vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
This mortgage was paid off on XXXX because we sold the property. The remaining escrow balance in the amount of {$1400.00} was supposed to be refunded to me. Dovenmuehle told me that it would take 15 days to cut a refund check and it would be mailed to the property address on file, XXXX XXXX XXXX, XXXX NH XXXX. I told them this was unacceptable because we obviously did not live there anymore and their process for changing addresses is a massive hassle. They told me it didn't matter and that the check would be mailed to the old address and if " you have mail forwarding then, it should be rerouted to your new address ''. 

Several weeks went by and I never got the check, as anticipated. I called and spoke with a supervisor who demanded I go through the process of changing my address by filling out a form and sending it back to them signed by both my wife and I ( despite the fact these people service my current mortgage ). 

I called them on XXXX to have a check reissued and have the request expedited. I had to go through hoops to try and speak with a supervisor about it, who continuously told me it would take fifteen days to cut a new check. I told them this was unacceptable as I was waiting on this money to pay bills. I also asked them why they couldn't electronically transfer the money and they told me that's something that can't be done. 

It's now XXXX. I tried to contact customer service again through the online chat and I was told that my check wasn't re-issued and that they would need " more time to research the matter as it came from a different department ''. 

I am thoroughly disgusted that Dovenmuehle is giving me this much trouble in refunding me my money. I need this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: PA

Complaint narrative:
The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've contacted XXXX XXXX XXXX XXXX XXXX XXXX NUMEROUS OF TIMES in demand to remove a inaccurate late payment that is on my credit report on XX/XX/2019 30 days late. I've been making on time payments and payment history is exceptional with this company. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX they told me to get in touch with the bureaus to get the inaccuracy removed and that they didn't have any control on reporting. I then contacted Transunion, XXXX and XXXX on behalf of the inaccuracy and when I looked on my reports it is still on there. 

I've been denied for numerous of loans and credit card application because of this false inaccuracy on my credit reports and this is NOT FAIR!! I shouldn't be denied because of this because this was a mistake that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have a attorney on this case and will take legal action if this is not resolved asap. 

Please have the inaccurate late remark that is reported on XX/XX/2019 removed ASAP. This is my official written complaint.

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 2021-10-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've contacted XXXX XXXX XXXX XXXX XXXX XXXX  NUMEROUS OF TIMES in demand to remove a inaccurate late payment that is on my credit report on XX/XX/2019 30 days late. I've been making on time payments and payment history is exceptional with this company. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX they told me to get in touch with the bureaus to get the inaccuracy removed and that they didn't have any control on reporting. I then contacted XXXX, XXXX and Experian on behalf of the inaccuracy and when I looked on my reports it is still on there. 

I've been denied for numerous of loans and credit card application because of this false inaccuracy on my credit reports and this is NOT FAIR!! I shouldn't be denied because of this because this was a mistake that XXXX XXXX XXXX XXXX XXXX XXXX  REPORTED. 

I have a attorney on this case and will take legal action if this is not resolved asap. 

Please have the inaccurate late remark that is reported on XX/XX/2019 removed ASAP. This is my official written complaint.

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 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.

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 2021-10-18 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: TN

Complaint narrative:
I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.

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 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello- we closed on our home on XX/XX/XXXX. Suntrust owes us {$4700.00} in escrow return. I have called them 6 times and have spent 119 minutes in total trying to get our payment returned. 

We moved from the home we closed on into a temporary apartment. I called with that address ( XX/XX/XXXX ). The first time they missed the unit number and I called again on XXXX they said they added it. The person I spoke to said " they usually figure it out without the unit number ''. It was a huge apartment and we were there temporarily so there was no way it was going to get to us. The third time I called ( XX/XX/XXXX ) I was under the impression it had been reissued and it wasn't. I called again on XX/XX/XXXX for a status and on XXXX where the person was the most understanding I spoke to and said she was going to request an expedite but wasn't sure it would happen. She said that USPS typically returns checks and does not forward them. 

I called again today XX/XX/XXXX and she said the status was they were checking to see if the check got cashed. 

Looking at some online documentation I don't know if they ever had our address right in temporary housing. Its an address with a unit number. It's pretty straight forward and I gave it multiple times. 

We had a mortgage for 6 years and never missed a payment. It's been 2 months and I can't get our money back that they owe us!! Could you imagine if I missed two mortgage payments! 

I had a similar situation with my home insurance company ( XXXX XXXX ). They updated my address, cut the check and I had it in 3 days no problem. Yay! 

I am currently waiting for a call back from a supervisor and am requesting for a wire or direct deposit. I am officially 2 months from paying off my loan to SunTrust and no payment is en-route to us. 

Phone Calls to SunTrust XX/XX/XXXX - 17 minutes XXXX - 16 minutes XX/XX/XXXX - 27 minutes XX/XX/XXXX - 16 minutes XXXX - 20 minutes XX/XX/XXXX - 23 minutes

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 2021-10-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In early XXXX. I requested a refund on an airline ticket from XXXX. The gentlemen asked me my debit card number to return the funds, they then used XXXX to take approx. {$2000.00} out of my checking account. Fifth Third Bank says There nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for XXXX inXX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

XXXX sold the loan to NCB Management Services ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of XXXX derogatory payments. 

I also reached out to NCB Management Services and explained that a Police Report was already filed inXX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report in XX/XX/XXXX. 

The issue at hand is that XXXX keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Hello I am writing to file a complain against Barclay cards. On XX/XX/XXXX I paid off my total balance of {$7200.00}. On XX/XX/XXXX Barclays proceeded to withdraw another {$7200.00} because of my auto-pay settings even though my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire why there was another payment when my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire about the error and was told a payment case will be filed and that it could take 30-60 days to resolve. If find this unacceptable given my balance is XXXX and it was their error. I proceeded to call back on XX/XX/XXXX and was given the run around and said they would escalate it. I called back on XX/XX/XXXX to check and was given the same answer even after talking to a manager. Today is XX/XX/XXXX and the problem is still not resolved. This is an unacceptable customer experience and has cause financial hardship since I am now late on my mortgage payment. Case number is 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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
i have sent letters to each bureau telling them this account is not mine and was open fraudulently. i have police report on file for identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: MO

Complaint narrative:
I asked for debt validation, they refused. Inaccurately reporting on credit bureaus for a debt that is not mine. This was removed years ago due to identity theft from another collection agency trying to collect this as well. This company is a a junk debt collector and they are inaccurately reporting and will not provide any validation proof. They are also making threatening and harassing phone calls to me, my family and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
Company denies complaints for Identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

This company has failed to abide by federal law and furthermore has hindered my ability to obtain credit by illegally placing accounts on my credit file in which they have not sent me verified proof in the form of a consumer contract with my signature verifying that the accounts belong to me that I have asked for under my rights as a natural person. This is a violation of my rights as a natural consumer and a blatant invasion of my privacy. It is with the companies best interest to provide me with proof of what they are reporting on my credit file or be held in contempt with violating my natural rights which constitutes a {$1000.00} fine for every violation that I choose to bring forth to this company. Please also send me proof stating that I gave your agency permission to furnish, distribute or sell any of my personal information. 

Continuing on it is this companies best interest to due their due diligence and provide me with lawful evidence under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ( a consumer contract with signature ) to back up previous " verified information '' or delete these illegally reporting items because I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be aware that you have 30 days from the date of receipt of this complaint to respond to this dispute to the address that you have listed on file. 

I, XXXX XXXX give express permission to have this dispute processed and I have attached my identifying information. 

I demand the following accounts be verified or removed immediately. 
XXXX - CARD SERVICE XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
these accounts that appear on my credit report do not belong to me, do not belong to me, please check them, they are hurting me. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft 10 NEW YORK XXXX XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, I received an email correspondence from Williams and Fudge regarding a debt they are attempting to collect. I informed the aforesaid company that I did not attend this school, and that any correspondence should occur via the address they have on file. My reply was sent on XX/XX/2021 at XXXX XXXX. 

Since this encounter, I have received no further communication from Williams and Fudge. I have not received any information validating this debt. However, they have managed to report this unsubstantiated and unverified account to the credit reporting agencies in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for Netcredit in XX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

Netcredit sold the loan to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of Netcredit derogatory payments. 

I also reached out to XXXX XXXX XXXX and explained that a Police Report was already filed in XX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report inXX/XX/XXXX. 

The issue at hand is that Netcredit keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial account # XXXX My name is XXXX XXXX XXXX. I was trying to pay my loan in full and when I called they told me after paying for 3 years I still owe XXXX in principal. I checked the statements online for every payment and made a chart. They are charging much more in interest monthly than adding to principal. I have a contract which was initially signed in dealership of annual interest 12.69 % with a total of XXXX financial charge and now is a different story. I need help please. My phone number is XXXX XXXX Thank you

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