vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Collection company called from XXXX regarding XXXX  debt with Wells Fargo checking account. Refused to email or mail me verification of debt, said they have done this before and it didn't help. I have not received anything from this company or Wells Fargo in 10 or more years. He threatened to sue me and take a lien on my moms property. When I told the debt collector she had passed away, he nastily said something to the effect that " I am a debtor ... and she would be rolling over in her grave. '' He hung up on me the first time that I told him I was aware of my rights and that this is a time barred debt. He said this does not apply to checking accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: T.S. Holdings
State: TX

Complaint narrative:
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of { {$6400.00} } with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was inadvertently signed up for auto pay with care credit and auto pay with my bank. My bank payments were made timely every month and the other auto payments were rejected. For months I would call them and say my bank just cleared the payment whats going on? They had no idea?? It was not until XXXX that someone at care credit figured out why I kept getting letters saying my payment was returned and they took off the auto payments through their website site leaving just my XXXX auto payments in place. I have never been late on this card and in fact just paid it off in full. However my credit will be affected by their incorrect reporting I would like this card reinstated for use as I have complied with their terms AND never been late. This company needs to look at peoples payment history before unjustly closing accounts. This is an error in their part and I suffer the consequences. UNFAIR TO SAY THE LEAST!!!

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello. 
On XX/XX/2021. 
I used my government prepaid Bank of America XXXX to make a withdrawal at an at Bank Of America ATM. ATM ID number XXXX located on trails village in XXXX XXXX NV. I entered for XXXX dollars to be withdrawn from my account. The ATM gave me XXXX dollars. XXXX XXXX XXXX dollar bill XXXX XXXX dollars bill and XXXX tens. Which one XXXX and XXXX dollars would be missing from my withdrawal. I called the back of my prepaid card they issued me a new debit card right away which XXXX not able to access! Which has now closed my deposits from my unemployment. I need my prepaid government debit card re opened so that I can receive my weekly government benefits. When I call Bank of America XXXX department they transfer me to numbers that eventually hang up on 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 monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
During the month of XXXX and XX/XX/2021 received numerous calls from an unrecognizable number and robocalls from XXXX XXXX XXXX  regarding a debt supposedly owed. 
Upon speaking to someone on XX/XX/2021 ( first communication XXXX the person informed me that they were trying to collect a debt/loan from HSBC bank. I asked the amount she told me in the amount of XXXX or more. I did ask the date of the debt but I can not recall the timeframe. I asked for account number to the alleged debt none was provided. She asked my PII such as last four of social, my previous residential address, the last four of my drivers license number. I explained to her that is not my debt and never had an account with HSBC. She asked me did I want to dispute it I said yes. She asked would I appear for court and pay all legal fees I said yes because I do not know what this is in reference to. That was it. No other information from this company was given. 
2nd telephonic communication on XX/XX/2021 I spoke with a XXXX XXXX. I tried to get more information out of him he told me I would only receive something from XXXX XXXX Court and that it will be received via being served to my place of employment or residence. He also verified my PII ( personal identifiable information ). He gave me an account number and then after telling him again that I did not have an account with HSBC he said he would shoot it back to their underwriter to double check the information and that maybe my information was cross matched with someone else. That process was going to take 7-10 business days. I even asked him why haven't I received anything ever from them or HSBC or the XXXX XXXX court which is the response they hadn't approved the " order '' yet, but then checked a system and said it was accepted on XX/XX/2021. 
On XX/XX/2021 I then contacted HSBC in the charge off department to find out if they had any information on me regarding this account via my social security number because I could not get an account number from PT Account Management. HSBC could not find any information but did say that they could find out more if they had the exact account number. 
I tried calling XXXX XXXX XXXX again on XX/XX/2021 at XXXX XXXX. Someone answered " mediation '' as they did on previous calls and told me to hold. I held for 8 minutes. They never got back to me. They have caller ID and knows who is calling and I know that because on prior attempts of calling they would not answer and kept forwarding my calls to another extension that no one ever came back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX garnished 25 % of my bi-weekly paycheck. Starting XXXX, totaling {$1500.00} They were represented by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed of intent to garnish the debt by the agency. I was informed of the garnishment by my job 's payroll department a week before the first disbursement. Copies of court papers and all other documents were furnished to me after the garnishment started. The agency delivered court papers to my old address unbeknown to me. When I did not respond to the courts due to no knowledge of the case, they were awarded the garnishment. I contacted the collection agency by phone to dispute the debt in XXXX of XXXX the lady on the phone said it was for a credit card with XXXX Bank back in 2007. I told her I never own that card or knew anything of it. She state the garnishment will be placed on hold pending further investigation. This did not happen, they continued the collection. After that I made numerous phone calls to their office in XXXX over a period of time, each time I was placed on extended hold time. Eventually the calls would be dropped. Finally when I got someone to talk with, I was told the person handling my case does not discuss ongoing cases. I continued to call only for each person being deceptive. They used the courts in a deceptive manner to garnish my wages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
Unfortunately my mortgage is with United Wholesale Mortgage ( " UWM '' ). I have been receiving notices from my home insurance company XXXX saying that UWM has not paid my house insurance premium of {$810.00} out of my escrow account. I spoke with UWM on XX/XX/2021 and advised my insurance company did not receive their payment. They never followed up. I called XXXX who advised me that they have been sending notices to UWM with no response or payment. On XX/XX/2021 I received the attached cancellation letter. I immediately called UWM and spoke with XXXX who asked that I email the cancellation letter to them which I did immediately. On XX/XX/2021 I received the attached email incompetently saying I just provided them with my insurance info that I've had on file for years. UWM fraudulently took {$810.00} from my escrow account and now my home is not insured and I'm out {$810.00}. This company is incompetent and corrupt. This company also refuses to transfer to management as well which is a sure sign of incompetence.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
I settled XXXX accounts with this company and I was told this was going to be taken off and reflected on my credit in XXXX and it is still on my credit. I spoke to XXXX on XX/XX/21 and XX/XX/21 about these accounts. The confirmation # XXXX is for the account # XXXX. The confirmation # XXXX is for account # XXXX. These were both settled for {$150.00}. 

This negatively impacts my credit and needs to be resolved. It is stated on XXXX XXXX that this meets FCRA requirements. It is under dispute with XXXX and XXXX  to be taken off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
We was approved for a mortgage for XXXX the house we was looking at was XXXX at first Was told we live too far from the property now theyre saying that we dont make enough money for the loan and the loan is too big for what we ask her for but we was approved for XXXX and the loan is XXXX we were short application fees appraisals

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: MI

Complaint narrative:
This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although XXXX has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the 3 major credit bureaus and it was removed from XXXX  and XXXX but not Equifax. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to XXXX to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing XXXX can do. When I also reached out to XXXX via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked XXXX since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from XXXX. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and XXXX. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against XXXX and the provider, I want this collection removed ... immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: NJ

Complaint narrative:
I inquired with XXXX XXXX of Highlands Mortgage regarding mortgage rates for various investment properties I was considering buying. Specifically I emailed him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, with specific properties I was considering at the time. I then asked him a few follow up questions via email. I had not yet given him any personal information, credit information, or applied for any loan. I also did not give him any information on the properties I was considering, other than a general price range and cities. All of a sudden, the evening of XX/XX/2021, he sent me the following vague and unhelpful email : " The XXXX XXXX is going to respectfully remove itself from consideration on these loans. 100 % understand and respect the investors need/right to secure the absolute best rates/terms/service you can find. But we wont be the right fit in this case I believe. We wish you great success in all your RE pursuits! '' Thinking there was a misunderstanding, I sent him a follow up email to ask him what the concern was. The next day, XX/XX/XXXX, I again emailed him to confirm that he was not discouraging me from applying for a mortgage. I then submitted an application on his website on XX/XX/XXXX, and provided him all of my personal information and documents that he would need to make a decision. All of these emails have gone unanswered. The application I submitted over XXXX business days ago has not yet started processing and he has not done a credit check. I have not received a GFE or a denial, or even any reason for his vague email. 

Because at the time of XXXX XXXX 's email, I had given him no personal information about myself, including my SSN or financial information or documents, there was no legitimate business reason for his XX/XX/XXXX email discouraging me from applying for a mortgage with him. The ONLY information he had about me was my name and the fact that I was rate shopping, neither of which is a permissible basis under the XXXX and XXXX B for discouraging a mortgage application. Further, by not providing me a GFE within XXXX business days of my application, XXXX XXXX is in violation of the XXXX. By not providing me any rate information for the past few days or taking any action on my application, he has caused me to miss out on a beneficial mortgage, with a discriminatory purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
I submitted XXXX request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section XXXX XXXX b ). 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX my Wells Fargo credit card had balance of {$270.00} which I paid in full 2 days later. Unbeknownst to me they charge me {$25.00} dollar later fee and interest on that late fee for the next 2 months. I found this out when my mortgage refinance lender told me Wells Fargo reported me 30 days late. XX/XX/XXXX I called Wells Fargo and after several transfers and waits, XXXX told me she would fax a copy of the Rush Credit Dispute along with mention that the now waived late fees and subsequent interest will be credited back. This false reporting by Wells Fargo is directly affecting my finances. I consider this theft at this point. My refinance lender told me they did not receive anything yesterday XX/XX/XXXX as stated by XXXX. XX/XX/XXXX When I called to find out why no proof of service was sent like I requested I was told they could not do that. Well Fargo created this problem and wont send an email or communicate with another bank to help a decade long customer. I expect better service after so many years. I have personal and business account with them but likely will not any longer if they don't make great strides compensate me for lost time, money, and reversing the ill-effect on my credit report.

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have a previous complaint about this company. I checked my credit report & saw that Midland Credit Management continues to update remarks on my credit report by decreasing my account by {$1.00}. What is the purpose of this other than to continue to damage my credit & try to get me to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The problem I am having is with escrow with NewRez LLC ( Shell Point Mortgage ). NewRez took over my mortgage on XX/XX/XXXX. There never was a escrow account. My wife and I paid the house insurance and property taxes. The house insurance was not renewed by insurance company in XXXX. There was a few months the house had no insurance due it being difficult to find a company to insure the house. NewRez charged me for the months without insurance until I obtained house insurance. I provided proof of insurance and received a refund check from NewRez for balance owed to me. The problem was NewRez never contacted me, created a escrow and raised the mortgage payment from {$1100.00} to {$1600.00}. We could not afford that amount. NewRez did not offer to spread out the amount of money that was owed for house insurance. I called many times to try to get this corrected but it was never corrected. We did pay extra money when we had the means to pay off what was owed for house insurance. NewRez is still saying we owe them. Now there is a problem with XXXX property taxes. The XXXX property taxes were paid by Shell Point Mortgage on XX/XX/XXXX without telling me. They charged me {$4900.00} when the amount paid on the tax receipt is {$3500.00}. The property taxes were not late and were due by XX/XX/XXXX. This time they raised my monthly payment to {$1700.00}. They have caused a lot of stress and problems for my wife and I. It's ridiculous they can not fix the issues. I have wasted a lot of time calling them. This is not right or fair. We don't want to lose the house. I hope someone can resolve this and prevent this from happening to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation