vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAP1XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
In XXXX of XXXX, we began the process of completing a mortgage modification package with Specialized Loan Servicing, the company that currently services my loan. During this process i have completed at least 5 applications in an attempt to give the property back to the back. Each time their was a significant delay ( 2-3 months ) with the company reviewing my file - the have consistently asked for proof of income, bank statements etc and each time I provide them with the requested documents but their is always a reason why they can not process the paperwork. Their was a second mortgage on the property and i was told that I needed paperwork from the second lender after waiting over 6 months for a response that say they would settle the loan for a reduced amount. Then once I got that, I was told that they could not process my application because I had a second lien on the property and it needed to be removed and they would not settle with the second lien holder. By this time, the 2nd lien holder released the lien, this was in XXXX of XXXX and I was told I needed to complete yet another application ( this was the 3rd one ) and had to begin the process all over. Then I was told that the property was not in broom sweept condition so, I hire a company to clean the house and to remove the items in question in XX/XX/XXXX. They then told me that the system closed out my application automaticly because it took too long to resolve. So, i had to complete another application ( each time having to wait several months for them to review ). Application # 4 was submitted. Then I was told that they could not open my file up because someone on the staff closed out my file by accident. I had to complete a 5th application and still have not heard back about my account which has been pending since XXXX of this year. I called every week, several times a week and finally in XXXX I was told that their was a tree stump and some branches near the central air unit outside that needed to be remove and that they would not close untill it was done. I sent the company I hired back over to the property and they took a picture for me ( I am out of state ) and their was no tree stump or branches near the central air unit. I called again and told them this, I was told they needed to do another inspection on XXXX and it still has not be done. It has been over 2 years since I begin working with the company and they have tried every dirty trick in the book. In the meantime this is hurting my credit each month that it is being reported and interest is continuing to grow over the past 2 years that i can responsible for. 
I need your assistance with resolving this as I have been more than patient with this company.

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I do not pay property taxes in Illinois because I am a XXXX veteran from injuries sustained fighting in XXXX. I bought my property XX/XX/XXXX, since then I have been escrowing taxes as if I owe the full property tax ( approximate {$4200.00} ). In XX/XX/XXXX I received the correct tax bill ( {$750.00} total for XXXX, only because I did not live at the property the full year ) and requested my lender refund me the overpayment ( I've completed this task 3 times in the past with different lenders, never had an issue ). My current lenders own Escrow analysis conducted in XXXX shows that they will collect XXXX in taxes ). In 5 attempts the lender refuses to give me back the excess in escrow and keep repeating that they have not receive documentation on my behalf which is not truthful since I have email receipts with attachments ( the excess was not paid to the county, but remains in escrow ). Additionally, I then requested a new escrow analysis but they do not want to execute it. I have made attempts to rectify this but they keep ignoring my main requests. My monthly mortgage payment would be lowered considerably each month if they would just help me. Additionally, I received another email from my lender saying that next year I have a tax liability of {$350.00}, which makes no sense since next years tax bill has not been created. Every time I reach out they give me wrong answers and avoid my request. My Lender is XXXX XXXX ( Dovenmuehle Mortgage Inc ).

*** taxes in Illinois are paid in arrears *** additionally Donvenmuehle bought hazard insurance on my behalf in XX/XX/XXXX in the amount of {$1800.00} to cover the property in question, in the past week I showed them the property was insured with my own insurance company and proved coverage for XXXX and XXXX. I would not have been allowed to buy the property if I did not provide proof of hazard insurance for the whole year. The lender stated on XX/XX/XXXX " Our records indicate that on XX/XX/XXXX, a hazard insurance refund deposit was made in the amount of {$1400.00}. '' They bough insurance when they didnt have to. I am telling you this because If you reach out to the lender this amount is yet to show on my escrow balance and therefore If I ask for the tax reimbursement they will say that my escrow has no overage amount for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Upon checking my credit report I noticed some unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
i did not apply for this student loan or owed to ABILITY RECOVERY SERVI collection services 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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CO

Complaint narrative:
Hidden fee is charge for additional loan payment being rejected. 

A fee of {$20.00} charged by Provident Funding Mortgage due to decline of bank transfer of additional loan payment. 

After further investigation with the bank, it decline by wrong account number. The account number type in for the transfer which I used in Teller often, but online transfer account number was different. 

Provident Funding Mortgage charged {$20.00} fee based on section 14 of the Deed of Trust titled " Loan Charges '' that indicate security instrument related.

The account setup system in Provident Funding does not provide a way to check bank account setup is good until a transfer is made. However, if the payment got rejected, it will charged us a fee, which not mentioned clearly in agreement too. 

If I knew this upfront, I will not make additional loan payment and caused me a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NV

Complaint narrative:
AMERICAN PROFIT RECOVERY XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/XXXX I booked a flight from XXXX  to XXXX  through the Ultimate Rewards program of Chase using XXXX of my rewards points. I received confirmation email of the itinerary. One hour later I received another email tell me that my flight was cancelled. I did not know the reason. 

On XX/XX/XXXX, I called Chase customer service asking them to refund my points. They said that because I initiated the cancellation, they could not refund my points. 

It is very ridiculous because I didn't initiate the cancellation at all. Because Chase cancelled my trip, I had to get up at midnight on the night of XX/XX/XXXX to book another flight from XXXX  to XXXX. However, Chase said they could not refund me the points and they had to follow the policies with the airline companies. 

I spent 70 minutes talking with Chase customer representative and could not solve the issue. They just kept saying I initiated the cancellation, which I did not. 

It is unbelievable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Ok on XX/XX/XXXX an XXXX 2021 My checking account the bank 5 th 3 rd Put a fraud alert on my amount cause their was fraud going on! 
On XXXX XXXX I think it was The bank told me that I had to put my friend on my acct cause 5 th 3 rd Had his check and wont let it go throw my account! 
But I have before and his unemployment checks had even be deposited into my account and his name wont on the account! 
But I ask for his XXXX to be removed and the Fraud department told me ok! 
Well on XX/XX/2021 This person when it to my account and at a branch In XXXX ky and the clerk aloud this person to change my address on my account and he was a 2 nd Dairy on my account I was married for 30 years I know it is against the law for the bank to lead a secondary person change the primary persons address this is very illegal now my information is going somewhere else XXXX knows where or who has it what can I do to hold this bank responsible for their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I received an email from the lender on XX/XX/XXXX regarding assistance programs offered. I reached out to lender on XX/XX/XXXX and a rep mentioned extensions and payments arrangements. I proceeded to set up a payment arrangement, but rep advised me to call the assistance team. I called and spoke with a rep who asked me a series of uncomfortable probing questions such as : 1. When did your financial hardship start?

2. How long do I inticipate being in a hardship?

3. What is my back up plan for meeting payment obligation?

4. When will I resume work?

5. What can I pay?

Etc. 

I asked if these questions were apart of the payment arrangement process, and I was told, that my account needed to be reviewed further. Also, the answered questions would help to determine if assistance could be provided. I informed the rep that I was affected by COVID-19 pandemic, and was also an XXXX. I explained I have experienced hardships since the beginning of the pandemic. Since I have requested assistance in the past, that process was fair and non-invasive unlike this current experience. He concluded that I was denied for an assistance program, and he transferred me to his supervisor. 

When I spoke with the manager, I asked if the company had a maximum allowed number/amount for utilizing payment arrangement or extensions within the assistance program. She said no, but then told me that the reason I was denied to make a payment arrangement, was because I had set up too many arrangements in the past. She also refused to explain the company policy for customers who suffered hardships from COVID-19 pandemic. She claimed she did not know the corporate email address, so she put in a call back for an executive to reach out. I asked if there was something in writing detailing requirements for the assistance program, she claimed it did not exist. The experience seems discriminatory, because I was notified about assistance programs, and the reps completely refused to allow me to access account services like other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX in XXXX. The first payment was due XX/XX/2021. The closing document provided payment coupons with the following information on them : Pay To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Amount : {$1200.00} Loan # : XXXX On XX/XX/2021, I used my bank 's bill pay and sent a paper check for {$1200.00} to the above address and loan number. The check was cashed and posted on XX/XX/2021, to the following bank account : Account # : XXXX Routing # : XXXX Shortly after sending my first payment, I received a notice that my bank transferred my loan to XXXX Dovenmuehle Mortgage  Incorporated ( DMI ). With that notice, I also received a new loan number and mailing address. 

The XXXX payment that was sent to XXXX was never transferred to DMI. I have provided DMI 's research department a copy of the paper check that includes the account and routing number that the check was deposited in. 

XXXX 's payment still has not been credited to my account and I am continuously receiving calls from DMI stating that they are trying to collect a debt for the missing payment. In addition, they are charging a late fee and stated that the missing payment can be reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Experian Information Solutions Inc.
State: NM

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent Equifax a letter to address several inaccurate, unknown and incomplete items on my report. 67 days letter, no response has been sent to me, and they are ignoring me.Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has 67 days, therefore I need these items deleted promptly. It is exhausting and stressful. I demand this account to be removed immediately or I will file for litigation due to the constant stress this has caused me. In addition, my information was compromised in the Equifax data breach, and my info may have fell into all the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The company continues to call my home at all hours of the day and night. I have repeatedly asked this company to stop calling my house. I have sent them letters in the past also asking them to stop the harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
Today, XX/XX/2021, I received an alert from XXXX  and XXXX  that. a collection account had been added to my credit report. The collection agency is named enhanced recovery company based in XXXX Florida. this is the 3rd time this company has added a collection account to my credit report over the last three years. this incident involves an account with we energies, with whom I've never had an account. This company has nearly 1000 complaints with the XXXX. most for the same reason I'm making this complaint. This company tries to scam people into paying collections for debts they do not owe. Something needs to be done about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute request to the credit bureau Experian on XX/XX/2021 regarding the wrong company name being reported for 2 accounts that are listed on my credit report. I never heard anything back from Experian. So I sent them another letter on XX/XX/2021 letting them know that I never heard anything from them and that the accounts must be removed. Here it is XX/XX/2021 and I still haven't heard anything back from Experian. 
Per the law, the credit bureaus have 30 days to respond, but again here it is XX/XX/2021 and I still haven't heard anything from the credit bureaus, nor seen that they have place the accounts in a dispute status on my credit report. I have signed receipts stating that Experian received each of my written request. This credit bureau has violated so many laws related to the reporting of these accounts as well as not responding to my numerous attempts and also violation of not placing these 2 accounts in a dispute status. I'm requesting an immediate deletion of these two accounts from my credit report. 

Account 1 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. 

Account 2 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. I'll include all of the documentation that I sent to the bureaus regarding this issue.

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