerous calls to their customer service department and getting different answers each time, we were finally advised on XX/XX/2021that our original request for re-issuance of the payment on XX/XX/XXXX was still being processed and they had 60 days in which to do so. I asked to speak to a higher level supervisor and was told that request would take 5-7 business days. I was also told all other information provided to me prior to this call was incorrect and they didn't know why I was told what I was told. 

Dovenmuehle refuses to issue the refund in any other manner than a mailed paper check. I asked for proof that a check was even actually mailed initially and they were not able to provide that information, suggesting that it was still only being processed and not sent out after the 20 days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Bull City I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Fox Collecent I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Credit Acceptance located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Credit Acceptance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2020, a reservation was made with XXXX XXXX XXXX XXXX XXXX for {$700.00} XXXX showed up on my statement as being charged TWO times ( duplicate charge ). I disputed as a duplicate charge, and I received a credit. 

On XX/XX/2020, a representative from the resort called to advise the resort would not be open during my travel dates due to COVID. I could request new dates of travel or receive a refund. I requested a refund. XXXX advised it would take up to 30 days. 

30 plus days later, I contacted XXXX and they claim them refunded me in XXXX. I explained the duplicate charge was returned, the original charge needs to be refunded. XXXX and Citi are both refusing to refund me. 

The credit card statement on XX/XX/2020, clearly reflects two charges for XXXX XXXX XXXX XXXX XXXX in the amount of {$700.00} XXXX submitted documents reflecting the credit for one charge which was the duplicate charge. 

Citi has told me there is nothing further they can do for me as XXXX will no longer respond to them. 

I would like my {$700.00} returned to 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 explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Disputed with company in XX/XX/XXXX and XX/XX/XXXX in the amount of {$300.00} when it showed a discrepancy with credit limit and amount in collection. Also name dispute. Several attempts have been made to have this removed from my credit report. Have disputed twice. Company states that they know longer have account and given there outside agency number to no avail. Tried calling the outside company and the company states that the name on file and my name is not the same and can't give me any information. Requested that they remove this from my credit report and was told nothing will happen if I can't give the name on the account.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine. I tried disputing several times and it has remained on my account. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. I would like removed off my account ASAP as it is negatively affecting my credit and my chance of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I contacted the company, Healthcare collections regarding an old medical bill. I didn't dispute the debt but asked for a payment plan to clear out the debt. I requested this writing and was willing to set up a payment plan to cure my debt. I am willing to pay the amount owed but I am not getting any assistance from the company. Can you please assist me in getting a resolution in writing for a payment plan? Again I am willing to pay this amount owed I just need a payment plan in writing.

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Attention XXXX, XXXX, and Equifax. I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my Passport and a utility bill for proof of address. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. I also have a notarized letter stating that it is me that sent this dispute through the CFPB that is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Good afternoon, On several occasions I have made attempts to contact XXXX, XXXX  and XXXX  regarding this collection debt in question that I have no financial interest in nor does it belongs to me. Not once has Jefferson Capital sent me any kind of documentation nor has the credit bureaus. This negative debt is affecting my credit in more ways than one and all I ask the credit bureaus and collection agencies to do is their job. I am not responsible for this debt whatsoever as this debt belongs to my ex-husband and not me. Please do your job and remove this account for my credit report asap. Your attention to this matter is very much appreciative.

Jefferson Capital Systems-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, Bank of America, XXXX XXXX and 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 2021-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
MY HUSBAND GOT A XXXX  XXXX WHICH DUE TO AN ACCIDENT WAS TOTALLY LOST, THE INSURANCE PAID EVERYTHING HOWEVER WE RECEIVED A LETTER THAT WE HAD TO PAY {$1000.00} AND FOR THE WRONG INFORMATION WE BOUGHT ANOTHER VEHICLE GIVING A DOWN PAYMENT WHEN WE WERE COVERED, REPORTED THE XXXX AS WE WERE LATE WE PAID THE XXXX AND IT WAS STILL REFLECTED WHEN THE PERSON AT XXXX CREDIT  INFORMED US THAT IT WOULD NOT BE REFLECTED IN MY CREDIT BECAUSE IT WAS AN ADMI ERROR ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Lvnv funding LLC I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
There are two accounts reporting from XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX and neither should be listed. I was homeless for a long period of time and covered under the XXXX XXXX XXXX. I do now owe any medical debt for that time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-23 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: MO

Complaint narrative:
Ive sent in letters disputing personal information, collection accounts, and missed payment accounts. Equifax stated that they didn't received my letters and I sent them certified and the letters were shown that they were delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples 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 2021-04-23 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: MI

Complaint narrative:
XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!

Company response to consumer: Closed with explanation