vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My school tax and city tax were incorrectly documented in my escrow account. I provided Citizens Bank with the accurate amounts for both but neither had been updated. They paid the correct city tax amount of {$3500.00} in XX/XX/XXXX but did not update the amount on the escrow account which they kept at {$25000.00}. I called the company multiple times over the course of 4-6 weeks ( XX/XX/XXXX until XX/XX/XXXX ) to have these updated and each time I was told it was in process. When I would call back, I was informed that nothing had been done yet and they would resubmit. This happened on multiple occasions. I was even told that I would have a manager call me within 24 hours to talk about this, but I was never called back. This also happened multiple times. I kept calling with frustration because my mortgage payment is off by almost {$5000.00} with these incorrect tax assessments, and I was frantically trying to get my payment adjusted to the normal amount, but Citizens could not get it together to make any adjustments. My school tax bill which is {$18000.00} which they also paid and have documentation of from the township remains at {$31000.00} on the escrow account. I finally called 2 weeks ago and was promised it would be " expedited '' or at least no longer than XX/XX/XXXX to be figured out. Today is XX/XX/XXXX and it has not been rectified and I am on the phone with Citizens again today and they are unable to resolve my issues. This is terrible customer service and business practice. They have no intention of making good on any of their promises and are causing me to pay thousands of dollars more than I need to keep in escrow at a time when not a lot of people have cash sitting around. I have no confidence in this bank nor do I trust any of their monetary practices. In what business is it acceptable to have such bad accounting practices. It is completely unprofessional. I have called Citizens so many times to resolve these issues but no one can help me so I am looking for an outside entity that can help me. I will never use them again for any type of mortgage or loan. I simply not trust the business practice or ability to manage money. Fortunately they have documentation of all the phone calls I have made with their empty and fake promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: AES/PHEAA
State: AZ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. Several years ago my information was stolen from my office and several accounts were opened in my name. I filed a police report with the XXXX police department. I did not open this account with XXXX XXXX. Several accounts with this bank were opened at the same time and this is the last account that is still in collection status. I have attached copies of letters from XXXX XXXX XXXX, a collection firm that was handling the other accounts and did their own identity theft investigation, and removed the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Penn Credit Corporation
State: FL

Complaint narrative:
I received yet another ping notifying me of my credit score decrease. I open to look into the situation and see that tbis company has reported me 4 times once on a weekly basis to the credit bureau for the same account. I called to discuss the situation at hand and asked specifically if i could speak to a supervisor or manager. XXXX introduced herself as one. After explaining the situation at hand to her in refernwcing to her recurring reports for the same account on a weekly basis. Her response was, " Yes, we are allowed to do that. '' I asked her if she was sure because I tought that it was suppose to be 30 60 90 days and she told me not so. They are allowed to report this on my credit weekly. I responded fine and began to do a little research and have not come across any changes specifying this action. So I called back and spoke with a gentleman this timw. Gave him all the requested information needed to bring up the account in which we did and was able to look into the situation. And he was more focused on retriwving my social security number and update my information rather then address the fact that they are continually report the same account on my credit which has affected my score. So I told him to have a nice day and I will be reaching out to you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
XXXX Account : {$110.00} Reported to collection agency XXXX XXXX Removed from XXXX XXXX in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency South West Credit System was added to credit report on XXXX after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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:
I put in a complaint about XXXX XXXX XXXX reporting information that has been proven to be fraudulent to Experian XXXX  that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights

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 2021-02-04 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: NJ

Complaint narrative:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have disputed this item SEVERAL TIMES with the credit bureaus but to no avail. I am now trying to get this negative remark addressed. I have no knowledge of this debt that this company is trying to collect from me. Ive asked several times for any AGREEMENT or CONTRACT that they have that pertains my SIGNATURE that they have to confirm this alleged debt and they have yet to produce it and they have still not. I believe this is a form of harassment and has caused HAVOC to my credit profile with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against enhanced recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
I have sent this company 2 letters asking to validate a debt they send me something not matching my signature. They can clearly see that based on my license. Yet they are trying to verify this debt with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
This company has been harassing me and is threatening me trying to force me to pay for something that does not belong to me I am tired of them calling from blocked numbers and they even went as far as contacting my former employer, I say former because they have repeatedly called this man and told his I owe money I am a dead beat all types of negative false statements that are terrible. I do not owe this money. 

I contacted legal assistance and they told me based on North Carolina Laws they are over the Statute of limitations on collecting debt whether it is or isnt mine dont even matter they shouldnt even be contacting me for this because of that. 

So they are harassing me after I told them In writing not to bother me any further and I told them they are over the state statue to which they replied that state statues dont matter on this account which I thought was a total lie but at this point I am used to all this. Its the same guy that keeps calling me he calls me and uses different names and he swears he is not same person but I have received so many calls that I no how this person talks and I am going to Give all the evidence I have collected from these calls to My attorney and I will be filing a lawsuit and a protective order of protection if this does not stop immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a stay at home mom, who doesnt work and Bank Of America lied to me and contradicts everything they tell me. 

on XXXX of XXXX I called Bank of America in regards of my account. The representative explained to me he saw some charges on my account. I replied and said I didnt authorize those charges. 

The rep then stated he will submit a refund and within 90 days they will CONTACT THE MERCHANT and after contacting the merchant, they will then make a decision before closing the case. 

On XX/XX/XXXX of XXXX, BANK OF AMERICA reversed the refund which resulted my account being overdraft and they charge me an overdraft fee. ( {$69.00} was the refund ). I then received my stimulus check and because they took back the refund they gave me, my account was in the NEGATIVES and BANK OF AMERICA gave me a credit so My account will be positive again so I can get my full stimulus check. ( if they contacted the merchant and verified the merchant was already paid by my bf, then none of this would of happened ) the temporary credit was for {$43.00} which will end on XX/XX/XXXX ( all of this because no one reached out to the merchant and they caused my account to be in the negatives ) called Bank of America and was told, they NEVER CONTACTED the merchant because there was no urgency. I explained thats NOT what I was told and I was told they would reach out to the merchant before closing the case. 

I was advised that I would now have to submit my documents so they can reopen the case and that it would take up to 45 days I submitted the documents within one week of speaking to the agent. Then was told within 4 business days they would have a decision.

I called back within 5 business days and then was told 10 business days for a decision. I called back again and now was told 45 days again. ( Everyone keeps giving me new days of when this will be resolved ) Now XX/XX/XXXX is close and they will take back the credit of {$43.00} which will make my account go in the NEGATIVES again while they research the claim. For some reason no one can listen to all the calls I made where every agent in the claims department provided different information to me that contradicts what the last person said. And now Bank of America owes me {$69.00} and wants me to pay {$43.00} because of the overdraft fee they caused in my account. 


I was NEVER advised back in XXXX that they needed any documents! No one reached out and explained that I could of faxed them the documents, I only faxed them my documents because the case was reopen since they closed it!

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
Consumer complaint received 2021-02-04 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX  rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AZ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

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 2021-02-04 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: AZ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AZ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against WAYPOINT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
I refinanced our mortgage in XXXX and paid off Amerihome Mortgage Company on/around XXXX XX/XX/2020. I still have not received the remaining balance ( {$2000.00} ) from them. I have called twice and also opened a case online. Each time, I have been told it has been processed and to wait 10 days. The last time I called ( week of XXXX XXXX XXXX ), I requested an expedited check and was denied because they said it had been processed in late XXXX and was in transit. 

I understand there is a regulation that excess funds must be returned by the lender within 20 business days and this has clearly not happened despite my repeated attempts at resolution. Interestingly, I just received my Form 1098 from them indicating that the {$2000.00} has been refunded. 

I appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I paid a medical bill due to XXXX XXXX XXXX in the amount of {$3000.00} in full on XX/XX/XXXX. I received a phone call in the end of XX/XX/XXXX from a debt collector from Harris & Harris , LTD about this amount being owed. I informed them that I had paid the bill in full and they indicated they would confirm that is was paid and take care of it. I heard nothing else, no letters, no phone calls, nothing until XX/XX/XXXX when I received a settlement letter from Harris & Harris LTD for this bill that was never paid. I immediately called and informed them that I had paid in full. The debt collector stated that they saw my response in the notes but it was never removed and they had reported to the credit agencies this debt was outstanding. I immediately sent them an email correspondence and letter stating that it was paid in full. I have sent them additional correspondence and not heard anything for over 15 days.

Company response to consumer: Closed with explanation