vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
We paid our mortgage loan off with Colorado Housing and Finance Authority ( XXXX ) in XXXX of XXXX. XXXX is serviced by XXXX XXXX  XXXX. I initially opened this mortgage loan in XXXX. We were informed that the remaining amount of {$3500.00} in our escrow account would be refunded to us immediately. The Escrow refund check was supposedly sent out on XX/XX/XXXX. We were told that we had to wait 30 days to request a stop payment on that check in order for a new one to be reissued. 

On XX/XX/XXXX, we contacted XXXX to have the stop payment put on the check and request a new check issued as they stated they would do after the 30 days. Then we were informed that the check could not be reissued for ANOTHER 30 days, bringing us to XX/XX/XXXX. We called on XX/XX/XXXX to again request the reissuing of the escrow refund check. They said they will submit a request to have the check reissued. Called on XX/XX/XXXX to verify that check had been reissued and the representative said it had not been issued out yet. 

On XX/XX/XXXX, I again called and could not get an answer from anyone on the status of the check. Over these NUMEROUS phone calls between XXXX and I, I have also requested to speak to a Supervisor in which I was always transferred to a voicemail. I have NEVER received a return call from anyone at XXXX. There is also a consistent issue of a rep putting me on hold to look in to things, only to transfer me to another rep to start the whole thing over again because they simply did not want to deal with the problem. Furthermore, my wife, who is authorized to speak on my behalf has always been able to discuss the account. The account is now archived, even though our escrow has yet to be refunded to us, and suddenly she can no longer speak to anyone about the account. I am unsure how businesses can close and archive an account when there is a refund still owed to the customer. 

We have got the complete runaround for more than 3 months now on our escrow refund check and nobody at XXXX/XXXX has taken the effort to actually send us a refund check or actually address the issues by getting to the bottom of what is actually going on. This is the absolute worst experience I have EVER had with a mortgage company. Refinancing with another company, for half the interest rate and excellent customer service, was the best thing we ever did. After reading numerous other complaints about the same exact issues, I would suggest that the appropriate agency needs to investigate how this companies manages money and their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a purchase at XXXX XXXX on XX/XX/2020 in the amount of {$3700.00} and put it on the store credit card. After my purchase for about 1 month I did not receive a statement or a Store card in mail. I contacted the company that provides the Financing for Comenity bank that I had not received my statement and Credit card in mail. I was informed by the Customer Service Rep that the statement is in the mail. After the 2nd month I contacted Comenity bank again that I had not received the Credit Card or the statement in mail. At that time they verified my Home Address and indicated to me that they did not have my correct address on file. They had a completely wrong address on file, that I did not provide. So my statements and my credit card was sent to wrong address. They corrected the information, and since my account was past due took a payment from me and removed the late fee as it was their fault. My account was brought up to date until my next payment would be due on XXXX XXXX. 

I was also walked through accessing the account online and I was able to setup an automatic payment that would get taken out from my Checking Account. On XX/XX/XXXX, I received a letter from Comenity bank indicating that my automatic payment was cancelled. The letter did not indicate why it was cancelled. When I logged into the account online, I did not see the account that I had setup and also my account was showing past due and I was once again assessed a late fee. 

I setup Automatic payments again for the next payment cycle and went ahead and made a payment online to bring my account current. I contacted Comenity bank disputing the Late Fee, indicating to them that I had setup an automatic payment and I am not sure why it was removed and cancelled and why I am being charged a late fee and would like the late fee removed. The rep and his manager told me that they could not take off the late fee because they can only take 1 late fee off in 18 months. 

The first late fee was taken out because it was clearly an error on the Credit card company side. It seems to me that Comenity bank is making a revenue stream by removing a customer 's automatic payment information and then charging them a late fee. They have no system in place to verify that the automatic payment information is correct and they do not notify the customer if the information does not verify, they simply charge their customer who may have entered their information in good faith. I do believe this is very misleading and hurts many consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX  account open and they insist that the information belongs to me. 
When I called Bank of America and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong 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 explanation
Consumer complaint received 2021-01-21 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: VA

Complaint narrative:
I submitted a dispute with Equifax ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Equifax, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence and Equifax disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Equifax on XX/XX/XXXX and on XX/XX/XXXX and Equifax completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because XXXX XXXX validated the late payment. Equifax confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also Equifax refused to connect me with a supervisor and instead they referred me to dispute this with XXXX XXXX. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
on XX/XX/2021, I sent PORTFOLIO RECOVERY ASSOCIATES, INC A LETTER DISPUTING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.ASKING FOR THE VALIDITY OF THE DEBT AS WELL AS OTHER DOCUMENTS CONCERNING THE ACCOUNT, IN WHICH I HAVEN'T HEARD FROM.I WILL LEAVE A COPY BELOW OF THE LETTER FOR YOUR VIEWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " Consumer Finance Accounts ''. I have no open consumer finance accounts. I called Experian and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. 

Experian compared all of the accounts ; and does not understand it. He did state that I have 3 XXXX accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with XXXX and they said the accounts were closed and transferred back to XXXX due to my old chapter XXXX. 

Essentially ; I have 6 XXXX accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.

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 2021-01-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
On XX/XX/2020 Shellpoint took over my mortgage payments from Deitch ( Greentree ). At that point I had already submitted a request from Deitch for my payment records because I had realized there is a large balance due which should not be because my signed original contract ending on XX/XX/2020. 
I have contacted Shellpoint numerous times both by phone and email asking them to correct this, with no response. 
At that point I started investigating this and discovered Greentree had been sued by both the Federal trade commission and the Consumer Financial Protection Bureau for numerous illegal transactions. 
There fore I have ran out of time because my signed contract for 300 payments have been completed in XXXX of XXXX 
With no attempt from Shellpoint to correct this matter, I contacted the State of Kansas Office of Attorney General for assistance. They have been working on this with no avail also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
MORTGAGE COMPANY IS NOT PAYING TAXES OR FIRE TAXES, GETTING DELINQUENT NOTICES AND HOME WILL UP FOR AUCTION IF NOT PAID BY XXXX OF XXXX. REFINANCED ON XX/XX/XXXX WITH SAME COMPANY PAID XXXX IN CLOSING COST TO HAVE MY MORTGAGE LOWERED NOW AFTER CLOSING WHICH WAS TO BE XXXX A MONTH THEY INDICATED MY MORTGAGE PAYMENT IN XXXX WOULD BE XXXX A MONTH. IN LOOKING UP MY ACCOUNT THEY SHOW MY NEW PAYMENT EACH MONTH IS XXXX A MONTH. THERE EXPLANATION WAS THEY MESSED UP ON MY ESCROW ACCOUNT. 

THIS IS UNACCEPTABLE TO BE PUSHED TO PAY AN OUTRAGEOUS AMOUNT EACH MONTH AND THEY ARE NOT PAYING TAXES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX  they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX not reporting information correctly.

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 2021-01-21 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:
I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX they tell me there is nothing they can do. I want as far as requesting a credit report from experion on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that XXXX XXXX reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX  not reporting information correctly.

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 2021-01-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Today i received court documents with a court date for midland credit management, inc ... i was never notified that they were even filing a lawsuit ... i was never even offered the option to set up a payment plan to resolve the issue

Company response to consumer: Closed with explanation