vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
So that was XXXX Escrow Shortage Issue ... ... NOW for XXXX Escrow Shortage Statement " Please pay this amount in order to keep your Mortgage Payment amount at the current level ( which I had disputed ; see below ) they sent coupon,,,,,, I paid ... ... ... ... .they raised Mortgage Payment Amount AGAIN! 

Shellpoint Mortgage Servicing Loan # XXXX XXXX received Annual Escrow Assessment Statement that indicated shortage of { {$290.00} }, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at { {$540.00} }. I used that coupon and remitted { {$300.00} } on XXXX. They acknowledge receipt on XXXX, but billed { {$560.00} } for XXXX I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XXXX correspondence saying " your current payment amount is { {$540.00} } '' XXXX correspondence now says although they credited my Escrow Shortage payment XXXX they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of { {$560.00} }! Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached Company information Date complaint sent to company XX/XX/XXXX Company name Shellpoint Partners , LLC Timely response? 
Yes Company response to consumer Closed with explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
XXXX acct was opened on XXXX XXXX and was closed on XX/XX/2017. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX XXXX XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-25 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:
I have placed a dispute with all 3 bureaus, XXXX was in compliance and removed the account, however its been over 30 days and I have not been contacted by Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and XXXX  and the item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: KS

Complaint narrative:
I received a delinquent letter from my County about my 2020 property taxes in XXXX, which was strange because when you review my online account with Dovenmuehle they show 2 payments. I investigated with the County and they have no record. I called Dovenmuehle 4x and they never offered to help or open a Support Case, finally I called my originating local bank and they opened a Support case on my behlaf and the only response was " it will be 5-10 business days to investigate '' ... .a month went by and nobody ever did anything. Now my local bank got involved and they can't get an answer. Nobody at Dovenmuehle will respond to call or emails. I've asked Dovenmuehle for specif dates and amounts and " cleared payments '' they will not provide. The only response I've gotten from Dovenmuehle is when I gave them a bad phone survey, they tried calling me 3x to talk about the survey, but not actually solve my problem. When I spoke to the Surveyor, he said " oh I can only help with the survey ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mortgage company doesn't want to issue me refund of overpayment of approx {$1100.00} for property taxes collected during tax year XXXX. I called bank four times & spoke with 4 representaives on XX/XX/XXXX & they all gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called XXXX XXXX XXXX and their website is : XXXX : XXXX Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: NM

Complaint narrative:
Everyday I receive a call with a caller ID indicating it is coming from NCB Management Services. The calls are using spoofed numbers other than numbers on their web site. Numbers include XXXX, XXXX, XXXX, XXXX. These numbers are obvious spoofed. No messages are ever left. The company has failed to provide a written notification of alleged debt. There is absolutely no reason for repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Our Condominium Association, XXXX XXXX XXXX XXXX XXXX. Banked with CIT through our former property management company, XXXX XXXX. Without notice to the Condominium Association, XXXX XXXX closed our Bank accounts. It was a disaster checks bounced, and homeowners had no way of depositing payments. We asked CIT Bank if the Board could set up accounts to avoid disruption. However, CIT Bank said that was not an option because they only work through Property Management Companies. While we worked on opening new Bank accounts, we tried to retrieve our Banking information past and present from CIT Bank. We paid a small fee to CIT, but the Bank Statements were encrypted XXXX XXXX XXXX XXXX XXXX. The Board asked CIT Bank to decipher our Statements because it contained our financial history, we were told it would cost us {$50.00} an hour. We are planning an audit, but it is impossible with Bank Statements. CIT Bank said it will cost in excess of over {$5000.00} to decipher our Bank Statements. We can not afford that cost, and we should not have to pay such an exuberant amount of money for our information. 
CIT Bank is holding 6 years of our information hostage for a ransom of over {$5000.00}. This is unreasonable and unfair. Our new property management company, XXXX XXXX XXXX offered to help, but CIT Bank also refused their attempts at obtaining out Bank Statements. We continue to struggle with CIT to release our information to us rightfully without cost. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Capital One. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: WA

Complaint narrative:
Remove the remaining items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
I have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.

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 2021-02-25 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: FL

Complaint narrative:
I have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Goldman Sachs Bank a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had an Citibank checking acct, a money market account and a line of credit attached to the checking for over-draft protection. I had all three of these accounts for 20 years. I attempted to close all three accounts in early XX/XX/XXXX. Citibank closed the money market account and the line of credit, but failed to close the checking account. They were supposed to close it and refund me the {$15.00} that was in my account. I did not get a letter from them until end of XX/XX/XXXX. The date on the letter was XX/XX/XXXX, but the US mail was delayed at that time. I was surprised to find that the letter was indicating I still had a checking account, and that now because of monthly fees, the account was overdrawn by {$9.00}. Within a day or two, I received a new letter dated XX/XX/XXXX again informing me of an overdraft that was now {$68.00}. I called Citibank again. It was actually quite difficult to get through because the automated system did not recognize the account number on the account that was supposedly still open that I had tried to close. When I finally got through I explained that I had closed the account in XXXX. They said that the first customer service person had failed to close the checking account properly. I was assured that this time they would close the account and reverse the charges that had accrued in the interim. They apologized for the inconvenience. I then received 2 letters, one dated XX/XX/XXXX and the other dated XX/XX/XXXX, both stating that Citibank closed my account and that I now owed {$100.00}! I then called yet again to ask why after twice having attempted to close this account, I was still being charged fees and now being threatened with a collection agency. I was told that there was nothing that they could do now that the account was closed and that I would have to visit my local branch. I have no " local branch '' because Citibank closed all the branches around XXXX years ago. I would have to drive up to XXXX XXXX XXXX to attempt to handle this. I was a loyal customer for many years and I stuck with them even after they closed all the branches and started charging rather exorbitant monthly fees. It seems Citibank is unaccountable for its mistakes. Even worse, somehow I am accountable for Citibank 's mistakes. It's simply unfair.

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 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX, Loan Depot funded a new, cash out refinance loan On XX/XX/XXXXXXXX XXXX I made a payment on my new mortgage. This is reflected in the PDF titled " XXXXXXXX XXXX '' Some time after that payment, my loan number changed. I do not know when that happened. 

Now, the loan is not showing any payment made and says a payment due in a few days. Please see the PDF titled " Monthly Statement ''. 

I contacted Loan Depot. In a chat window, the support person claimed my previous loan number belonged to someone else. The Agent said he/she did not have access to a phone or email, so I could not send them the PDF file showing my payment.

The Agent ended the 45 minute chat by saying a supervisor would call me later. Given the very poor customer service and missing documentation during the loan process, I do not believe this will happen. For example, they never gave me an updated loan disclosure document I need my account to be credited as having made the payment on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX trying to collect on an alleged debt with MIDLAND CREDIT MANAGEMENT , INC that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
My lender is breaching terms and reporting lates when I made all the required payments. Here is a brief summary below ... 

On XX/XX/XXXX I received an alert from my credit report saying my score significantly dropped from a missed mortgage payment. In XXXX of XXXX I made my mortgage payment and shortly after Covid-19 hit the country. Carrington Mortgage offered a forbearance plan for 6 months. I went ahead and accepted the forbearance plan for 6 months. The forbearance started in XXXX of XXXX. In early XXXX I received a letter saying that my forbearance was approaching its 6 month end and I needed to call to find out what options I had. When I spoke with a customer service agent at Carrington in early XXXX of XXXX I was told that I had some options of either a payment plan, mortgage assistance or paying in full. I was told anything after the XXXX of XXXX I would acquire late payments and fees. On XX/XX/XXXX I called and spoke to a customer service agent and we made arrangements of paying everything in full. The payment I made was {$7700.00} and that was to cover from XXXX to XXXX payments. I was told that my mortgage loan was in good standing and my online mortgage access has been restored to make future online payments. From that day I have made XXXX, XXXX & XXXX payments. When I called today I was told that my XX/XX/XXXX was missed and it was 180 days late. I do not understand that when I made a payment in XXXX with a lump sum to get back into good standing how this even occurs. This puts my family in a very bad spot with me being the provider and taking such a hard impact on my credit score. I refinanced my past mortgage loan with Carrington and I have never missed a payment. I needed assistance with the forbearance because of Covid-19 so I used those 6 months to get everything back on track. When my 6 months were up I made good on my payments. All I am asking is that this derogatory mark get removed from my credit report and my score hopefully comes back.

Company response to consumer: Closed with explanation