vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX SOLD THE FINANCE OPERATION TO SPRUCE FINANCE. 
I WAS NEVER INFORMED OF THIS TRANSACTION, THEY SAID THEY SENT AN E-MAIL WHICH I NEVER RECEIVED. THEY SENT A BILL FOR PAST DUE AMOUNTS WHICH I HAD SENT A CHEK TO XXXX FOR THE MONTHS OF XXXX & XXXX. I TRIED CALLING THE NUMBER FOR THE FINANCIAL DIVISION AND NO RESPONSE. I WAS ON HOLD FOR AN HOUR AND A HALF, I TRIED AGAIN THE NEXT DAY THE SAME AND NO RESPONSE. I SENT AN E-MAIL OUTLINING THE PAYMENT AND CORRECT E-MAIL ADDRESS AND INCLUDED MY CELL # AND HOME PHONE #. NO RESPONSE ... .THEY HAVE AN F RATING ON THE XXXX WEBSITE AND I AM NOT ALONE THERE ARE MANY CUSTOMERS GOING THRU THIS NIGHTMARE. THE BILL THEY SENT WAS FOR {$350.00} THAT INCLUDES THE 2 MONTHS ALREADY PD. THEY CASHED THE CHECK AS IT APPEARED ON MY BANK STATEMENT AS OF XXXX. THEY SUPPOSEDLY SENT AN EMAIL ON XX/XX/17. I STILL HAVE NOT HEARD BACK FROM THE COMPANY. THE PHONE # THEY GIVE IS : XXXX. NO ANSWER JUST MUSIC AND WHEN IT BEGINS THE 3RD TIME AROUND YOU KNOW THEY AREN'T PICKING UP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to Equifax Credit Bureau and XXXX Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to 2 children and custody of my 3 nephews and take care of my XXXX  mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: FL

Complaint narrative:
CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX Asking to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.

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 2021-03-19 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: FL

Complaint narrative:
CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX XXXX to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( XXXX ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XXXX I sold my home which was financed through the service Shellpoint. They charged me over {$8000.00} for a prepayment penalty. After reviewing the provisions of Dodd Frank, XXXX the maximum you can be charged for a prepayment penalty is 2 percent of the principal for a mortgage two years old which is the amount of my mortgage. However, this was a higher cost mortgage and I was not offered another product by the mortgage broker during the time the loan was offered to me. My understanding is that Dodd Frank states in those situations a prepayment penalty can not be charged. The principal of the loan was {$180000.00} at closing. I had to sign the closing document under duress because I was not provided time to contest this prepayment penaltynor I would have lost the sale. The company has given me the runaround and the mortgage broker has done the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited money into an ATM and it failed! The ATM Kept my money and gave me an error code. I called to file a claim ( Claim # XXXX ). They gave me a provisional credit until they investigated and looked into it. I then received a letter saying they were going to take the money back because they couldnt located the funds. This is ridiculous. Theyre a bunch of thieves and crooks!

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MI

Complaint narrative:
Arvest Central Mortgage company is charging me for PMI insurance past the termination date. Loan documentation ( which they purchased the loan from the original bank ) clearly states that XX/XX/XXXX is the termination date of PMI. Additionally and most importantly, my amortization schedule for the loan very clearly states that on the XX/XX/XXXX payment date, that {$0.00} is due for PMI. 

However, they are stating that I owe PMI payment for my XX/XX/XXXX payment in the amount of {$100.00}. 

I feel they failed to automatically cancel my PMI insurance and I had to call on XXXX to have it cancelled. Since they systematically failed to cancel my insurance, they are over charging me for 1 month and claiming that i owe. They are unable to provide any loan documentation on their end to prove to me that the amount is owed. 

I am concerned for my {$100.00} and also that this is a procedural failure on their end resulting in the overcharge of many others. 

In several phone calls to them, I have been unable to convince them that PMI insurance is not owed on my XXXX payment. 

I have attached 4 files : 2 are the Private Mortgage Insurance Disclosure 2 are the Amortization Schedule ( which shows XX/XX/XXXX payment to have {$0.00} PMI due ) Loan was taken with XXXXXXXX XXXX  and purchased by Arvest My Arvest Central Mortgage account number is XXXX Property Address : XXXX XXXX XXXX XXXX, MI XXXX Kindest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: FL

Complaint narrative:
equifax is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either equifax or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-19 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: LoanCare, LLC
State: NM

Complaint narrative:
Had a big problem with XXXX XXXX getting my payments to XXXX via Loancare during XXXX, but when my husband and I were going to refinance our newly built home, the finance company told us our credit rating had gone from XXXX to XXXX all because of late payment reporting by Loancare . The finance company told me that we had been late a few times in XXXX and had not paid the XXXX and XXXX payment in XXXX. I have proof which I will attach later that ALL payments were made on time to XXXX XXXX XXXX, in XXXX, NM but in XXXX there was two months that XXXX XXXX did not pay the payment to Loancare because they were buying out XXXX XXXX and XXXX XXXX did not pay the payments even though they had received the money.. Then The payments were sent to Loancare with the wrong account number a number of times and then in XXXX and XXXX of XXXX they sent the payments to XXXX in XXXX ( and they can not tell me why that happened ) Payments have been supposed to go to Loancare in CA all along. I dealt with XXXX XXXX for XXXX ( she was with XXXX XXXX and continued on with XXXX Escrow when they took over ) I had other problems with the Escrow company because they did not send me the distribution of money that I was supposed to get but finally gave up on that. Out credit rating is much more important. I want to pay off Loancare ( I have the money ) and get rid of my headache with them and the Escrow Company but need to clear up my credit first. If you check you will see that we have NEVER been below XXXX on our rating and pay all our bills on time or ahead of time. Can not even reach XXXX now and am talking with someone that is supposed to be a manager named XXXX at XXXX XXXX. I have even more emails and such if you need them. We have a gentleman by the name of XXXX XXXX XXXX XXXX that signed a Real Estate contract with us in XX/XX/XXXX to buy the house and the XXXX XXXX company ( Then ) would get their payment, send the payment to XXXX/Loancare and send us he difference. I have proof that XXXX has NEVER missed a payment and is ALWAYS on time. It is the Escrow company in XXXX that started to XXXX things up. In XXXX I was assured that they would never report any bad credit to the credit bureau when I found out what was happening. I just want our credit rating restored since we have NEVER been late on anything. Over the years I have made numerous calls to Loancare to explain what was happening but also had a hard time getting to a human person. Hours on the phone each time trying to get to a live person. The Escrow company as of yesterday had not even paid the two payments that they sent to XXXX in error according to LoanCare.

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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I first received notice in mail on XX/XX/2021 from Transworld Systems for a debt that I dispute. 

I mailed a debt validation inquiry to Transworld Systems via certified mail, which was received by Transworld Systems Supervisor, XXXX XXXX on XX/XX/2021. 

To date, Transworld Systems has not provided any debt validation but continues to have a debt account open under my name. 

USPS Certified Mail Tracking Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed an online order at XXXX for a pair of XXXX Shoes in Size XXXX on XX/XX/2021 in the amount of {$120.00} using my Bank of America Debit Card linked to checking account. However, the merchant has shipped me a pair of XXXX Shoes in Size XXXX ( incorrect size ). After numerous emails, the merchant has provided me with a return shipping label, promising me to issue my refund immediately upon receipt of the incorrect item they had shipped me. I have shipped the item back using the return shipping label with XXXX tracking number XXXX. The package was received back on Monday, XX/XX/2021 by the merchant as the XXXX tracking number indicates. However, the merchant is now refusing to issue my refund. I have asked Bank of America to open a claim against the merchant, and retrieve my funds as I am no longer in possession of the item, and I have proof that the item has been returned to the merchant. Bank of America opened a claim. However, without taking into account the details I provided, they closed the case and reversed the temporary credit they had issued for me. The fund has been debited from my checking account even though I have returned the item, and Bank of America is not helping me to get my money back, and is not treating me fairly. I am asking CFPB to resolve the issue for me and retrieve my funds for this incorrect item, which I returned and Bank of America has failed to close the case in my favor despite all the evidence I have provided.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have tried for the last week to close my Account with XXXX XXXX issued by Regions Bank. Most of my calls end up on unending hold or I just get cut off. Today 's call was a transfer to the " Disconnect Department '' and then, after waiting on hold for a while, I got disconnected. This started out when I found out they were charging me {$10.00} per month for a card that they told my wife was free. So I see that as deceptive practices or outright fraud. All I want to do is close this account. I have zeroed out the balance by paying over the phone, that is the one thing that did work over the phone.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to XXXX Credit Bureau and Experian Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to XXXX children and custody of my XXXX nephews and take care of my XXXX mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.

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