vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
At closing my initial escrow starting balance was {$1400.00}. However, my 1098 from my lender Homebridge Financial Services XXXX Inc shows my starting balance was XXXX. Homebridge Financial Services, Inc was paid towards my tax escrow for XXXX. However, I received a letter from XXXX County stating I was delinquent on my taxes and that a tax lien was going to be placed on my property on XX/XX/XXXX as my taxes were due in XXXX of XXXX. My mortgage lender Homebridge Financial Services , Inc failed to pay my taxes and when I tried reaching out both by email and phone I couldn't get anyone on the phone to actually look at the closing documents or pay the taxes prior to the lien date. I was given a run around all the times and I was hung up on several times when I asked to escalate the calls. Therefore I had no choice but to pay the {$1600.00} of the taxes out of pocket and use a credit card plus my saving so my house wouldn't go on sheriff sale on XX/XX/XXXX as the county had said that would have been the date the house would go on sale on. I have attempted to call my lender so can they refund me my money including all the interest on my credit card and the penalties that was charged to me by my county. All the times I have called Homebridge Financial Services the people are rude and will not listen to my issue and will not even look at the closing document to see what happened. I have had to retain an attorney to get this resolved and have paid retainer fees out of pocket just to get them to do what is right and what should have been done from day one. My emails have gone unanswered at all. I also tried getting my Mortgage Broker to reach out to someone within the company and have not had any luck and the closing attorney have not been able to help outside of sending me my copies of the closing documents showing Homebridge Financial Services , Inc was paid at closing and it is out of their hands.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I XXXX XXXX XXXX the consumer received a letter from Portfolio Recovery Associates stating an alleged debt is owed.This is a violation pursuant to 15 USC 1692b ( 2 ) A debt collector shall not state that a consumer owes any debt.I gave no consent to Portfolio Recovery Associates to contact me at anytime pursuant to 15 USC 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was fraudulently charged on my credit card and the bank decided on the favor of the merchant that charged my card with out asking me anything. I kept calling and they said they are reopening the case and they are not doing anything about it and still charging me. 
I have been with Bank of America for more than 30 years now and feel that the bank should be protecting its customers against people that are stealing. 
The charge is from XXXX XXXX in the amount of {$2100.00} on XX/XX/2021

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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XXXX XXXX, 2017, LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, 2017, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NM

Complaint narrative:
I have had ongoing issues with Equifax incorrectly reporting an auto loan account with XXXX XXXX XXXX XXXX XXXX. Initially they reported the account as closed when it was open, and subsequently when the account was paid in full in XX/XX/2020, they continue to report the account as open with a balance of {$6500.00}. They respond to disputes that they have " verified '' their inaccurate information. Complaints to the CFPB have been satisfactorily " resolved '' based on Equifax reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP
State: WA

Complaint narrative:
This is with Sterling National Bank. XXXX bought out my mortgage company, XXXX XXXX, in XXXX. I had paid off my mortgage in XXXX but XXXX never filed release of lien to my county records. This is causing my new mortgage to be rejected. I had called XXXX numerous times for them to send appropriate paper work to my county. They tell me that I have to email to their research department and there is no phone number for me to call. They refuse over night mail or emailing of my documents. Since they have collected all the money they can out of me, XXXX is in no hurry to correct a mistake made over a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am 100 % XXXX losing XXXX unable to XXXX  and no longer have XXXX  after 2 XXXX XXXX and a XXXX  XXXX. My health is further deteriorating and upon death they may take this amount from my estate which is what my family my need to take care of these expenses. I have a balance less than {$800.00}. I was put into a hardship program after the first XXXX XXXX because I had no income. I now receive {$900.00} in Social Security but have expenses such as rent food utility. I called XXXX to negotiate a pay off of half and they have refused. I have been paying this loan for almost 6 yrs.They offered a pay off {$100.00} less as a pay off. I am asking that you might be able to help me work with them. I am not asking for anything much except to at least pay this balance of with a smaller negotiated amount. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, Home Depot & credit bureau, XXXX. Home Depot send me a letter on XX/XX/XXXX stating they will remove the hard inquiry. As in XX/XX/XXXX, Home Depot or XXXX  have yet to remove a fraudulent hard inquiry on my credit report known as XXXX/CBNA dated 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 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent a letter to LVNV Funding regarding a collection on my credit report requesting proof showing that this belongs to me. they sent me back a statement dated XXXX XXXX-XXXX  2016 with my name and a address that I never lived. and demanding that I pay it. this account is not mine, Someone is using my personal information to establish credit account ( s ) to obtain goods and or services. I never lived at this address and I have never opened, nor did I authorized anyone to opened nor did I benefit, or will ever benefits from the account in question ( reference ID. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
i am very saddened that someone stole my identity and used it to open several accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have already submitted a complaint and the company did not follow through to have the inquiry removed as previously agreed in XXXX on XX/XX/20

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I notified American Express in advance that my payment was going to be late that was due on XX/XX/2021 because the XXXX XXXX made a processing error that was no caught in time. I received a phone call 5 business days past my due date on XX/XX/2021 from a Debt Collector harassing and threatening me to cancel the check and wire funds immediately. The Debt Collector requested I make an additional payment instead of the original amount. I did not cancel the check. American Express received the check same day. I also had to ACH additional funds because American Express kept freezing and putting my account on hold. I was not able to use my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I called a couple days ago to report my XXXX XXXX as lost/stolen. I thought the card was lost ( turns out I had just misplaced it ). XXXX, as is their practice, issued a new credit card with a new number. The next day, I received a credit monitor email from XXXX XXXX noting that my score had severely dropped with XXXX XXXX XXXX ( and presumably other bureaus, although XXXX XXXX only uses those two ). The reason for the drop was that Paypal Credit Card, issued by Synchrony Bank, had listed my account as closed with the credit bureaus, even though all I did was get a replacement card ( with a new account number ). Even though they correctly listed the reason as " lost/stolen '' card, I was severely penalized based on how they reported the lost card to the bureaus. One bureau showed a drop in my score by XXXX points, and the other by XXXX points! When I spoke with XXXX, they explained that XXXX had many options for reporting the replacement card, and they didn't have to report it as a closed account. I don't believe this is the industry practice, and I believe it may very well violate federal law to penalize someone so severely ( or at all ) on their credit score simply for reporting a lost/stolen card. Surely this can't be legal, and if it is, it definitely isn't standard practice. I hope the CFPB will help protect consumers from such actions. 

When I spoke with XXXX XXXX, they were not very helpful. They put me through to a XXXX who wouldn't even connect me with the department that handles such complaints. Instead, I was told they would investigate and send me a letter. This could take weeks or months! When I asked for someone to follow up by phone, they even told me that they would not do that. Unbelievable. 

Please note that the credit card number supplied is for the OLD credit card that was lost. I have not received the new one yet, so I do not know the new card number.

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 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have gotten behind on my Auto loan in XX/XX/2021 due to being laid off due to Covid-19. I have called my Auto lender about my situation. I explained I will be out of work for about 3 months & requested payment forbearance, Extension or pay interest only. After being on hold & phone several times & talking to multiple customer reps I was allowed only one month extension, no release of late payment fees & still reporting me to credit bureaus as late. They have no set plan to help or work with there customers with financial hardships due to the pandemic that is been ongoing for a year. Very sad & pathetic for such a large bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I've contacted XXXX XXXX directly and XXXX funding to no avail. I've disputed it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
I am writing this letter in an effort to remove inaccurate, outdated, charged-off, and fraudulent information from my credit report. I have made several attempts to get the issues resolved. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : DEBT RECOVRY SOLUTIONS ( # XXXX, # XXXX ), XXXX XXXX # XXXX, U.S DEPRTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX XXXX # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please REMOVE/DELETE these inaccurate misspelling of my name IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX *My address is XXXX XXXX XXXX XXXX, Ohio XXXX Please REMOVE/DELETE PHONE NUMBERS : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX *My phone number is : ( XXXX ) XXXX Please REMOVE/DELETE SOCIAL SECURITY NUMBERS : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Attempted several times to log onto my.equifax.com. After calling equivalent multiple times over the past 8 weeks, the problem remains unresolved.

I can not see my score nor my credit report. Each person claims to assist and that its an IT problem.

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
An incorrect amount was submitted by XXXX XXXX to a collection agency " TRANSWORLD SYSTEM '' when I called the collection agency they did not have an right answer for me so I got connected with XXXX  via my insurance rep. But XXXX also couldn't provide me an explanation why my balance were higher than insurance determined amount. See Attached letter that was faxed to XXXX along with the EOB from insurance which shows the actual amount that I should be responsible. I had lab work done on XX/XX/2020 after insurance payment/determination I was responsible for {$4.00} but XXXX sent incorrect amount of {$170.00} to the collection agency. Collection agency never sent me a notice/letter out to pay for or settle it. I faxed all the papers to XXXX on XXXX XXXX but did not receive any reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Friday XX/XX/21 at XXXX PM I received a text message from ( XXXX ) XXXX saying " Free Msg-Bank Of America Fraud Alert- Did you attempt a pay a friend payment for the amount of {$3500.00}? Reply YES or NO or 1 to Stop Fraud Alerts '' I replied " No '' The number then texted me back saying " Free Msg-Bank Of America Fraud Alert- A representative will contact Reply YES or No or 1 to have a representative contact you '' At XXXX XXXX I received a phone call from ( XXXX ) XXXX from a representative at Bank of America XXXX He told me there was a XXXX XXXX from XXXX Florida trying to access my funds. He said in order to reverse the {$3500.00} that was taken we would need to set myself up as a recipient thru my bank mobile app. I added myself as a recipient with my First and Last name and my email. He said we will do this in 2 transactions, the first transaction I will be sending myself {$1000.00}. The second transaction will be {$2500.00}. I only had {$1000.00} in the account on that day. I explained that I will be negative if I complete these 2 transactions. He assured me that I was paying myself and reversing the " fraud activity ''. I questioned it again and asked if I can just complete this process at a bank. He assured me that the funds will reflect in about 45 min to an hour on my bank statement. He gave me a claim number of " XXXX '' and asked if there is anything else he can help me with. I thanked him and asked him for his name. He replied with " It's uhhh ... .XXXX '' And hung up. My heart sank and I immediately called Bank of America to dispute the transaction. They told me that it is not considered fraud because I had authorized the transaction. I called the local police department ( XXXX Police ) to file a police report. An officer called me back and told me that the XXXX number that had texted me was from Michigan and that this is now a Federal issue because it is across state lines. The police officer told me to use this website to report the fraud activity.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second time submitting a complaint. The first time was on XXXX/XXXX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.

Company response to consumer: Closed with explanation