vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: MD

Complaint narrative:
XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX  I have a Debt from chase bank saying i owe chase almost 17k or 18 k in payments for a credit card that never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I had called our mortgage company to find out why our payment went up for the month of XX/XX/2021 from XXXX to XXXX and the company said it was due to our taxes which was close to {$6000.00} then our insurance was {$2900.00}. The mortgage company said that if I could pay the escrow of the house was {$6000.00}. then my payments would remain the same but it was a fixed loan at XXXX XXXX and fixed XXXX yrs rate and we did not have to pay any property taxes since we are XXXX XXXX XXXX service connected. The mortgage company told me that all we needed to do was find a cheaper insurance for the home and that was all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My mortgage company requires HO insurance and handles this through an escrow account. My HO insurance policy renewal is in XXXX and was placed with new insurance carriers on time. I had to pay out of pocket the down payment on the fire policy and in full for the wrap around policy. All paperwork was sent to the mortgage company by my insurance agent and also by me. Ever since, the mortgage company has XXXX this up and has tried to charge me for their own version of insurance instead of recognizing that I have full coverage already in place and am compliant with their requirements. Besides trying to charge me for unneeded insurance they are also increasing my escrow payment unnecessarily. Both my insurance agent and I have made several attempts to get this resolved but as of the date of this complaint the mortgage company has not resolved the issue. Attempts to resolve this through their customer service number have been unsuccessful and their customer support person was extremely rude and dismissive and no help whatsoever. Attempts to resolve through their insurance department were more positive but always are pushed off to an automated system. So, it is almost impossible to actually get anyone to help and know the problem is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This collection company calls my work phone 4 times a day, misrepresents the dates and age of the credit account, and ignores the fact that I have disputed this account since inceptionXXXX XXXX provided me with non-functional products and attempted to charge me for them after their return to the original purchaser. Which is the original debt disputed. After calling them, escalating, etc. they decided to collect and I decided to go with a real phone company. Since then this debt has been passed multiple times and now it is with an outsourced XXXX company that uses harassment as tactics to collect on bad accounts that XXXX is likely pushing on all its clients, despite their service blacking out at my home day in day out, and them replacing my phone 3 times, which did nothing, this is what I received in return for trusting their brand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: CA

Complaint narrative:
on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. XXXX XXXX did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER CREDIT CARD IS NOT REMOVING THE ACCOUNT UNDER MY NAME THAT WAS OPENED DUE TO IDENTITY THEFT.I HAVE DONE A POLICE REPORT AND SENT IT TO THEM AND THE CREDIT BUREAUS TO REMOVE AND NOT REPORT TO THEM OR CALL ME HARASSING ME OF A PAYMEN. THIS HAS BEEN VERY XXXX FOR ME TO BE DEALING WITH THIS AT THIS TIME AND AGE OF MINE. I NEED TO BE REMOVED FROM DISCOVER CARD SERVICES AND SYSTEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: MI

Complaint narrative:
I found a product online that supposedly improves brain and mind function. I decided to purchase the supplement for {$6.00} or something along those lines. I made the purchase on XX/XX/XXXX and the item showed up some time later. The other day I got the mail and I pulled out a debt collector trying to collect {$110.00} for something related to this company. The amount is substantially higher at {$110.00}. I have not heard or seen anything related to the company after receiving the item that I paid for. I did not receive any additional bills, correspondence, or items. Upon contacting the debt collector and explaining my situation they were extremely unhelpful, rude, and unprofessional. I was told to XXXX XXXX, that i had a XXXX attitude, that I was lying about receiving additional product ( s ), and was hung up on by three different people. I was under the impression I was paying for the product one time which I did. One of the employees told me " you need to watch what you click agree to next time ''. I haven't been given any information about what the charge is for, why i'm being charged, and why i'm being charged but haven't received any bills for whatever they are trying to collect money from. The debt collector hangs up on me because i refuse to pay them but I do not believe a debt collector would act so unprofessionally, they have not established themselves as legitimate debt collectors, and I don't know what the debt is for. So, I am not paying for anything. The whole thing sounds like a huge scam and the company XXXX limited has numerous scam reports online as well as a news article with a reputable news company. Searching up the debt collector, all of the complaints that I saw were related to this XXXX XXXX XXXX and a lot of the people seemed to be suffering the same issues I am currently suffering. If this is a matter of being charged for an additional product, I have United States Postal Service services in which it shows what packages are delivered to my home and I can prove that I received nothing additional from this company. The company XXXX XXXX doesn't even have a website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: GA

Complaint narrative:
I have a negative credit entry on my credit report for an account that was paid in full. The creditor is XXXX XXXX and this account has been paid in full. When I contacted the collection agency, the representative agreed to completely delete the item from my credit profile and it still appears as a negative 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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Beginning late XXXX, Wells Fargo began charging my account overdraft fees on XXXX purchases despite money transfers initiated to cover my low checking account balance. It seems that Wells Fargo has begun a practice of back dating XXXX purchases and/or delaying money transfers in order to assess an overdraft fee. This also goes against their own XXXX XXXX policy. I have contacted Wells Fargo at least once per month in XXXX asking for Overdraft Fee refunds. They have given me partial credits for those charges, ranging from a XXXX - XXXX percent refund. The most recent complaint to Wells Fargo was 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 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
The gentleman called me a XXXX  and was very XXXX with regards to the debt. I have no idea what debt they're talking about. All my debt has been paid or being paid.

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 2021-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have tried to pay a claim that I made with my mortgage company ; however, they refuse to disclose amounts and or invoices of said debt. instead they have advised me that I have a pre-payment penalty. I am trying to clear aid debt ; however they advise me that XXXX is responsible for the administration of the partial claim yet you can not reach nor will they reach out to you. 

here is my mortgage companies contact info : NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX Virginia XXXX, VA XXXX Mailing Address : XXXX XXXX XXXX XXXX : Legal/Licensing XXXX  XXXX, VA XXXX Phone : XXXX Toll-Free Number : XXXX Fax : XXXX Website : XXXX, XXXX Email : XXXX in short I need help closing out partial claim.

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 2021-03-03 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: AL

Complaint narrative:
I have several disputes of a chapter XXXX on my credit file. I disputed and ask TransUnion to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. TransUnion is giving no proof of investigation!! TransUnion just reporting it was investigated with no proof of where the information is coming from.

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 2021-03-03 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXXXXXX card since XXXX. XXXX passed away in XXXX of XXXX and now Bank XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.

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 2021-03-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
I received the unactivated card in the mail. I contacted my Congressman 's about how to get a check issued instead. I was told to call the ONLY number provided by card issuer to get a check. The phone number is reported to allow access to " the main menu '' as well as activate the card. That is a lie! The number requires the caller to activate the card. In fact, there is no option for having a check issued. Moreover, there is no option for ever talking to human via this number. Evidently, the billionaires who own the parent company ( e.g., XXXX ) do not want to talk to mere peons ... only take our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Loan # XXXX Specialized Loan Servicing, LLC ( Mortgage Collection Agency ) Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their persistent negligence, intentional deceit and unfair business practices ; via the following : 1. Unauthorized disclosures of private information to a third party, with a totally different and wrong address.

2. Failed and continued to fail in issuing and providing updated " Monthly Statement '' of Account for our Mortgage Loan.

3. Failed and continued to fail in issuing the required and mandated " Tax Documents '' for 2020 ; reporting the interest paid on the loan, even after multiple communications via mail, and phone calls.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE BEEN A VICTOM IDENTITY SOMEONE HAS OPENED A CRAD UNDER MY NAME WITH Bank of America, I HAVE DONE A POLICE REPORT SENT IT TO Bank of America ALSO TO THE 3 CREDIT BUREAU AND IT HAS NOT STOPPED I KEEP GETTING HARASSING CALLS THIS STRESSFUL FOR ME IM AN OLD MEN OF XXXXEARS OF AGE.

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 2021-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I am eligible for Public Service Loan Forgiveness. The parameters of that program are making 120 qualifying payments while working at a qualified employer on a qualified loan. I made my 120th qualifying payment on XX/XX/XXXX. I submitted my application for forgiveness on XX/XX/XXXX and since then I have received so much conflicting information about the status of my loans. I initially received letters saying I did not qualify and that I did qualify. When I asked about that conflict I was told oh there is no problem. When I called again I was told to resubmit my application, which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter that Fedloan Servicing had finished my review and approved my application on XX/XX/XXXX and that they would send my file to Department of Education for final review and forgiveness. As of XXXX, my file has still not been sent to Department of Education for final review and forgiveness. Every time I have called I have been given the run around about what date it was sent over, only to find out today that it was never sent over. I submitted an employer certification form every year for the last 10-11years. My payments were all certified as well as my employer XXXX Department of Treasury XXXX. No one at Fedloan Servicing has been able to give me an accurate answer of where my application is in the process, or why it is taking so long. All anyone will say is oh it can take up to 6 months to process. There is no reason why this process is not more transparent, nor is there any reason for the process to take this long. We are now coming up on 3 months from the date I initially submitted my application. At the time of submitting, I had 11 payments out of the 120 that needed to be certified. There is no reason why a review of 11 payments should take so long, especially since most of these were {$0.00} payments under the CARES Act and I certified my employment of working with the federal government. The lack of information and the conflicting information received is a real disservice to their customers. As of today, I still have no received forgiveness nor has my application been sent over to Department of Education by Fedloan Servicing, even though they sent me a letter saying they have approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: WA

Complaint narrative:
Companies send unsolicited, predatory advertisements and refuses to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
bb & t is my mortafe bank ; payments are XXXX month ; my wife takes care of most of this as her part of the family unit ; however, as of late her father who is XXXX is not doing well ; this has caused her to make a few slow payments and/or miss one over a 2 week time. XX/XX/21 i got a call from someone saying bb & t, and asking all kinds of questions ; as a smart comsumer i ask what this was all about ; i was told, '' i can not give out any information untill i have ask all my questions and recieved all the answers i need '' ; i felt this was a con, the lady being rude ; she did call me., i called bb & t to see what was the issue ; i was told they would have to get back with me ; today XX/XX/21 i got a letter that i had a missed payment from XX/XX/21 ; that is less than 30 days ; just as i was reading the letter. i got another call from the same lady ; " requiring '' me to be silent unless answering her questions ; i hung up. i called the number on the letter and got " this is a debt collector '' on the phone and the same lady ; i told her i wanted to know what this was about ; she again required that i answer a lot of questions ; i hung up ; i then went to bb & t ; paid the bulk of the loan ; and requested a final notice of what would be due ... the lady was rude ; i am not 30 days deliquent ... if i was told what it was about i may have been better equipeted to answer the question ; however i was dealing with bb & t bank not a debt collector ; my serviecs should not be pushed to such a group ; i hate them i will not deal with them ; they are rude and treat one as a number ; without consideration of a human with problems ; such as what is going on in the world etc. there are a lot of scamers out there ; she should be required to answer my questions as well so i know it is safe to give out some information, just not too much. i went to the bank gave only my account number and i was well on the way to closing the account ... they will be at a lose for the next 35 months whitout that intrest that would have been paid.

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