vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
I recently refinanced my VA loan to take advantage of the lower interest rates. The loan refinance process was straightforward and completed in a timely manner. I was extremely pleased. Once the servicer took over is when everything went backwards. It started with our mailing address change ( from street to PO Box so letters would not be returned to the sender. I fax a changed request, and it wasn't completed. a month later, our school property tax bill came in, and we were granted the homestead allowance, reducing our school tax burden. I called and they recommended I submit a change of address form through email, and the new tax bill via another email to the tax/escrow dept. 

A month later, the taxes were coming due and I call when I hadn't been communicated that the bill was paid. I also noticed my mailing addressed wasn't changed. Customer service said they submitted a ticket for both, and we would see the payment go through and my address would be adjusted. Two days later, my taxes were paid, but it was for more than double the amount of my bill. I called and they said it was for all my property tax bills ( township , county, and school ). My township and county taxes are not due until XX/XX/XXXX of every year, and even if you add ALL my taxes together it was still {$2000.00} less than the total that was paid for the school taxes. I emailed them all my XXXX tax bills, and spelled out when they are due for the Paid in Full discount ( XX/XX/XXXX for school, XX/XX/XXXX for township ). I was concerned my monthly bill would be increased. Today, I was informed that my escrow was increased to cover the incorrect tax bill, and a call to customer service again indicated that the tax/escrow office " does not take phone calls ''. I have no other recourse at this point and would like to let others know this is how this company operates. I regret financing away from my original mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: MD

Complaint narrative:
I had a unknown alleged collection placed on my credit report on XXXX.I already disputed this collection on my Equifax report and the account was deleted.This company did not give me 30 days to even respond to the alleged bill that was sent via mail.Which was dated for XX/XX/2020 and the collection was added on XXXX.I feel harassed because the collection was already removed and now had been placed back on my report.As stated under 15 U.S.C 1692e this company is being false and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: PA

Complaint narrative:
I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I reached out to XXXX XXXX XXXX a Senior Loan Consultant from New American Funding ( NMLS # XXXX ) in search of a mortgage. Before ending the conversation, XXXX XXXX requested that I upload personal information before moving forward in the process. After forwarding the documents requested, a week had gone by and I haven't heard from XXXX XXXX. I decided to give him a call, and during the conversation he became very apologetic and began to tell me how busy he was with other applications in that he would begin working on my application very shortly. Well, as of today, I haven't been contacted by XXXX XXXX at all. I'm also worried about the personal information which I uploaded, and the Hard Inquiry I received from New American Funding after requesting a copy of my credit report. 

XX/XX/2020 date of request Hard Inquiry : XXXXnew American Fundin XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I started a conversation with Mr. XXXX XXXX of NewRez, my current mortgage servicing company about refinancing my existing balance to take advantage of the current low rates for conventional  mortgages. This occurred back on XX/XX/XXXX of 2020. I subsequently received a decline letter dated XXXX XXXX, 2020 saying " Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for the disclosure of the nature of this information. '' On XX/XX/XXXX I sent NewRez a letter requesting this information. NewRez did not reply so I again requested by letter on XX/XX/2020 that they disclose the nature of this information. Again they have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have called Experian multiple times using all the phone numbers listed under their site. I need to determine why no companies or lenders are able to pull my credit. This has become a huge problem, and has caused me to be denied credit. I can never receive a live person when calling and or emailing. Their phone numbers loop around to the same automated questions, they say they can't verify me online. This is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying for the past several months to get Equifax to remove inaccurate information from my credit report. They have asked me to send them several items, such as copies of my Social Security card, drivers license and W-2 form, and I have sent them these items multiple time, both by postal mail and by email, but they refuse to correct the information. I have filed several disputes with them. Some have been corrected but there are 2 disputes that keep coming back as " open '' or active ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: GA

Complaint narrative:
I was checking my credit reports and XXXX XXXX XXXX XXXX XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called XXXX  XXXX  XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is Equifax. Ive filed this dispute 6 times and I keep getting the same results. Equifax says that XXXX XXXX  XXXX says the report is accurate and XXXX XXXX XXXX says they sent over the information to Equifax to correct it but never gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ClearOne Advantage, LLC
State: WI

Complaint narrative:
XX/XX/20 - I called ClearOne Advantage to cancel my account with them, due to a lose of income and not being able to afford their services going forward. I was told that the cancellation request was submitted and would be worked on. 
XX/XX/20 - I inquired on the status again of my account as I had seen that {$680.00} had been withdrawn from my bank account after I had requested to cancel. I was transferred to a representative that instead of listening to my request, would not honor what I was saying and tried to get me just to stay with the company. 
XX/XX/20 - I called ClearOne Advantage and was told that instead of just being able to cancel they are in turn going to charge me another {$3000.00} although I've been paying them well over the stated amount that was agreed upon during my initial signing with them. I feel that they don't take into account their clients and instead work on just getting people through their call log since they are working on commission. The settlements that they worked out for me seemed to have cost more in their fees to put money in their own pockets. They don't care about their consumers. I reached out for help from this company only to find that they aren't protecting me and my well being in the long run.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I need to review historical paper statements for my Bank ot America Prepaid EDD Debit Card for the past 5 years ( XXXX ) because I suspect there here has been fraudulent activity in my account in the period between the two UI claims I have filled EDD ( XXXX XXXX claim and my XXXX pandemic ui claim ). I contacted customer service twice to request the historical statements, and both times I was told by a supervisor that the statements have been mailed out and I should be receiving them shortly. I never received any of the historical paper statements I requested. Please note that past account and transaction activity is not available online either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  Late Dates : XXXX, XXXX XXXX XXXX DC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I had a AMEX Card and they were comprised due to Fraudulent Charges. They closed the accounts and they have not allowed me to get any credit with them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: CARD Corporation
State: PA

Complaint narrative:
Card.com speaking to XXXX about withdrawing to pay my rent they block so I will not get money out, I call 5 or 6 times and theres something they can card!! I never file a dispute so they dont have no business blocking my card!! I email card.com asking them why did they take my XXXX from unemployment took the out and then put back in my account! Card are scamming people out there money and Im a XXXX please investigate this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I contacted American Express about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after American Express assured me no such inquiry would take place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have one SYNCB Card but every time I try to apply for another Credit Card I am declined due to previous account experience. I have never been late and I want to be removed from the black list that SYNCB has placed me on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting on my credit report the following residential addresses which I have never lived at. I have already submitted two dispute letters with them and they have still failed to remove the addresses from my credit report. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX CT XXXX TX XXXX I have attached a copy of my credit report which shows the addresses still being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the  documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/TU/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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