vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Since the end of XX/XX/XXXX I have been dealing with a mistake that M & T Bank caused. 
They claimed to never get my XXXX XXXX when I moved into the house in XXXX. Since then I have been paying those taxes with my mortgage payment. They have promised me on several occasions they would fix and correct the issue. I have done everything they asked and needed of me and called regularly to check the status of this issue. During all of XXXX the issue only got worse. Every time I called I was never able to get the same person twice on the phone in the tax department so the issue became confusing on both ends and it basically turned into too many cooks in the kitchen situation. My XXXX statement said that my payment amount would be going up {$400.00} a month which is what prompted my original phone call. I have since found out about the taxes being wrong for 2 years and M & T Bank told me in total I should have about {$700.00} in taxes taken off of my payment. Great news right? Well it has taken them this long and the issue STILL isn't fixed. Every time I call I am told to give them a few more days and I have been extremely patient but I am at my wits end here. This should have been handled in 5 days tops and I am going by what M & T told me originally. I have had my issue expedited 6 times and now I have one person who I can contact directly to receive status updates which in the week I have been talking to him he never calls me, I have to call him and he never has an update. He asks that I give him 3-5 days to get a new escrow analysis done and I have done that plus an additional day and still no change. I am livid and exhausted with all this nonsense. I immediately tried to get this taken care of back at the end of XXXX so that it would be done and fixed before my XXXX payment was due but here we are, XXXX XXXX and still no resolve. I told them many times that I wanted this handled asap so that I would not have any issues by the time my mortgage payment was due. Please help me with this, I've tried so hard not to scream and yell at any of those people over the phone but I have cried because I am just so beyond stressed and exhausted from this whole thing. Thank you, 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 2022-10-07 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: Carvana Group, LLC
State: CO

Complaint narrative:
I am filing this compliant for my husband as he applied for a loan from Carvana on XX/XX/XXXX. Carvana called us on XX/XX/XXXX and stated that we could not get approved for financing because the identity quiz was failed and that we would need to get third party financing. The issues are as follows : 1. Carvana stated that the identity quiz was taken 2x but we were only offered the opportunity to take it once. They said the second time there were not any answers inputed. When we asked the question how did that happen when the system only offered the quiz one time. They stated it was a system error and they opened a ticket and sent me an email but no email was recieved. 
2. Even though we failed the identity quiz there is a hard pull on credit report right after my husband took it. When asked Carvana they stated once again system error sorry there is nothing we can do. 
3. Based on thinking we provided the correct answers we sent over personal documents as well as already took insurance out on the car based on there direction. When questioned once again recieved the response it was a system error, there was nothing they could do. 
4. because of this they will not hold the car until proper financing from a third party is recieved. 

Because the verification quiz as failed they should have not proceeded in pulling the credit report or having us upload additional personal documents. They have a copy of the drivers license and require a notary so that should suffice. While policies are understood the fact that a credit report was ran without proper verification is concerning and should not have happened and the fact they we were advised that the system errored is not an excuse to do a credit pull if the proper authorization was not received. We find that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Called Nelnet originally on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during Covid.

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. 

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I made an online payment through my XXXX checking account to American Express credit card. American Express didn't credit the payment to my account. Instead, they applied it to someone else 's account. I was told this by XXXX and also confirmed by American Express Representative. I also have the name and account number of the person where my payment landed. I provided proof of payment to them that shows that they accepted the payment and they refused to fix the problem. I opened a dispute with them 4 times and they continue to close the dispute stating that they need more information. However, they won't specify what else they need. XXXX bank has provided all that they can provide to show that the payment was sent to American Express. I am now out {$1500.00} and probably American Express is going to send my account to collections and ruin my XXXX credit score. I am caught between two big companies and they have been treating me like a ping pong ball without resolution since XXXX. Please help. I only have access to representatives who don't seem to have the ability to resolve issues and they rely heavily on computers doing the thinking and sending out auto-generated letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

Address : XXXX XXXX XXXX XXXX. Texas XXXX Account # XXXX XXXX XXXX XXXX SS # : 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 non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX Dovenmuehle mortgage, a former mortgage loan servicer of ours sent me a letter stating that they have unclaimed property ( {$450.00} ) from XXXX XXXX XXXX, XXXX ( another former loan servicer ). I did not reach out in time of their deadline of XX/XX/2022 to claim the funds, so they stated they would submit the funds to the state of Florida for me to claim via the state 's unclaimed property site. After checking with the state of Florida, for several weeks after the deadline, and up through, today, they still do not have the funds. I have called Dovenmuehle several times to inquire about the lost funds, but they just issue a blanket statement that if I missed the deadline, then the funds were released to the state. Nobody that I spoke to, or that was transferred to, could actually trace my missing funds. Supporting document provided. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Municipal Collections Services, Inc.
State: IN

Complaint narrative:
Municipal Collection Services, LLC. has contacted me in writing and by telephone many times attempting to force me to pay a debt that is not mine. I notified them that I am not XXXX XXXX ; I did not reside at XXXX XXXX XXXX, XXXX, XXXX in XXXX ; nor did I own or lease a XXXX with the plate number on record. The debt is for a red light camera ticket for {$200.00} from XX/XX/2014 in XXXX, XXXX. I havent been to XXXX in 30 years.The ticket number is XXXX. The account number is XXXX. The representative, XXXX, stated that it is my responsibility to prove that this ticket is not mine and instructed me to go to the Indiana XXXX for documentation. I thought the debt collection agency must accurately document and provide proof of the debt. XXXX asked if I knew a XXXX with a similar last name. I need help in dealing with this matter because someone in XXXX, Illinois stole my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair collection and outsourcing is stating that I owe a XXXX. The five-year statute of limitations for consumer debt in Florida has past and this debt can no longer be collected on after 5 years. Please delete this debt from my credit profile. This can only be collected on within five years for debts with a written contract. Fair collections and outsourcing has had this debt since 2017, and no longer can collect on it by 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 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
They will not provide me my 1098 for 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX sent a letter upholding a dispute claim for XXXX XXXX against XXXX for {$750.00} on XX/XX/22. XXXX, through and by its debt collection agent Radius, has subsequently sought to obtain the {$750.00}, in bad-faith, despite being notified of XXXX 's decision ( see attached PDF letter ) in writing and via telephone communications. XXXX and Radius therefore are violating U.S. federal law in attempting to collect on a non-existent debt. Please be aware that XXXX and Radius both have been reported to the Consumer Financial Protection Bureau ( # XXXX ). XXXX  and Radius, thus, are on notice that any additional contact with XXXX XXXX about non-existent debts will constitute new claims under U.S. federal law. This email is an attempt to avoid new legal violations, such as the unlawful demand by XXXX/Radius via text today ( see the attached pic ).

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did work for for a XXXX XXXX he wrote clean checks to my account everything clear boa closed my account because they assumed it was fraudulent but that wasnt the case.,, its been 3 months and they still not trying to release my money because they Stating XXXX XXXX bank need to make a recall On the checks. And XXXX XXXX XXXX XXXX stating they cant make the call on the checks because back of America holding the funds..

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 2022-10-07 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: MI

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following 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 this change. 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. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Accounts : XXXX XXXX Bankruptcy Account XXXX Account XXXX Balance XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX Account XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} Unauthorized XXXX : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please Remove XXXX XXXX XXXX  and it's other names ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have tried to remove inaccurate data from my credit report, the information on the original credit file is inaccurate, I have disputed constantly with the 3rd party debt buyer and it continues to come back verified even though I have proven the discrepancy. this item should be removed from my credit file and has expired its statue of limitations. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a phone call telling me Citibank is filing a lawsuit against me and filing a lien against my house and my business. The phone call says I owe Citibank {$5000.00} from 2011. All my accounts with Citibank are OK. The man I spoke to was rude and screaming at me telling me I was going to lose my house and my business if I didnt pay. The call back number was : 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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX, XXXX, in response to its then-promotion, I applied for a Capital One Venture credit card. Capital One promised XXXX points if I charged {$3000.00} to the card within 3 months, and a further XXXX points if I charged {$20000.00} to the card within one year from date of issue. Capital One issued me a card and has advised me that the start date was XX/XX/XXXX. It did give me the first XXXX points, but although I passed the {$20000.00} spend figure during the billing cycle for XXXX XXXX XXXX XXXXXXXX, Capital One has refused to give me the second XXXX point installment. Their agent, a XXXX XXXX, explained to me on the telephone that in adding up the spend, only the first eleven billing cycles are considered, and that I didnt reach the {$20000.00} spend level until the 12th cycle ( XXXX XXXX XXXX XXXXXXXX, still within the one year ). Their promotion, however, had spoken of within one year, and I did satisfy that test. Capitol One has decline to reconsider. 

Their file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: UT

Complaint narrative:
In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important 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 non-monetary relief
Consumer complaint received 2022-10-07 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: UT

Complaint narrative:
In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.

Company response to consumer: Closed with explanation