vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I was notified by the XXXX County Tax Assessor-Collector that Dovenmuehle our mortgage co. failed to pay the following expenses from my escrow account : XXXX Property taxes of {$7700.00} ; now {$8300.00} because they are past due. 

I emailed XXXX XXXX XXXX ( attention tax department ) and attached the bill on XX/XX/XXXX when the matter 1st came to my attention. I also called Dovenmuehle re : the unpaid taxes on XX/XX/XXXX. I called again on XX/XX/XXXX and the representative told me the matter was to be resolved by XX/XX/XXXX. I called again on XX/XX/XXXX and spoke to XXXX because the taxes were still outstanding per the HCAD website. XXXX said the matter should have been resolved in 10 business days. I followed up again on XX/XX/XXXX as the HCAD website still showed the taxes unpaid, so I again called Dovenmuehle and sent another email to XXXX XXXX XXXX ( attention Tax and Escrow Departments ). It has been more than 30 BUSINESS days since I first contacted Dovenmuehle re : the unpaid XXXX taxes. I again called and emailed XXXX as well XXXX ( attention XXXX, Taxes and Escrow ) on XX/XX/XXXX because the taxes are still unpaid and Dovenmuehle has yet to provide any reasonable explanation for the delay. I also had an online chat with XXXX re : the matter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery Group placed a collection account on my report on XX/XX/XXXX. The only contact I and my wife received from Phoenix was via email. ( See attached ). The information was disputed with each credit bureau on XX/XX/XXXX. They did provide information concerning the validation of the debt. The debt was disputed directly with XXXX XXXX XXXX and Phoenix Recovery Group on XX/XX/XXXX via fax and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Credit Plus Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit frca violaitons

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have the Citi Double Cash card and used their " citi flex pay '' plan to purchase my new roof. I needed to create two plans both in the amount of {$5400.00} at an interest rate of 5.99 % each with a payment plan of 24 monthly payments in the amount of {$240.00} totaling $ 484/month. I typically only use this card for larger purchases and pay them off right away. I purchased a couch in the amount of approximately {$1500.00} and immediately made a payment for that amount. Unfortunately, the couch purchase had not " posted '' to my account and thus the {$1500.00} payment was taken off of my flex pay plans resulting in them being paid off much more quickly. I requested that Citi reinstate that amount on the plan and apply the payment to the {$1500.00} purchase that had since posted to my account as opposed to having to pay a higher interest rate XXXX 15.99 % ) on that couch purchase. Citi is refusing to do this and has been confusing, misleading, and unclear in their explanation. Essentially, I am being penalized and now face nearly $ XXXXmonth extra in interest because I paid off a purchase too quickly. Their process for flex pay is not clear and they are refusing to be flexible. As such, I am being penalized and they are quite literally stealing money from me because I paid off a larger chunk of my bill. I find this absolutely ridiculous and would like to find a remedy. Again, I have contacted Citi and they refuse to meet my needs or negotiate with 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 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and XXXX ( they were hired by LVNV FUNDING LLC ) said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the XXXX balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a XXXX  balance letter, but they only seem to be having me run around in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit located at XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been sending me collection notices of {$410.00} due. This collection is reported as past due. I do not know this company nor have I ever done any business with them. They do not have a contract with my signature. I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from Bank of America that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RE3SULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pro Com Services of Illinois, Inc.
State: MO

Complaint narrative:
Account Name : PRO COM SERVICES OF ILL Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection Account of {$420.00} The information above is on my credit report, and it's from a collection agency which is an infringement on my right provided by the Fair Credit Reporting Act because I was not informed in any way possible ( mail, email, or a phone call ) about the debt. I called the agency and I was told they sent a letter back in XX/XX/XXXX. I moved to a new address on XX/XX/XXXX, so I would have seen the letter ( s ) they claimed they sent. The most unfair part is the debt they claimed I owe is in the amount of {$420.00}, if I got the letter ( s ) they claimed was sent and I was able to verify the debt, I would have paid it. I have an unfair negative item on my credit report because of this.

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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/1998 I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. At the time my mortgage company was XXXX XXXX which bought XXXX XXXX in 1998 and assumed the name XXXX XXXX ) the previous owners at the time were XXXX and XXXX XXXX and the mortgage company was XXXX XXXX XXXX, and that mortgage company didn't discharge the loan with county in Vermont. I'm currently in the middle of trying to sell my house and the title search company was the one that found the error. There were apparently 2 successor banks dueling over who was the proper interested lender. XXXX XXXX had the original mortgage and they merged into XXXX  XXXX XXXX. However, there was a purchase at some point by Chase of certain accounts. So Chase and XXXX needed to decide who could handle the matter. The mortgage references both XXXX XXXX XXXX, which became XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX, which became Chase. However, both Chase and XXXX are telling me they have no record of this mortgage and need evidence of the payoff. Right now I'm out about {$7000.00} dollars because of this error and it doesn't seem like Chase who bought that account is trying very hard to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
I have continuously disputed this account with the credit bureaus and the company itself. This account is being reported inaccurately and I want it removed immediately from all credit reporting agencies. It went from closed, paid charge-off in XXXX to having a balance now. The original balance also changed. It went from {$2000.00} in XXXX to {$2200.00} in XXXX.The date opened changed as well. Another issue is that they are updating it ever month as a charge-off. A charge-off can only be charged off 1 time. How are they reporting 3 charge-off on my credit report in XXXX and 2 charge-offs in XXXX? I was denied a loan because they said I have recent charge-offs on my account. They reported a new charge-off for XXXX, XXXX and XXXX of this year. I have attached the copies of my credit bureau report that show the differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
Arstrat repeatedly calls me from XXXX within minutes apart. This happens multiple times a day. Missed call XXXX XXXX, Answered their call XXXX XXXX ( 2 incoming calls from them within 6 minutes ), Missed call XXXX XXXX, Missed call XXXX XXXX ( 2 incoming calls from them within 7 minutes apart ), Missed call XXXX XXXX, Answer their call XXXX XXXX ( 2 incoming calls from them within 4 minutes apart ), Missed XXXX XXXX, Missed XXXX XXXX, Missed call XXXX XXXX, Answer their call XXXX ( 2 incoming calls form them within 2 minutes apart ). When I have advised them this is a CFPB complaint, I was advised well I should just answer so they can talk to me. I work and can't continue being harassed as this is distracting to my work production and has caused compliance issues for me at work. Every time I answered the 2nd back to back call from them, no one says anything and shortly thereafter they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My attorney, XXXX XXXX, XXXX. has offered Wells Fargo a short payoff amount of {$1.00} XXXX of {$1.00} XXXX owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, XXXX has not presented a payoff letter. The representatives have been hateful to Attorney XXXX and her paralegals. The Wells Fargo representatives are hanging up on her staff rather than giving Attorney XXXX  an answer on the status of a decision. Secondly, Wells Fargo has requested the same paperwork over and over again for more than a year. Usually after 90 days, Wells Fargo will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note : Wells Fargo is requesting the same documents I had already provided months before. But, I do provide them. Next, I am always receiving letters saying that Wells Fargo will have an answer on or before XX/XX/2021, for example. But, the deadline will pass and there is no response. I need to know from the Consumer Financial Protection Bureau why Wells Fargo continues to delay providing a short pay off letter to that I can sell this property to an approved buyer who has provided proof of 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 2021-04-07 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: FL

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX  XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX  XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have an account reporting on my credit belonging to GM Financial. I purchased a car from XXXX XXXX XXXX in XXXX. In XXXX my job was moving me out of the country and I did a voluntary surrender on this car. In XXXX I had a balance on the car of {$14000.00} but we settled on a balance of XXXX ( see Exhibit A attached ). In XXXX of XXXX met with a judge and agreed on an amount to have taken from my paychecks to satisfy the account. I was garnished from XXXX to XXXX. To my knowledge the balance was satisfied. I held the same job with the same corporation the entire time. But this account is STILL reporting on my credit with a balance of XXXX. This is an illegally calculated and reporting deficiency balance. I have reached out to GM Financial multiple times and received nothing but the court documents. Nothing relating to the satisfaction of the judgement. I find it hard to believe that 10+ years of garnishment has not settled this debt. I am desperately in need of help. According to my credit reports, my last payment was in XXXX, inaccurate! Just with the dates given and proven in the documents attached, this account is FAR past 7 years from default. I will fight with the courts on the satisfaction of the judgment but PLEASE remove this illegally reporting account from all of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
My loan servicing history shows that the property taxes that are collected with my monthly mortgage payment was disbursed from my account in XX/XX/2021. 
I received a delinquent property tax notice regarding the property taxes on XX/XX/2021. 
I contacted my loan servicing company. 
All that they told me is that they show that the property taxes are disbursed to third party processing company and they are responsible for getting the property taxes paid. 
I have since refinanced but my disbursed property tax payment is still missing ( {$570.00} est ) and I had to pay the installment again thru the close of my new loan plus the penalty ( {$600.00} ). My property taxes have now been paid twice by me yet only the delinquent payment has posted to the County. 
Also, the loan servicing history shows that my property insurance was disbursed in XX/XX/2021 and that has not been posted with my insurance company. When I refinanced a full year insurance premium was being collected thru the close and that amount has been posed to my account. The loan servicing company shows they disbursed the insurance premium but no one can tell me where that payment went because it did not go to my insurance company. 
So, I have paid my tax installment twice and my insurance premium twice. I am out of pocket almost {$1100.00} from my refinance.

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 2021-04-07 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: DISCOVER BANK
State: FL

Complaint narrative:
While checking my credit report, I notice an account from Discover Financial SVCS LLC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Discover Financial SVCS LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation