vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-01-18 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was trying to get my rolled change turned into cash. The teller informed me that one of my rolls was two coins short. She then informed me that per the banks policy they could not deposit the XXXX into my account. She is a teller at a bank she will at some point throughout the day receive another XXXX in which to make a full roll for her drawer. My legal tender was denied deposit into my personal account because of bank policy. I should be able to put any denomination of my money into my account regardless of if its rolled, short, or not.

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 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I am going to be extremely nice and cordial and I apologize for the previous threats or attitude but the situation is extremely frustrating. Long story short : XXXX approved us for 12 months of payments from XX/XX/XXXX to XX/XX/XXXX. 

As of the date of this letter, there has only been XXXX payment posted from DovenmuehleXXXX  which was for XX/XX/XXXX. 

The most frustrating part of this entire thing, is Dovenmuehle are claiming the checks are going to a wrong address and that is why they're not being posted. This would be a fine claim but the correct address that XXXX are mailing the checks to is " XXXX XXXX XXXX, XXXX TX XXXX. '' - This is the EXACT address that you guys have claimed the address needs to be on previous correspondence. Today, I did a two-way phone call with XXXX from XXXX and XXXX from Dovenmuehle. Both very sweet and wanting to help me. 

How can we resolve this? Also can I get a contact from someone that I can reach out to directly vs filing many CFPB claims? 

Possible resolution : 1. Have XXXX change the address from the XXXX XXXX XXXX XXXX, TX to the XXXX XXXX XXXX, Illinois location. Please note, for them to do this - I need you to confirm this is now the correct address to send payments to on Michigan XXXX letterhead. They will re-issue the checks and send them to this address from now on. I have personally sent checks to this address for the hurricane insurance checks and found there to be no issues sending and receiving from this address. 

Please just help me. Please do not say again that the address is incorrect because I can promise and assure you it is not incorrect. You may be giving ME and HAF the incorrect address, but XXXX are sending the checks to the address you are specifying so PLEASE do not use this answer again in your response to this claim. Please try and actively help me, I have been fighting this since XXXX I am tired and I want this to be resolved. If we need to change the address to XXXX XXXX XXXX XXXX then let 's do it. Clearly the XXXX XXXX XXXX XXXX is not working. 

Furthermore, in the last correspondence you claimed that the unauthorized third party had received " multiple '' checks, meaning for various individuals not just my loan. This should be the clear indication that it is indeed DovenmuehlXXXX 's error. I understand this is a new program from the government so if you don't understand what to do or you don't know what to suggest then just say that. Can we try the XXXX XXXX XXXX location? I need you to confirm on a letterhead that the checks can be sent to that address. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
A refund that is due because of death and over payment on insurance premiums for auto and home. Original premium was paid by credit card and refunded to credit card company instead of XXXX. Auto and home have been sold in meantime as progression of the XXXX has occurred. 
We have contacted XXXX XXXX, they tell us Marcus GM credit card must refund. 
Marcus was notified of death, provided with death certificate,, XXXX XXXX XXXX XXXX XXXX, XXXX order naming Executor, Administrator. 
Follow up calls to Marcus GM credit card customer service telling us they can not contact department who handles refund nor can they provide us with a number or contact means. 
Marcus GM credit card is through Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2022 XX/XX/2022 I disputed collections and charge offs that do not belong to me & they all came back as verified with no proof or wet signature. 

They reported the debts as new after the disputed and continuing to charge late payments when I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023 I deposited a XXXX check for {$8000.00} into my Truist checking account. As of today, XX/XX/2023, the funds are still showing as pending due to an administrative hold. This has caused the account to go into the negative and they ( Truist ) are now charging me overdraft fees which they are refusing to refund. I know the check has cleared, I have proof of funds, and they are drawing interest off my money while denying me access to it. I have been a customer with an account in good standing at this bank when they were Suntrust for close to 20 years. How is this legal? There should be laws against this, because it is extortion. There are hundreds of complaints about this online. This bank is shady and criminal. This is theft. Plain and simple. Customer service is rude and unhelpful.

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 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Please see attached document outlining the full details of the fraud incident.

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 2023-01-18 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: FL

Complaint narrative:
This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I recently filed a dispute against Santander Consumer USA due to my repossession still being on my credit report. They instead closed the account when it should have been removed and when I called XXXX and asked if it were still closed they told me no. They were recently involved in a class action lawsuit due to them being in violation of the XXXX Code which my account was involved in and there was a judgement passed that if there is any derogatory information including late payments and repossessions must be removed from my credit report. So I would like for this account to be removed from my credit report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emergent Business Group, Inc.
State: IA

Complaint narrative:
I have been working with XXXX XXXX XXXX on different loans since XXXX and have been making payments to them for help repaying my payday loan at a lower cost. A Cease and Desist letter was sent to XXXX on my behalf, and a payment agreement was reached between XXXX XXXX XXXX and XXXX Payments were completed, and my debt was paid off by XXXX XXXX Around XXXX of XXXX, I started receiving nonstop calls from I have been receiving non stop phone calls from Emergent Services which claims they have purchased this debt. Ive had to turn my phone to silent so as to not disrupt my work day. 

Below is the number they have left voicemails from to call XXXX. 

Numbers also include XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and emails from XXXX. 

They have also contacted my workplace, along with friends and family, repeatedly. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. I have worked with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I have been with my mortgage company, XXXX XXXX XXXXDovenmuehle for over two years with NEVER missing or having a late payment. My interest rate is fixed at 2.875 % and will mature on XXXX The reason for this compliant is that is there is an error with my escrow account. As I informed you, I have never missed a payment or been late But my escrow account is a mess. I did change insurance companies briefly in XXXX but went back to my initial insurance company, sent XXXX the escrow payment of {$940.00} in XX/XX/XXXX which out my escrow account where is should be. XXXXXXXX XXXX has gone up from {$750.00} to {$870.00} because they claim there is a escrow shortage based on a forecast of my home insurance that has NOT gone up nor have my State taxes gone up. My Insurance company Rep called and received the same run-around. I have been on the phone all week, and none of the staff there can fix the issue or explain their process of forecasting. They increase my mortgage WITHOUT receiving the new home insurance policy that begins in XX/XX/XXXX???? I was told by multiple staff that my mortgage will go up every year??? I can understand that if State taxes or Home insurance goes up, yes a small increase will take place but not {$170.00}. I need help with this issue. I work 2 jobs, a XXXX XXXX  with a household of XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act Capital One Auto Finance had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
From day XXXX since I was terminated from my job of 4 years, I then telephoned Shellpoint and asked them for options where I can save my home in the mist of me loosing my job. I was able to be put on a deferment and a forbearance. I was clockwise with the calls and filling out the paperwork for me to still be in the clear until I was able to obtain full-time employment. I have paperwork still where I made arrangements with them so I could avoid loosing my home. When I tried to send in partical payments I was told that they needed to be the entire payments. Still I was very consistent to letting them know that I was deeply impacted by the Covid- XXXX and that my income was limited to none. This mortgage company then slid my mortgage into default and my house is up for foreclosure which was not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: FL

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ( BOA ) is not depositing a check from XXXX, my home insurance company. 

XX/XX/XXXX - Deposited check via mobile deposit. 
XX/XX/XXXX - Check deposited into the account XX/XX/XXXX - Deposit reversed. Called BOA representative. Said, " The payee endorsement was not done properly. '' Asked for clarification since the check clearly had a signature. BOA representative said they had no additional information and recommended the check be deposited in person. 
XX/XX/XXXX - Deposited check via Bank of American Teller. Teller said the check Might be in our account on XX/XX/XXXX ( AKA 7 Business Days ). The reason given was that since the check had already been rejected via the mobile app, there could be a long hold. Also advised to keep an eye on my email because any updates would be sent via email. 

NOTE : I can not provide a copy of the check because BOA took it on 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 2023-01-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
XXXX was sued by CFPB for not allowing modifications and for taking trial payments and not honoring or completing and responding to the borrower or successor in interest ( according to reg X and Z as amended recently in XXXX ). 
XXXX XXXX has a jugment that is NON COLLECTIBLE for many reasons the debt has been XXXX as of when it was issued with people who are not in title in XXXX. In XXXX ( see attached ) XXXX XXXX and XXXX XXXX were not in title to be able to encumber a property where they no longer have equity titltle. The title to XXXX XXXX was given in a special warranty deed to XXXX XXXX, who payed for her real estate contract for the pendency of the trial under the false pretenses that XXXX is going to do a assumption/modification of the ORIGINAL COUNTRYWIDE LOAN as per the origivnal real estate contract. Now hecomes trying to foreclose IN COURT AND COLLECT IN COURT WITHOUT A HEARING FROM A FEEBILE SENIOR XXXX YREAR OLD WOMAN ALL HER MONEY FOR 14 YEARS AND ATTEMPT TO TAKE HER HOUSE WITH LETTERS OF NOTICE OF SALE EVERY WEEK MAILINGS. You are makning us sick and I am so stressed that I had to flunnk from XXXX  schhhool and care for my mother now. She is harassed for a debt of another who made that debt with you on a second mortgage on XXXX WHAT makes you think you can foreclose a third person 's home for the debt that was made in XXXX in another person 's name and not even serve XXXX XXXX with a return of summons and a copy of teh NOTE YOU ARE REFERRING TO THAT IS A SECON LOAN. PROVE IT SEND THE NOTE TO THE PERSON YOU ARE TRYING TO COLLECT THE NOTE DO YOU THINK YOU ARE ABOVE THE LAW THE STATUTES OF NM REQUIRE THAT YOU HAVE A HEARING TO COLLECT XXXX XXXX XXXX FOR THE DEBT OF WHAT WE WERE TOLD ARE INVESTORS IN FLORIDA WHO HAVE ALREADY BOUGHT ANOTHER OTHER PROPERTY IN XXXX XXXX THE STATUTES OF NM SPELL YOU HAVE TO FORECLOSE WITH A HEARING ESPECIALLY WHEN THERE IS A DEED. YOU CAN NOT GO OVER STATUTE

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with a BOA representative regarding updating my bank account used to pay my BOA credit card payment. The representative informed me I could a ) make a payment for the current payment due, and b ) would manually setup a new payment account for future payments. I paid the outstanding amount due to keep my account current, and was informed the next payment would be deducted from the account we setup for the ongoing payments. Today, upon getting an email indicating my payment was never made, and receiving a {$29.00} late fee, I attempted to call BOA. I called numerous phone numbers with BOA and in each case, the automated response said they would not be answering calls at this time. I went to their twitter account, and there was no official update about the website, or any services being down. When trying to use the website, I can not update the payment profile for my account. 

I was given information by a representative that resulted in a {$29.00} fee, account suspended, credit hit, website doesnt work, and customer service wont answer any of the calls. 

This company is obviously not too being to fail because its dropped the ball in more way than one.

From a regular person, this bank is creating problems for regular people.

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