vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. 
I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.

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 2018-03-20 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.

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 2018-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Bronstein & Weiss Arbitration
State: MD

Complaint narrative:
This was not a loan I took out but someone did in my name. I paid it off b/c I was being threatened with lawsuits and arrest. They knew too much information and I work in a position where I couldn't have someone just show up - so decided it was best to pay it off and then figure it out from there. 
I am still getting calls from this number XXXX, from a XXXX XXXX, saying they will be at my place of residence or work tomorrow, XX/XX/18 between the hours of 2-4 and if I can't be found would look for my ford focus. They are claiming to be from XXXX XXXX County Courts and it's part of state statue. I called over to the XXXX XXXX County PD and XXXX XXXX County court and no one with that name works there.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-20 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, my wife and I rented a car with XXXX/XXXX  at XXXX. XXXX XXXX in XXXX XXXX. It was for 9 days. After nine days, on XX/XX/XXXX, we returned the car and flew to XXXX. When we returned the car, we filled out a complaint form with regard to an item we rented with the car ( a wireless modem ) and handed in our paperwork and were told a revised final receipt would be sent to us by email ( it wasn't ). 
When we got our credit card bill ( Bank of America ), we saw we were charged for 12 days instead of 9.  We contacted XXXX/XXXX  to get the invoice, and disputed the charge with Bank of America ; included with that dispute were copies of airline tickets showing we were flying on XX/XX/XXXX ). Bank of America will not take our side in the dispute since we had no final receipt saying when we turned in the car ( and now say we are " timed out '' for disputing further ). We continue trying to get XXXX/XXXX to respond to our dispute. 

XXXX/XXXX supplied Bank of America ( and I ) a revised reciept showing the rental for 12 days. This was never authorized and is what I dispute.

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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MA

Complaint narrative:
On XX/XX/XXXX, I noticed that my phone had been automatically blocking calls from a phone number ( XXXX ). My phone automatically blocks calls that are identified as spams/scams ( I own a XXXX XXXX ). These calls were happening almost daily. I called the number back on XX/XX/XXXX and discovered it was for medical debt collection. It was for medical debt that I believed had been resolved with another debt collection agency back in XX/XX/XXXX ( and hadn't heard anything since then ). As I had not received a validation notice from this new debt collection agency, I asked for an itemized list of this debt, as well as written notice by mail. They claimed to have not had a current address. I provided them with a current address. 

On XX/XX/XXXX, I noticed that I had been receiving more calls from the same agency over the past week, so I called again. They verified that they had my correct address, and I told them that I had yet to receive a validation notice by mail. This is in violation of the 5 days notice after first contact required. There was also no update as to the nature of my debt ( having believed it was resolved with a previous agency last year ). They said they'd reach out to XXXX. 

I called a second time, in order to obtain their contact information as I have yet to receive anything by mail, now over a month since I provided a corrected address. 

Their information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I have a mortgage loan that is serviced by XXXX XXXX XXXX. XX/XX/XXXX, I contacted XXXX to inform them that I was switching home insurance carrier and that I would be paying the annual premium of XXXX. I requested a new escrow analysis to determine my new payment amount. In addition, I send them a check for {$1900.00} to reimburse them back for the payment that was made to the previous XXXX carrier. As of today, I have not received a copy of the new analysis or what my new payment would be. I contacted XXXX again on XX/XX/XXXX. I spoke the CS manager and she manually calculated the new payment to be XXXX, however I informed her that the online statement was XXXX. I requested XXXX   reimburse me back the XXXX which was authorized and I would receive the funds in 5 business days. I have grown frustrated with the XXXX due them not being transparent about what my new payment will and the more importantly, the fact that they are still taking including the XXXX in the total monthly payment, even though I paid the full annual premium. The told me that if I pay the premium amount, a new escrow analysis would be conducted and my monthly payment would be reduced and not include XXXX. I felt like they have misinformed me and haven't not very helpful or transparent in addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On or about XX/XX/XXXX, I received a business loan from American Express Company. The loan amount was {$15000.00} and the proceeds were transferred to a credit card in my name. Unfortunately I provided an incorrect account as the transfer resulted in a large overpayment/credit balance. 

This then triggered a return of the funds or a partial return as some of the funds were in fact used to pay off the balance that did exist on the receiving credit card account. This electronic transfer of funds back to the Payer - American Express was executed on at about XX/XX/XXXX. While American Express has confirmed receipt of the monies on or about XX/XX/XXXX, they still have not applied the monies to my " outstanding balance ''. They have contacted me on at least two occasions to apologize and reassure me that they are trying to track down the returned funds. To date this has not happened and I remain with an outstanding loan balance which is inaccurate, an inability to request a new loan and a credit score that is adversely impacted by this AND I am unable to use the funds that were originally requested, approved and issued. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: TX

Complaint narrative:
The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2018-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
capital one violation of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2018, I filed a complaint with CFPB against Experian ( Complaint No. XXXX ) regarding an incorrect balance on an account. Experian responded that they would update my credit report to reflect the correct balance of {$0.00}, but instead they changed the balance to " Not Reported. '' There is no balance on that XXXX account. XXXX submitted a XXXX to the IRS, which means they CANCELED the debt. I have paid taxes on that amount as earned income. The balance should be XXXX DOLLARS. To say " Not Reported '' implies that there is a balance and it just wasn't reported. This is misleading. I want Experian to do what they already said they would do and list that balance as {$0.00}. 

I am attaching a copy of my original complaint showing Experian 's response in which they agree to update my balance to {$0.00} and a copy of the updated credit they sent me which does NOT list my balance as {$0.00} ( please see page six of the credit report ; I highlighted the relevant part ).

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: VA

Complaint narrative:
I've gotten multiple phone calls AT WORK from this company. When answering they want me to verify my identity before telling me what this is in regards to. I don't give out my work number so I am unsure as to how they got this information. When I don't want to verify my information before knowing what I am verifying for, he gives me a XXXX number to research and I still don't know what this is in regards to. I don't want to call back and verify for something that is false and I have no idea what it is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express Bluebird card. I have fraudulent charge disputes. XXXX from XXXX, XXXX from XXXX, XXXX from XXXX. These charges cleared my account on XX/XX/XXXX and XX/XX/XXXX. 
According to Bluebirds Customer Agreement if it takes more than 45 calendar days to look into charge disputes they will give me a credit to use after 10 days business days. 
I called multiple times and they are denying my request. I understand that it will be XX/XX/XXXX before I could hear back about the investigation. I did NOT make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: TX

Complaint narrative:
The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: TX

Complaint narrative:
The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I had a XXXX XXXX credit card. It was a secured card. I was unemployed and tried to catch up on payments and work out a payment plan to keep the card open but they refused and sent me to collections. This account is now closed and they are demanding payment. It is with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these

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 2018-03-20 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
i have paid an attorneys office XXXX XXXX XXXX after they reposessed my vehicle on XX/XX/XXXX for this credit card debt ... ..i got my car back after paying in full,,, the original debt was XXXX from XXXX XXXX , but i had to pay XXXX after the towing service for my vehicle they took from my home as collateral to get me to pay my delinquent XXXX XXXX  credit card ... i have paid in full in XX/XX/XXXX, and on XX/XX/XXXX they reported my credit bureau as this full balance being delinquent still ... it is still affecting my credit. i have been in touch with the attorney office and XXXX XXXX, and no help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
In XX/XX/XXXX, I received two letters from XXXX XXXX XXXX XXXX asking for payments for two XXXX XXXX accounts. After checking my XXXX Credit Report and my XXXX reports I noted that all of the information about the two accounts that Portfolio was trying to collect on were not verified by credit card numbers ( the credit card acct. numbers in question had between 2 and 6 first numbers of existing accounts correct ). The original banks that issued that issued the cards and amounts owed differed completely from my Credit Reports. The original accounts that I had with XXXX XXXX had all been opened in XX/XX/XXXX and all three of the accounts from that time were on my Credit Reports. Portfolio was also calling my elderly mother 's house on the average of five times daily. I also could see that Portfolio had referenced my credit report every month starting in XX/XX/XXXX and knew the accounts they were trying to collect on were not valid. I disputed their claims with the above information and they mailed a letter to me saying the information was not new to them so they were rejecting my dispute. The address for this company is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. The telephone number is ( XXXX ) XXXX. Their e-mail address is XXXX. I have spoken with lawyers about this problem and even though I am deemed Uncollectible due to source and size of my income, I see this as a social justice issue that needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Affiliated Group, Inc
State: OH

Complaint narrative:
I have a unverified account from The Affiliated Group. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that The Affiliated Group Cease and Desist all further communications.The Affiliated Group needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am having a problem with Equifax removing my paid in full debt collection from debt collection agency. I called the debt collection agency ( XXXX XXXX XXXX ) located in XXXX XXXX, OH with my concern. The last report date on file to Equifax was XX/XX/XXXX. The debt collection agency told me information was undated and sent to Equifax. I have my bank statement that proves the funds were taking out bank account to the debt collection agency on XX/XX/XXXX. It stills shows due amount of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been fighting with this Navy federal about my credit in XXXX for the longest. I keep getting letters in the mail about me owing money on a credit card for {$1100.00} that I reported years ago as fraud on the acct and I have yet to get that fix. I have flied fraud 3 times and each time i keep getting letters saying its my fault. Everything I call i keep getting the run around about i need to speak to this person or that person and nobody is ever available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JMD,LLC
State: CA

Complaint narrative:
A 3rd party collection agency that XXXX XXXX hired, had received the required payment as requested on a written agreement ( half of the {$890.00} owed ). In receiving this agreed amount, the company stated the account is consider fully paid and closed. Yet, XXXX XXXX still continue to report on the account and attempt in collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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