vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We sold our house on XX/XX/2021. LoanCare has sent several mailings about our home loan being paid off, but no information has been sent about refunding our $ XXXX escrow balance. The company 's IVR is horrible and only takes me to a place to leave a message which no one replies. You can not get to an operator and they offer no other ways of contacting them on their webpage. We have had repeated problems with this mortgage company over the last year and run into the same issues of no way to contact them.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 at XXXX I received a call from the telephone number XXXX there was an automatic message that said this was my last chance to pay them and solve a problem or they were going to sue me and withhold money from my paycheck. The recording said if I wanted to speak with a live agent to press the # 1. I did so and XXXX at extension XXXX came on the line. XXXX said that he was with XXXX XXXX XXXX XXXX. He said that their company pays all three credit bureaus to hold accounts with them and that they had the ability to collect. He said that his company had all of my information including my social security number, bank account, and where I was employed. I tried to explain to him that I do not owe a debt with them or Allied Cash Advance. He still insisted that I did and continued to threat that they will take action. They are making false statements and representation, trying to collect wrongfully on a debt that is not owed. They threatened to contact my employer and withhold money. They continue to contact me after I have asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
On or about XX/XX/2021 I applied for a secured credit card with Discover. My application was approved and on XX/XX/XXXX Discovered took {$500.00} from my XXXX XXXX  account. On XX/XX/XXXX I received my card and attempted to activate it using their XXXX activation number. However, the automated system directed me to the fraud unit. 

The next morning I called Discovered fraud unit and they informed me that someone ( male voice ) called to report that my application for their card was fraudulent. I told them that I never called them and that all of our communications had been via email only. I asked them to provide me with the information as to who had called them as all their calls are recorded. They informed me that they would conduct an investigation and for me to call back in a few days. When I called back, they would not provide information to me and informed me that I would have to reapply and deposit another {$500.00}. I requested my {$500.00} back that they took to secure the card, however, they informed me that it would take another 60 days to get my money back. 

The card was never activated, so therefore never used and they should have returned my money immediately. It doesn't take 60 days to refund money back to the bank account they took it from. I am a retired XXXXXXXX XXXX XXXX XXXXXXXX, and I feel that I have a right to know the results of their investigation. There was NO WAY this was a fraud application. They ran a credit check, the funds came directly from my XXXX bank account and I want to know who called them to made this false complaint, which would be illegal. 
I am respectfully requested that Discover return my {$500.00} back now ; and also I want the results of their investigation. Since, it has now affected me and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2021, I received an email from American Express notifying me that my account XXXX was closed due to a business decision made from the company. I called American Express and was told that my account was closed because of recent returned payments. I appealed the closure of my account because money was stolen out of personal accounts that I use to pay my bills, over {$900000.00}. I have a police report filed with XXXX Police Department. This closure comes after American Express upgraded my account from a XXXX XXXX to a XXXX XXXX I am angry for the disconnect American Express has with not calling me and trying to figure out WHY the payments were returned if I was a valued customer like they say. My account started out as no spending limit and within 90 days a spending limit was placed on my account because I am XXXX. I have averaged over {$10000.00} monthly in spending with my American Express to be treated like this. You would think with what's going on in America a company like American Express would not blatantly discriminate against XXXX with a track record of paying their bills on time. I will not let this closure go unnoticed by the public. If it has happened to me, it's happening to other card members. My account should have not been closed, but rather suspended until payment was made due to my money being stolen. The accounts I have returned payments from has been closed and new accounts were issued as of today. I plan on fighting this matter with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
Submitted certified dispute letter with return receipt XX/XX/XXXX and XX/XX/XXXX. To date, no response received for XX/XX/XXXX dispute mailed over 30 days ago. Regarding the following in accurate negative accounts : XXXX XXXX XXXX # XXXX collections/chargeoff, XXXX XXXX XXXX  # XXXX closed account, XXXX  XXXX XXXX  # XXXX, and XXXX XXXX XXXX XXXX # XXXX. Called today XX/XX/XXXX spoke with supervisor XXXX who declined to provide agent ID #, stated they show no record of any disputes since XXXX. Experian is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be removed immediately. Attached is copy of USPS Certified Receipts.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: MI

Complaint narrative:
Third Party Collection Agency is trying to collect a debt they say my dad owes. I called them and left a voicemail explaining this is not a debt I owe and asked them to stop calling me. I told them if they continued calling I would report them to the FTC. They stopped calling me for a couple weeks but have started calling and now texting me. 

I deleted old phone calls, but phone calls I've received since I asked them to stop calling me have been : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I received a text message today, XX/XX/21.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.

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 2021-07-09 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: GA

Complaint narrative:
I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXX.and shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NH

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX came to my house to install a perimeter drain system in my basement. In the process they damaged my home, did work not in compliance with building code, and never completed the job so when the workers left on the last day they did not get final payment because by the agreement, " payment ( was ) to be made upon completion. '' I sent my complaints to them and they agreed to come back in XX/XX/XXXX to correct the discrepancies and finish the work agreed to. Prior to them returning the President of the US and the Governor of NH declared a state of emergency limiting interstate travel and ceasing all non-essential work. I subsequently called and cancelled the appointment until the situation cleared. 
On XX/XX/XXXX I received a notice from All Debt Solutions , Inc. that they had been hired by XXXX XXXX XXXX to collect a debt. I hired an attorney who sent All debt solutions a letter on XX/XX/XXXX stating that I disputed the debt and requested validation of it. They sent a copy of the proposal which states that " payment to be made upon completion. '' My attorney and All debt emailed back and forth but nothing validating the debt was ever produced and then I got notices of account in collection on my credit reports. Those stayed on my credit reports until another letter from my attorney dated XX/XX/XXXX citing the same statute FDCPA noted in the original letter from All Debt, and stating that the debt has never been validated and demanding that all collection activity cease because the debt is not valid. The owner of XXXX XXXX XXXX admitted that the work was not complete in a XXXX XXXX complaint I filed. 
The negative reports were removed from my credit reports and we are now going after XXXX XXXX XXXX for the work they never finished but this whole thing with All Debt Solutions should never have happened because the debt is invalid. Had All Debt Solutions followed the law, specifically Title 15 USC / chapter 41, subchapter V, paragraph 1692 ( g ) they would have realized this debt was invalid and attempts to collect it would be illegal. Because they did not follow the law they have cost me {$4600.00} so far in unnecessary legal fees along with several months of not being able to use my previously excellent credit rating of over 800 to purchase anything substantial or even to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by American Express. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by American Express on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by American Express ' adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Chime Financial Inc
State: PA

Complaint narrative:
This is XXXX XXXX XXXX Im reporting Money stolen from my accounts credit and debit card from chime the person that stole my cards they made transactions at atms withdrawal money from my account and transferring money to 3rd party XXXX XXXX XXXX XXXX with debit card I made a police report it happened in XXXX XXXX XX/XX/2021 the docket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
Mountain run solution has added a collection that has never belonged to me. I did not open an account with XXXX  I have called them.to confirm. But nothing. I have disputed through mountain run, and they have failed to confirm. The charges or validate it. The amount alleged owed is {$400.00} which I do not owe. I've kindly asked them.to remove it but none to avail. I'm making this complaint because I need help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
After the last complaint against ERC, I submitted the " Tell Me More About This Debt '' letter from CFPB. I was sent a one page bill as verification. Please send the documents requested : " Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: LA

Complaint narrative:
A company by the name of Afni is reporting a collection. That is not correct or mine it started off a XXXX then XXXX XXXX  the. afni. XXXX deleted XXXX  from my report because of reporting incorrect information not Afni is reporting that same account. But to XXXX it is appearing to be a new collection. Item and this keep happening after a few month this company will sell the debt to another company. And this process wholl continue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Account # XXXX - XXXX XXXX/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. I contacted Equifax on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. l have attached the Settlement Letter from XXXX XXXX XXXX and a Receipt from USPS for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: MS

Complaint narrative:
Just spoke with my mortgage servicer to inquire if the forbearance or mortgage assistance request appeal was being reviewed by the investor and my mortgage company. On XX/XX/2021 XXXX, XXXX XXXX stated that loss mitigation confirming the modification and forbearance request was submitted within the 37 days and the documents sat on some one desk and were not processed. given for the underwriters to review it. He stated that now RESPA has 30 days to respond to the complaint. And to check back in 3 days. He also stated customer service has forwarded the complaint I made yesterday to XXXX the supervisor stating I have been given conflicting responses from different Agents with no resolution. Just spoke with XXXX XXXX, asking if mortgage assistance appeal was being reviewed and if the foreclosure sale date was being canceled. He stated his supervisor told him to tell me sale date would not be canceled even though there was and appeal being reviewed. I asked for the name of his supervisor who was providing the information and he said she said she did not have to give her name or ID number. XXXX is unwilling to help homeowners and they give you the run around.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I received a debt validation letter from Commonwealth Financial for services rendered at a hospital I have never been to before. I called the hospital and spoke to their billing department about this and was told to direct this communication directly to the debt collector. This is my official notice to Commonwealth Financial that the debt they are attempting to collect from me is not mine. I did not sign authorizations at this hospital and have now confirmed this with the hospital. There are two other XXXX XXXX 's ( that I know of ) in the XXXX XXXX  area. I believe this debt belongs to one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
In XXXX I noticed a charge for XXXX from XXXX XXXX XXXX XXXXXXXX. I looked into it more and saw a few charges for the same amount some just a week apart from the same company as well as charges from XXXX for XXXX and I hadnt made any purchases from XXXX at that time. 

Today XXXX XXXX XXXX I went back and looked through all my credit card history and found I had XXXX charged XXXX XXXX times a month a week apart since XX/XX/XXXX totaling up to XXXX. 

They initially credited the money and cancelled the card and sent a new XXXX, but have now charged me XXXX on XX/XX/XXXX I called they today and they said the fraud team thought it was legit purchases. I called before that department was open this morning, so I would have to call back later. 

I tried calling them at XXXX and again at XXXX today XXXX XXXX XXXX but they act like they cant hear me and hang up. I have tried calling someone else to make sure it wasnt my phone and the person I called could hear me fine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
My wife and I have been working with New American Funding for two months for a refi, and it has been months of requests for more sensitive financial paperwork, delays, mysterious escalations in garbage fees and appraisals, and just general foot dragging.

Today we received a cold call from someone who said NA Funding had retained them to set conference calls with all of our lenders to determine if we were paying our mortgages. The credit reports NA Funding already has in hand prove that we have met every single loan obligation on several mortgages, some going back months.

We also feel NA Funding has coerced us to close an existing HELOC with XXXX XXXX XXXX XXXX, and keeps trying to have us borrow more than the amount necessary to do the refi.

We don't feel that they are acting in good faith, and we are very unhappy with our experience.

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation