vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I did a check online on XXXX XXXX on XX/XX/XXXX and saw where Bank of America had recently reported my Home Equity Line of Credit as charged off. This is an account that I have been paying on monthly, never missed a payment and only to run a report on my credit and found that XXXX dropped my score by over 100 points and XXXX cancelled one of my credit cards because of this false report. I made an inquiry with Bank of America and they sent me a reply today, XX/XX/21 that the report that have posted is correct. However, I have been paying my bill monthly and have never been late. Please investigate this matter for me so that I can have this derogatory remark removed and my credit score corrected. Bank of America reference number is XXXX 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 2021-09-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was served a court judgment for a wage garnishment from a debt collection agency called XXXX XXXX XXXX who obtained counsel. The original debt owed to Bank of America apparently, in the approximate amount of {$960.00}, dating back to XXXX. The court order now reads the amount owed to be {$3000.00}, plus various arbitrary fees and interest. To my recollection, I have never owed any figure to that bank. So this all is very unsettling and confusing to me. I believe these charges to be in error, at least, and quite possibly gross fraud otherwise. I have recently begun to rebuild my credit, and this false charge and suit will be damaging beyond repair. I am newly unemployed, unfortunately. It is my understanding that such orders and attempts to collect may be well beyond the statute of limitations according to California law. Please help!

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
On XX/XX/13 at XXXX pm I received a call from someone at American Coradius International stating they were a part of the collections team with XXXX and that my account showed an outstanding balance of {$4500.00}. I checked my account and showed no outstanding balance and asked them to provide me with any other information that had on file which they couldn't. I looked this company up online and it appears ( based on reviews ) a ton of others have been called stating they had a balance to pay on their XXXX  account when in fact they did not and the company continued to try and collect so called debt. I hung up the call immediately and checked my mail to see they also sent mail to me to collect on this XXXX balance. Account numbers all incorrect. XXXX account in good standing. ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm a victim of ID fraud. I've tried to clear, remove the many negatives items on my credit report for years. I've contacted police departments, accounts in collections, creditors that said I owed them monies. I've gotten collection notices,,, so may over the years & i've given up fighting since the issues have never been resolved. I've lived with bad credit. accounts in collections that I have no knowledge of. Car loans that I'm not aware of. It seemed that banks, collection companies as well as credit bureaus are not helping much and I really can not understand why. I don't have all the accounts full informations since theyre NOT opened by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
We Mailed via XXXX to XXXX XXXX and LoanCare LLC ( Mortgage servicers ) two checks we receive for XXXX XXXX XXXX for our roof repairs. We mailed check to XXXX Because their name was also on the checks. XXXX XXXX and LoanCare LLC sold the Mortgage service to XXXX XXXX  during the process and stated that the funds for the roof repairs was forwarded to XXXX XXXX  on the XXXX of XX/XX/XXXX. However XXXX XXXX and LoanCare LLC Customer service also stated the they released payment to on the the XXXX of XXXX, XXXX. We contacted XXXX XXXX  customer service customer service and we understand that they did not get any roof repairs funds from XXXX XXXX and LoanCare LLC The following documents was also sent to XXXX XXXX and LoanCare LLC on XX/XX/XXXX as per their request via Fax : 1 ) Contractor W-9 2 ) The signed contractor agreement 3 ) State Farm Estimate for roof repairs 4 ) The Contractor 's Estimate 5 ) XXXX Contractor Waiver 6 ) Contractor 's License 7 ) Contractor 's License These Documents are also attached In good faith the contractor repaired the roof on XX/XX/XXXX, but we are not able to pay the contractor because XXXX XXXX , Loancare LLC and XXXX XXXX  are pointing their hands on each other as to who need to released payment of the State Farm checks that was sent to XXXX XXXX , LoanCare LLC . We are in the middle like a tennis ball batting around by these Mortgage servicing companies. Can you please help?

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I got a home loan on XX/XX/XXXX, and my loan was sold to Specialized Loan Servicing, LLC in XX/XX/XXXX. A couple months later I recieved a notice that my taxes weren't being paid and were late. I called the company to get it taken care of, couldn't get anyone but they said on a recorded message to send them the bill and it would be paid. Fast forward a couple months and I get a notification that my insurance had lapsed and I needed new or they would be buying me insurance. I scrambled to get new insurance and thought it was fixed. Now they are trying to bill me for the time that the insurance was lapsed, even though I paid my bill and they had it in escrow, they just chose not to pay it. When I called they tell me they didn't get a bill and our insurance didn't know they were our servicer but my wife called to update that with the company, and I never knew anything about it until it was already lapsed. Their response was that they can legally charge me because I didn't have coverage. How am I supposed to know if they are paying it every month or letting it lapse so they can conveniently provide me with their coverage for the time it was lapsed? Clearly deceptive practices, or at the least incompetence. They should be covering the cost of the " extra '' insurance since it's their fault it wasn't paid.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We stopped making payments due to COVID in XXXX of XXXX. We started to make payments again in XXXX of XXXX. We have repeatedly asked for a deferral of our payments to be added at the end of the loan. We have applied for their assistance program twice. Each time they give us the same numbers where they want us to pay double our mortgage payment. We can not financially make those payments. We are asking the payments we owe be deferred to the end of the loan. They are unwilling to work with us knowing we can not make double payments. We are in fear of losing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
Veteran was declared 100 % XXXX and the City treasures office returned personal property tax to LoanDepot to be returned to me. I have been trying since XXXX to get back money which is owed me. Instead of paying me the full amount they have been sending me amounts less than and making excuses about the money returned being lost ect. I said I was going to file a complaint with CFPB if I had not recieved my money by XXXX XXXX They said they sent me a check dated XXXX XXXX  XXXX which I have not seen as of XXXX XXXX XXXX. Based on past history of lies and deceit from this company I feel their word is no good. Original letter for real estate tax exemption sent to LoanDepot on XXXXXX/XX/2021. City treasures issued check back to them on XXXXXX/XX/2021. Check was deposited by them on XXXXXX/XX/2021. I have had to repeatedly call them in hope of getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.

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 2021-09-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo atm ate up my money and won't return it. This incident happened on the XXXX of XXXX, between XXXX XXXXXXXX XXXX and the total amount is {$2100.00}. I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldn't and after 5 minutes of it trying, it just jammed up, and an error popped up 'The ATM can not accept any deposits at the moment '. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldn't do anything because the ATM was not serviced by them. They told me to call the XXXX number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. I submitted the claim at XXXXXXXX XXXX on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there weren't any mistakes this time. Fast forward to today ( XXXX XXXXXXXX XXXX ) they told me that my claim was denied because they couldn't find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well. I received a temporary credit of {$2100.00} on XX/XX/21 and they said that they are looking on the issue. Today, on XX/XX/21 I received a letter which said that the bank could not find any such deposit, so they were going to deduct the temporary credit of {$2100.00} on XX/XX/21. I need help because I legitimately deposited the money and they can check the security cameras on the ATM for the given date. I dont know what steps to take further.

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 2021-09-14 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: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
There were two credit union loans in XXXX that I do not recognize. They were made in the same exact day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested to have XXXX XXXX XXXX account updated on my credit report with equifax and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NJ

Complaint narrative:
Bank of America is terrible and so is XXXX, I spent a ton of money on a app that was clearly a cash grab that lasted like 5 months if that. XXXX told me to go to XXXX and refused to do anything and I was told I could leave a bad review or a complaint with the company. So I went to BoA for aid, they started disputing in which I got cleared on the low cost transactions so I figured I was good... ..nope... .they sent me letters saying the others are in the right cause of proof of transactions ... .ok # 1. You already approved the dispute with the lower cost ones so you know I'm in the right and # 2. I wasn't disputing the transaction themselves I was disputing the fraudulent company they went to... ..so done with these people its crazy. Oh # XXXX now that my account is finally at all time low and because I just had like a XXXX XXXX XXXX they see an opportunity to make money with interest ... I wasn't even asking for it all back whatever they could do was fine ... .. Now that I'm in extreme pain I got ta deal with these guys ... naw. wish I would have read everything about BoA cause there reviews are terrible and would have never bothered. There all looking to rob you nowadays so stay on your toes. And no I don't ask for 10 disputes a year either. I can only remember 1 other in the past few years and they clearly took care of it. Seems like to much leg work for them tk dk any real investigating ... .it was like they admitted I was right then took it back from me ... .I 'm sick, my parents are ill and I literally had XXXX like 6 days ago ... ..they also had me ban and get rid of an account worth like XXXX ... ..I 'm asking for a small fraction of that ...... so small in comparison for what I gave up.

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 2021-09-14 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: DISCOVER BANK
State: PA

Complaint narrative:
Hello, Im a co-signer on my daughters student loans with Discover Student Loan. She became delinquent while trying to get her unemployment monies during COVID. She called Discover numerous times to go on record letting them know she was trying to get the pin number re-set on her funds from Unemployment Compensation. She had {$2000.00} in Unemployment Money that would have paid her student loans. She was laid off due to COVID. Unemployment was inundated with telephone calls, and it was practically impossible to get through on their phone lines. She was never offered help through Discover. They found multiple call logs from my daughter calls/discussions with their representatives to insure she would be paying. She was assured by a Customer Representative that she would not be turned over to the Credit Bureau. If she had been informed otherwise, I would have stepped in and paid the loan as I am the Co-Signor. Anyway, we spoke w/Discover multiple times, and they admitted an Employee stated this to my daughter in error. They stated they contacted the Credit Bureau to request the reporting be updated, and were advised that there is nothing that can be done to change the reporting. I am not confident that they actually took this step. We received so much misinformation, no call backs, and representatives that stated they could not speak to me, etc. I really do not trust that they made any attempt to correct the reporting. They record all of their calls, and they found the conversation, yet the refused to take responsibility for the misinformation. Anyway, shortly after that statement from their employee my daughter received her unemployment and paid the past due amount bringing the account up to date. 
This is a case of a company not offering any leinency during COVID, and more importantly not standing behind the information that THEIR employees provide to their customers. 
Please provide feedback to my request. Thank you!

Company response to consumer: Closed with explanation