vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We refinanced our home and the mortgage company sold our loan to Flagstar Bank. At the time our loan closed, our escrow was calculated based on the tax certificate which states that our property taxes are due on XX/XX/XXXX. Our first payment on the new loan was in XX/XX/XXXX. In XX/XX/XXXX we were informed by Flagstar that they conducted an escrow analysis and determine that we had a shortage, so they raised our payment to cover the shortage. The increase was {$120.00} per month. I contacted them to find out why this occurred. They explained that they paid our taxes in XXXX and the lower balance was in XXXX. I told them that the taxes are not due until XXXX, so paying them early should not cause me to be financially penalized. I filed a complaint and on XX/XX/XXXX I was informed that they had denied my complaint and that they would continue paying the taxes two months early and they would not correct my escrow. I again filed an appeal and they again denied it. So, I requested to withdraw my escrow funds so that we could manage our own account. They sent me a form and said that I could request the withdraw, but that they would charge me an {$800.00} fee in order to request the withdrawal. Since the problem with the escrow is caused by their mismanagement of the account and refusal to pay the taxes when they are due, it is absolutely unfair that they are charging me such a ridiculous fee to take my escrow and manage it myself. Basically, I'm stuck and they don't care.

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 2021-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To someone with the authority to rectify my problem, I have reached out to these corporations and they completely disregarded my correspondence I sent to them on XXXX XXXX, 2020. I havent received any responses from them once. My first correspondence was 79 days ago. After this experience I have done research and learned that Federal law requires corporations to respond within thirty ( 30 ) days ; again it has been 79 days and these companies are in gross failure of having an open line of communication with me about my situation. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. I rather not do this but at this point I am considering seeking litigation. Be informed that my information was compromised in the Equifax data breach and this may have caused the detrimental activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
Experian is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

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 2021-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
About three years ago I attempted to assume grandparents estate because I am the estate representative and the home was willed to me. I filed all the appropriate paperwork and Bayview Loan Servicing/Community Loan Servicing denied me and would accept me as the representative although I had the official court docs. I filed case # XXXX and Bayview overturned the decision allowing me to begin the process. A few months later that modified the loan in 2019 and then told me they were supposed to make me assume the loan before modifying. I've spent the last 2 years going through the assumption process due to their delays. The loan was FINALLY assumed officially last year in XXXX, I signed paperwork for modification in XX/XX/2019 and yet I still have no modification paperwork. It's years later and the company has been holding all of my payments and has continued to charge me 3 years of fees for late fees, legal fees and fees for having to front the money. This is fraudulently being done at my expense! I've been paying them since they originally approved the modification of my grandparents loan. I am still 3years later not able to write the interest off on my taxes continuously see years worth of fees being allocated to me fraudulently! They owe me all the fees from the point that they denied my paperwork in error 3 years ago. I have a timeline of documents including the dates and letters from the modifications, emails with the assumptions department etc. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage on my home was paid off on XX/XX/20. XXXX sent a faulty Discharge of Mortgage to the County Clerk, and so it was rejected. Since XX/XX/20 I have been asking XXXX to provide a corrected Discharge of Mortgage, but they seem to be unable to accomplish this, and they do not allow me to speak to the parties involved. 

This is very serious, because I have been approved with another lender to refinance the house ... but I can not close, due to this old mortgage, which is paid off, but still showing on record. Meanwhile, I am losing my loan approval with the new lender, I will have to pay for a new appraisal, the rates are rising ... so this Shellpoint delay is costing me a lot of money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

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 2021-03-19 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE Innovis XXXX XXXX ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis XXXX XXXX IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After the card cancellation account and points issue with no notice, Amex finally reinstate my account and points. But since XXXX, Amex had been issuing me three cards that could not be initiated by myself or with the help of representative, I have paid the annual fee for a while but cards don't work as well as all the benefits should come with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NY

Complaint narrative:
I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NY

Complaint narrative:
I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
In approximately XX/XX/XXXX I discovered a collections record on my credit report. I contacted the debt collection agency, it was quickly established that the debt was not mine. After many calls, they advised they had removed the debt. I advised it was still on my credit report, they advised it hadnt refreshed. 

As of XX/XX/XXXX, the debt ( which isnt mine ) is still on my credit report. Ive never missed a payment in my life, but now my credit is tanked. They should be punished. 

The debt collector is rmp services llc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
The payments are not reported, Sent for accounting records Contacted the company no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX/ XXXX XXXX/XXXX  ... Has yet to give me results for a dispute over 30 days ago.. Nor has they responded to my letter asking why its over 30 days and I havent had any results

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On Thursday XX/XX/XXXX, attempted calling XXXX XXXX XXXX XXXX XXXX, who apparently owns my alleged {$830.00} debt with GE Money in order to get more information, confirm the debt is mine, and pay it. I was informed that if I called again, it would be considered harassment, and to not call again. I'm not exactly sure how I'm supposed to pay a debt with XXXX XXXX XXXX XXXX XXXX when calling them is apparently considered harassment.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I Consumer XXXX, XXXX, XXXX entered into a Consumer Credit Transaction with American Credit Acceptance on XX/XX/2019 I use my credit card as defined under 15 usc 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card i use is my Social security card. And there was a finance charge involved as defined under 15 usc 1605. American Credit Acceptance then took my credit and got a loan and being to violate 15 usc 1692e. Because they falsely represented the STAUS of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
Equifax is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased an American Express Serve Cash Back Card today with the intention of making a purchase without having to use my primary credit union account info. After having purchased the card, unbeknownst to me, the merchant I intended to use it for does NOT accept American Express. I am unable to return this prepaid card back to XXXX for a refund. I have been calling the number on the back card ( XXXX ) literally for hours on end and have been unable to reach any customer service agent. The automated system does not provide you with an option to speak with anyone. Pressing XXXX  does not work either as the line simply disconnects after repeating its pre-recorded message. www.serve.com is not allowing me to register my card, therefore I am unable to set up an PIN to be able to retrieve the funds that I loaded onto the card from an ATM, nor am I able to make any online purchases or pay bills because a billing address has not and can not be set up online at this time. I have been in contact with @ AmericanExpress on twitter but to no resolve as they " don't have access to the prepaid platform via this channel '' I have contacted the American Express Credit Card Dept who also have been unable to help and have simply transferred me to the prepaid platform where the line continuously disconnects. I was essentially robbed, in the middle of a pandemic, and American Express has been everything but unhelpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Account XXXX is being reported on my Equifax credit report. There is no creditor name listed. I sent letters to Equifax asking them to verity this account is accurate. I have yet to get documents validating this debt. How is there a no name creditor account reporting on my credit report? I have yet to get any paper work. This is a violation. I have disputed the information 6 times with Equifax. I have attached documents providing the violation..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MD

Complaint narrative:
XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with Transunion, XXXX and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name 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 2021-03-19 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: MD

Complaint narrative:
XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with XXXX, Equifax, and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: PA

Complaint narrative:
On XX/XX/XXXX I booked two round trip tickets for XXXX XXXX, my wife, and myself on XXXX XXXX, XXXX to XXXX w return. Although we live in XXXX our Grandchildren are in XXXX so we decided to spend time with them before and after the trip. This trip was to celebrate XXXX 's XXXX birthday. 

In XXXX of XXXX I saw that our flights were removed from the XXXX XXXX schedule and that they were going bankrupt. I filed a dispute for both tickets with my Citibank Mastercard. 

In XX/XX/XXXX I received formal flight cancellation notices from XXXX XXXX for both round trip itineraries. Email, telephone and online attempts to recover the money still owed to me by XXXX were useless. 

In XX/XX/XXXX one round trip ticket was credited to my account. I tried to file again on line but the " Dispute A Charge '' button was greyed out for these 4 transactions. 

In XX/XX/XXXX I mailed CitiBank all the documents I had requesting a refund for the other flight. 

In XX/XX/XXXX they refunded XXXX for one flight but not the XXXX for the other remaining flight. 

In XX/XX/XXXX I made another attempt to remedy the situation with Citibank and XXXX XXXX. Although I filed in a timely manner, their response was that too much time had passed. 

XXXX XXXX XXXX Page 1 shows the 4 charges to XXXX XXXX. Page 2 shows the three conditional credits which all became permanent. 

CLOSED DISPUTE.pdf shows the matter is closed from the point of view of Citibank. 

XXXX TO XXXX & XXXX TO XXXX XXXX show the flights were indeed cancelled. No service was received but my money was swiftly taken. 

It makes no sense that three of the four charges were refunded and not the fourth of four. 

Each time I summitted a compliant about the charges I did it for all of the flights or tried but the online system was not always usable. Twice I submitted documents by mail to introduce and prove my points. 

I am still owed XXXX for the service that was cancelled.

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