vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020 I received an email form Bank of America that they were closing one of my credit cards, no explanation given. I then logged into my Bank of America online portal and the account was in fact closed. The account had no balance and was my emergency credit card. Bank of America refuses to provide me a reason as to why they closed this account. This will affect my credit and the current mortgage underwriting I am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Some company with number XXXX XXXX XXXX and XXXX x XXXX called my work place and tried to contact me there. The office took a message and he said this is XXXX with MCM and left a phone number. 
I have had no dealings with them owe them nothing and refuse to accept their bothering me at work. It is a govt office and not allowed. 

Hi I just took a phone message for you. He said you will know what it's about. He said his name is XXXX with MCM. Phone is XXXX x XXXX. 
This is the email I received re the event

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Hello, I have never done business with credence Resource Mana. I have requested a signed contract to validate this debt and they have not responded. I'm in the process of buying a home for my family during a pandemic and this is not helping me. The amount is for {$2200.00}. It's saying the date that was reported is XX/XX/2020. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX MEMORIAL CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MEMORIAL CT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-28 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: TN

Complaint narrative:
I WANT TO HAVE THESE PRODUCTS REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I contacted Phoenix Financial about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-28 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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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:
To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Due to the pandemic earlier this year, I opted to apply for a forbearance and my mortgage company Dovenmuehle mortgage allowed me to skip 3 payments between XXXX and XXXX. On XX/XX/2020 I applied for a deferment so that the balance due can be applied to the end of the loan term ; initially I was told this would take between 45 to 60 days. Since at least mid XX/XX/2020 I have been calling to find out the status of the loan and I'm always told " you should have a response within a week or so ''. I have been calling consistently ( more than 10 times in the last 3 months ). I have even requested for managers to give me a call and they have failed to do so. Now, it's been nearly 4 months and I have yet to hear from them. I have not been provided an update neither by mail or phone. I have been trying to refinance my mortgage since rates have gone significantly down with another lender and I am not able to do this because of this company 's gross negligence. While I am in this process another lender will not finance me. This company is causing me to continue to pay more interest in my current mortgage because of their refusal to do their job and work on my deferment. It shouldn't take nearly 4 months for a mortgage company to handle such a request. It is NOT my problem that they're running behind ; they've had more than enough time to hire other individuals or pay overtime to assist with the extra workload. I want to file a personal Complaint and I may need to file a lawsuit given that this is abuse of power. They're holding my mortgage and me XXXX to this company! I'm sure I am not the only individual that has been wronged by this company and this should be looked into as a class action lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: IL

Complaint narrative:
Received letter on the XXXX  of XXXX, with the date of the XXXX  of XXXX. The amount is XXXX. I have been injured on the job due to a fun shot wound while delivering for XXXX. Since I can not work due to the medication and the fighting with Workman 's Comp Insurance am not receiving a paycheck. Discover Financial Services have pursued to litigation against me if I do not pay the debt by the XXXX  of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A debt collector has placed the same collection account on my credit report 3 times. This is seriously affecting my credit score! 

Derogatory Account Reported By I.c. System, Inc Reported On XX/XX/2020 ( also reported in the XXXX, XXXX ) Account Balance {$390.00} Each time they change the amount to make it appear as a new account!

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2020, I, XXXX XXXX XXXX received a letter addressed by Wells Fargo Home Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. However, the letter must have been redirected by the illegal occupants occupying the residence and was delivered by XXXX to XXXX XXXX on the front door step of that residence. The letter indicates that it is an acknowledgement letter and I agree that I have requested that Wells Fargo acknowledge and address some matters. the letter is properly addressed to XXXX XXXX XXXX and has the correct physical address in which I am inquiring into. However, the letter does not address the proper account number. I have provided the proper account number on all inquiries submitted. Therefore, Wells Fargo will need to identify and address the proper account number because there acknowledgment account number is incorrect. The provided response date is XX/XX/2020. I will further acknowledge that I received a voice message on ( XXXX ) XXXX. The account is also missing off of my credit report.

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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I contacted Caine and Weiner about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Early in XX/XX/XXXX, I received an Invoice from Merrill Lynch ( aka Bank of America ) regarding my employee stock account with my former employer : XXXX XXXX XXXX. 

The invoice was for an annual advisory fee of {$65.00}. I have never paid an advisory fee as an employee or in the years since I left the company, so I put in a call to Merrill Lynch on XX/XX/XXXX to find out why I received this invoice. 

I was told that I was being charged because I was no longer an employee, but I had the option of not paying the fee if I sold my XXXX XXXX shares and closed out/cashed out the account. 

I let the representative know that I was prepared to go through with closing the account. 

I authorized the representative to go through this process and sell the shares at {$8.00}. And I forgot about the whole thing. 

That is until I received a statement of account activity in early XXXX showing that I had still had a balance with Merrill Lynch and my account had not been closed. 

Furthermore, the advisory fee that I was trying to avoid was deducted from the proceeds of the shares sold. 

And there was a commission fee of {$29.00} charged. I'm told that I could have sold these shares on my own online, if I was still an employee. But since I was no longer an employee, my only choice was to sell by phone. 

When I called Merrill Lynch again on XX/XX/XXXX and complained about the above statements, I was told that they were simply following company policy by charging both fees, but no one could tell me why my instruction to close my account was not followed.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is attached

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 2020-10-28 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
original finance comany - ocwen. loan sold to phh in XXXX XXXX see customer account activity statement -- XX/XX/XXXX payoff. escrow balance of {$1300.00}. XXXX  out. where did my escrow money go? XXXX  out on that statement. my first escrow shortage was in the first 6 months with phh. shortage of {$980.00} in 6 months. i didn't pay close attention. saw my increase in payment as is the usual with mortgages. second escrow shortage is {$2400.00}. HOW DOES THIS HAPPEN??? i began researching my statements. the remedy for the first shortage was " the monthly shortage for the next 36 months is {$27.00} and will automatically be added to your monthly payment beginning XX/XX/XXXX. '' now the second shortage remedy is " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' HOW WILL THIS EVER GET PAID?? Escrow is structured by taking the total of the insurances and taxes and dividing by 12 months in the year. this is setting me up to lose my HOUSE. i have had this account for 18 months and THESE ARE PREDATORY PRACTICES. HELP!!! MY PAYMENTS ARE HIGHER THAN EVER AND YET THE ESCROW DOESN'T COVER THE INSURANCES OR THE TAXES!!! SOMETHING IS WRONG!! My former company Ocwen was difficult when they owed me escrow back but they always trued up at the end of the annual term. in 18 months they have me in debt - not my doing. HOW CAN THEY STRUCTURE MY ESCROW THIS WAY?? IF I CAN'T PAY IT AND IT KEEPS GOING I WILL LOSE MY HOUSE. PHH WILL OWN MY HOUSE BASED ON THESE PRACTICES. THIS IS CRIMINAL. Especially in a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX I submitted a complaint about XXXX XXXX  posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the city bank debt.

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 2020-10-28 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
XXXX : XXXX Comenity Bank/XXXX XXXX is reporting an erroneous late on my credit file. I recently checked my credit and noticed this late. They are claiming I was late on XX/XX/18 which is erroneous because my account is set on auto draft. I called and inquired about this late and they confirmed that it should have not been reported and that they would remove it. When I went in to check my credit again I noticed this late is still reporting. This is the banks fault and they have already accepted this as their mistake. Please remove this late notation off my credit file.

Company response to consumer: Closed with explanation