vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IA

Complaint narrative:
Hello, on XXXX I submitted a complaint to Gregory Funding and copied multiple agencies that may assist with the complaint, which is how I got Consumer Financial Protection Bureau ( CFPB ) information from FDIC 's Office of Ombudsman. 

Gregory Funding purchased my mortgage from XXXX in XX/XX/2020. I made the XX/XX/2020 payment to XXXX in XX/XX/2020, then XXXX forwarded the payment to Gregory Funding. To date the XXXX payment is not applied by Gregory Funding because they claim XXXX did not send the payment. Proof of XXXX mortgage payment by me to XXXX  and proof of XXXX mortgage payment wire transfer from XXXX to Gregory Funding was provided to Gregory Funding on XXXX to, but to date the XXXX mortgage payment is not applied. 

In short, two companies are in dispute of money sent and money received, but for me as the consumer, I am out an entire mortgage payment, accumulating monthly late fees, reflecting my credit report, and Gregory Funding is withholding an escrow surplus check because my account is not current, which is incorrect. 

I have made multiple attempts to resolve this matter with Gregory Funding and this process has become labor intensive with no resolution yet. Please see attachments which are the XXXX complaint sent to Gregory Funding with detailed information about this complaint. In this attachment to CFPB I am including everything that was sent to both Gregory Funding and XXXX, specifically proof of XXXX payment on loan history statement. 

Thank you in advance for your assistance with this matter. 

Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Franklin Financial  Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I researched companies for auto loan refinancing. I found this company online called XXXX XXXX XXXX XXXX. Someone from the company called me in claimed they can negotiate with my lender for a lower car payment they charged me half of my car note to start the process which was {$270.00} I have signed docusigned documents. After 2 weeks I hadn't heard anything from this company when I call them they never answer the phone. Finally I spoke to a lady named XXXX  she claimed I had to get all these different documents from my lender that they never mentioned at first I was suppose to get calls from a worker named XXXX he never called me! ... when I spoke to my lender my lender stated they never heard of this company and that they do no negotiate lower car payments ... I did more research on this company by XXXX  the phone number on the site. I found out they scammed more people claiming to help lower car payments ... I disputed the {$270.00} bank payment with my bank and they denied my dispute claiming they could find no evidence of fraud ... this company is not legit this is the website they use to scam people XXXX XXXX XXXX. There is not enough contact information shared I would like my funds returned to me this time period is already hard due to the pandemic yet you have people out stealing from people by lying like they are out to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I can't get the PMI removed. I can't get a straight answer. No will return my call.

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 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KS

Complaint narrative:
I have been attempting to complete a short sale of my home for many months. Although once approved, the buyer 's lender backed out and declined to extend financing to the buyer based on the repairs required to my home. I did receive a new cash offer, but it was lower than the prior offer. My short sale agents reached out to FHA directly to discuss the value and condition of the home. We were advised by FHA directly that their value estimate actually increased from $ XXXX to $ XXXX and that they would require an offer netting above 84 % of the new, increased value when my agents corresponded with their representative, XXXX XXXX, as of XX/XX/2020. The buyer was immediately countered, accepted an offer meeting the FHA required minimum net proceeds, and all paperwork processed to provide the servicer and FHA the offer as of XX/XX/2020. The servicer 's representative, XXXX XXXX, advise us on XX/XX/2020 that my property has not been eligible for a short sale since XX/XX/2020. This is not anywhere near consistent with what FHA advised us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I call XXXX XXXX they couldnt give me no answer to what I was asking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-05 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: CITY NATIONAL BANK
State: NY

Complaint narrative:
I called City National Bank to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to CNB. I called them multiple times to remedy the situation but have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.

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 2020-11-05 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: NY

Complaint narrative:
I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX ( days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX ) and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX (! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX ( days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX ) and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX (! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.

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 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Hi, I live in New jersey and 2 months ago, someone from an other state had access to my robinhood account and create debit card and transfer money, I have reported while process was happinning, it took a month them to fix problem and meanwhile I wasnt able to withdraw money or trade, now they put stolen money back but, I want to withdraw and get rid of this robinhood but they dont let me do and since 2 weeks even I sent them more than 10 e-mails they do not respond, I need my money because of family reason and this people doesnt care I would love to report them with all prove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i just received a note on acct ending XXXX saying if they so choose they can cancel my account due to disputes. I recently had my card used without my authorization. Another issue is since the pandemic many items i ordered were STOLEN. as such i disputed them i dispute being in this category of being at risk to have account closed and i want to talk to someone in authority when good for me. I have had this account many years good customer. I want more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-11-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is preventing me from accessing the results of my credit report dispute. I was able to log into the system to start the dispute but when I went back to get the results, it did not let me back in or recover my login.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included

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 2020-11-05 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: PA

Complaint narrative:
Good Morning Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received XXXX correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank is holding my only funds without any reasoning. If they would have told me that they were holding my check I would have deposited in another bank that would allow me to access my funds. Every time I call to inquire about my funds still not being available the tell me different things just to get me off the phone. The first customer care agent misinformed me that my funds would be available in two days and that the time stamp on receipt was just generic date. the second person informed me that checks are placed on hold after deposit and basically told me have a nice day. It doesn't make sense that I have to go sell blood to put gas in my car when I have XXXX in my bank account. I will never be submitting large amounts with this bank again because of this grave inconvenience not only for me but my family as well. I would like to get my check back so I can put it in a real bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My Father in law is attempting to get a Deed in Lieu of Forclosure form from PHH. They refer him to their website. He is an elderly XXXX veteran, and has not been able to successful navigate the electronic system to get the form. I contacted PHH customer service to see if there was any other method thye could get the form to him. They replied they needed the loan number and full address, which I then provided, along with mentioning that I am not asking them to send anything to me, but to him, who is on record with them as requesting the documentation. 
Their response was to inform me that I am not authorized to receive any information on this account. 
I have replied to them that I am not asking to receive any information, but that this customer, being elderly and XXXX can not navigate the only system they are offering, and can not properly communicate this need for other accommodations to them. 
They only need to mail the form to the person and address they already have on record as needing this form and are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services
State: CA

Complaint narrative:
The debt of {$270.00} is paid in full. Please remove from my credit report. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$74.00} was paid leaving a {$0.00} balance : Order # XXXX, Reference # XXXX, Authorization Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In XX/XX/2020, I was involved in a auto accident that totaled my car. My auto insurance company paid Allyauto {$12000.00} and a balance was due of {$1500.00}. I have a GAP insurance policy that pays the remaining balance. XXXX XXXX my GAP insurance company paid {$640.00} on XX/XX/2020. When I spoke with XXXX XXXX they said they will be making another payment and the car dealership will be making a payment to pay the total due to Allyauto. Allyauto continues to report to the Credit Bureau that I have not made payment for this car, when they know that this is a insurance claim and I am not responsible for making payments.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation