vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: MD

Complaint narrative:
In a recent review of my credit report, XXXX, I noticed the addition of a company called XXXX   XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, XXXX stated to me : 'We purchased the debt from XXXX XXXX in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that XXXX provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I opened an account with BB & T online, later I went into a local branch to double check my account type.

The banker sent me an email about the account, which stated that the account does not have any fee ( quote : " No monthly maintenance fee '' ).

However my account was charged a {$12.00} " monthly maintenance '' fee. I messaged BB & T on XX/XX/XXXX but BB & T never replied to my message.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The second address on my credit report is WRONG. I do NOT nor Never lived at this address .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was born and raised in XXXX XXXX, Nevada. I have lived here my entire life. We have lived in our house for almost 32 years. Could you please help remove this address from my Credit report. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 120 days late as of XX/XX/2017 150 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Also all 3 credit bureaus have reported different months being late. This is not accurate and a violation of the FCRA

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 2018-07-18 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: OH

Complaint narrative:
XXXX XXXX XXXX - Can not access my credit score as a paying member of this service. Have attempted to call several of their offices only to be told to call during business hours. It's XXXX XXXX EST and their recording states to call between XXXX XXXX  and XXXX XXXX CST.

I've attempted to contact them in the past and have been put on hold for over an hour only to be disconnected. I feel that I'm being ripped off by Experian where I can't talk to representatives regarding my account. No notices have been posted on their website regarding technical difficulties.

Feel as though I'm being held captive from an agency that is unresponsive to vital services, especially one that I'm paying monthly fee for.

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 2018-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This HELOC was included in a bankruptcy in 2004 and so does not report to the credit bureau 's and they are not allowed to chase me for it, despite this I pay it on time every month, at least for the last 2+ years. For the second time this year I received a SCRA notice, which is the first step in the foreclosure process. I called Bank of America and they said it was a mistake. Twice already this year, while I pay them monthly, they have sent this which always scares the heck out of me and causes me to spend hours trying to get them to talk to me and checking my own records. They need to cut the XXXX - sending that notice is akin to threatening foreclosure and for anyone who's ever faced foreclosure it is terrifying. So to receive these repeatedly when the mortgage is being paid monthly is unacceptable. They also took away my ability to view the status of the mortgage on my BofA online account - up until last year I could view the activity on it so it was easy to pay and see what was due when. Now they restrict online access to this one account, which is wrong, because it was included in my bankruptcy 15 years ago.

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
I have a home mortgage with Home Point Financial corporation. Prior to receiving an Escrow shortage letter in XX/XX/XXXX I was paying {$1400.00} every month. The escrow letter shortage stated if i paid {$460.00} by XX/XX/XXXX my mortgage would only increase to XXXX. If I did not pay the shortage in full my new monthly payments would increase to XXXX effective XX/XX/XXXX. I contacted the escrow department with Home Point Financial and paid in full, over the phone, {$460.00}. I was advised to start paying XXXX for my monthly mortgage. ' I have been in Bankruptcy for approximately 2 1/2 years but my mortgage is not included in the bankruptcy payments. I do not receive a bill or statement for my mortgage due to Home Point 's policies in dealing with individuals in bankruptcy. In XX/XX/XXXX I received a mortgage statement from Home Point indicating I owed {$4600.00}. When I called Home point for an explanation they told me that " someone '' dropped the ball and did not apply my escrow shortage to my escrow account. As a result, i was being billed XXXX every month and my XXXX that I would submit every month went into a " Suspense Account ''. So I was told it was there mistake and they would rectify it with a new escrow analysis and apply the funds i have been paying for the last 9 months plus the shortage to the proper accounts. That was 2 months ago. I have spoken with heir bankruptcy department no less than 20 times and have been told most recently that my account has been elevated to the Bankruptcy manager at Home point. That was a month ago. I was told several reasons for the delay. None of which are true. the first excuse they gave me was I didn't ask for an escrow analysis after i paid my shortage. When in fact I asked 3 times during the month of XX/XX/XXXX and was told it was being worked on and it would take 2 weeks. It was never done according to what i am being told now. The second reason for the delay is Home point says they are waiting for approval from my lender. In any event. i called this situation to their attention over 2 months ago and i am still being billed XXXX. i  have done everything Home point has asked of me. I pay my mortgage on time. I paid my escrow shortage in full on time. And this is what i get in return. I have contacted my attorney, i have filed a fraud complaint with the Federal Trade Commission for improperly using a suspense account with my money that should be applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
On XX/XX/2018 I sent an email at the advice of The Money Source 's customer service to request another veteran who was purchasing my home to assume my mortgage. I got no response for over two weeks. I called the company numerous times over the course of the two weeks to no avail. During this time, the buyers conducted an inspection of our home and while waiting to see if the loan can be assumed, we had to make financial decisions based on the unknown. We agreed to fixes being done on the property which we would not have agreed to if the loan was in fact assumed. 
Our closing was scheduled for XX/XX/XXXX. The XXXX XXXX provided documentation that needed to be signed for the assumption. This documentation relieved the us the sellers of any financial responsibility of the loan. The selling transaction took over two days to go on record because The Money Source did not send the proper paperwork to the closing. This forced us ( sellers ) to pay two additional days of expenses. 
Nowhere in the documentation we signed did anything say we forfeited our rights to our money in escrow. After 30 day, a phone call was made to The Money Source requesting the money in escrow. I was told that I relinquished the rights to that money ( over {$1200.00} ). After speaking with my attorney, many hours were spent dealing with the money in escrow. This is time an attorney had to use to rectify an escrow check which is protected by RESPA. Finally 43 days after the closing, the money was received. 
45 days after close I received a call from The Money Source saying my account is behind! I do not own this mortgage, but my information is still associated with the loan. In an email from The Money Source to the buyers of the property, it stated a payment was not due for 30 day, yet this is the second month the mortgage company is requesting payment ( XX/XX/XXXX, XX/XX/XXXX). XX/XX/XXXX payment should not have been due.

This loan was assumed. Time and money has been sacrificed at the hands of The Money Source

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: AES/PHEAA
State: TX

Complaint narrative:
In XX/XX/XXXX AES reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called AES to inquiry and dispute. The AES representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. AES responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my  account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Texas Auto Credit, Inc.
State: TX

Complaint narrative:
I am financially going through a difficult situation and this company will not work with me on my account. I called and spoke to my account handling person and she stated they can pick up my vehicle because I can not make a full payment. I feel that they are violating my rights as a consumer all I asked for was for them to take a partial payment so that I can try to make an attempt to keep my vehicle. My account representative was very rude and hostile. She has no customer service training and should be taught how to treat people with respect. This company should be investigated due to their horrible tactics. I have not received anything in writing indicating they have the right to pick up the vehicle. Please assist. Last 4 digits of my ssn XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
IN REGARDS TO TRANSUNION XXXX. XXXX XXXX XXXX P.A. XXXX I HAVE TRIED SENT CERITFIED AFTER CERTIFED LETTER TO THESE GUYS TO TRY TO GET WITH PROPER DOCUMENTATION TO ADD AN EXTENDED 7 YEAR FRAUD ALERT TO MY FILE AND THEY HAVE YET TO DO SO. THEY HAVE NOT EVEN ANSWERED ANY OF MY DISPUTES BACK WHICH IS BECOMING VERY TIRESOME FOR ME AT THIS POINT SO I TURNING TO MAKING A COMPLAINT. I HAVE A LAUNDRY LIST OF THINGS THAT NEED CORRECTING. IM A VICTIM OF IDENTITY THEFT AND I HAVENT BEEN TREATED LIKE SUCH WITH HAS ME VERY XXXX AT THIS POINT. WRONG FRAUDULENT NAMES AND EMPLOYERS AND CREDIT INQUIRIES AND IDENTITY THEFT ACCOUNTS.

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 2018-07-18 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: KY

Complaint narrative:
I contacted this company many times explaining an ex husband used this account without authorization for a couple of years until discovered by myself in XXXX. He was making payments up until this point and it had happened with several accounts which were closed and charged offed. I asked them to correctly verify this account and provide detailed information. Over the past two years they just keep sending the same two pieces of paper XXXX stating dispute has been resolved and the other that has been verified. Verified with what. I have rave information from XXXX XXXX because they charged it off on my credit file in XXXX but could not find where I reported account stolen so they sold this account to a credit broker XXXX. According to the credit bureaus the last payment made on the account was XX/XX/XXXX so it has exceeded the statue of limitations for credit card debt in Kentucky that a collector can legally sue or collect so I ask that this collection company remove themselves from my file please. I have never verbally spoken to them since they have never accurately verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF OMAHA
State: SD

Complaint narrative:
In XX/XX/XXXX I was granted a forbearance from XX/XX/XXXX until XX/XX/XXXX. ( I have copy of agreement ). On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX a letter from the bank stating they were returning the mortgage payment. During this time I had been working out some kind of payment arrangement. Our ng this to me no one could give me an exact amount I owed. First National Bank stated I owed {$1900.00} on XX/XX/XXXX, {$1900.00} on XX/XX/XXXX, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$2800.00}, XX/XX/XXXX, {$2300.00}, XX/XX/XXXX {$3800.00} and {$2300.00} and XX/XX/XXXX {$2600.00}. Each time I emailed or called XXXX. I could not get a straight answer. 
The above is only a few of the different amounts the bank said I owed. 
I have hard copies of everything I listed here and more

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 2018-07-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A company reporting a debt will not send any information other than a bill. Experian is reporting as delinquent. I have asked them to verify and send any information about the debit but they have not authenticate the debt. They still refuse to remove from credit report.

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 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX - Started discussing with a XXXX XXXX from EverBank XX/XX/XXXX - Application submitted / Credit check done XX/XX/XXXX - I think Rate locked. Have few days to finish the application XX/XX/XXXX - XXXX  concern how a {$5000.00} float down deposit was shown in disclosures XX/XX/XXXX - Was promised the deposit is refundable if mortgage doesn't proceed XX/XX/XXXX - Paid a {$5000.00} via credit card for a float down option XX/XX/XXXX - Spoke to XXXX XXXX and expressed the mortgage is facing inspection issues. It wont ' close XX/XX/XXXX - She said she is working on it. She said she will look into the refunds Between XXXX to XXXX - couple follow-ups stating the bank is working on the refunds XX/XX/XXXX - Jayne/bank asked for some " seller can not convey title '' letter. My attorney can not provide that letter as mortgage fell through due to inspection issues XX/XX/XXXX - Followed up again for refunds to XXXX. No update but said i will check XX/XX/XXXX - Followed up again if they need more details or asked for supervisor. 
XX/XX/XXXX - or so - Spoke to XXXX 's XXXX Between XXXX and XXXX - multiple follow-ups ... 
XX/XX/XXXX - XXXX said he can not refund the {$5000.00} deposit. 

I have documentation from attorney that there are multiple inspection issues which is causing the contract to fail. I feel the Representative of the bank did not do much do address and in fact provided incorrect information when trying to sell the float rate lock product. I would like to take this to a small claims court and proceed filling against the agent and the bank for not helping through the refund of the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Ran credit report for home loan. Report came back with a credit card opened that I have never had. I do not have any credit cards. Also says account was opened in 1984, I was not alive in XXXX. This needs to be removed from my credit report.

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XX/XX/2018 To Whom it may Concern, Regarding XXXX credit card from Capital One. 

In a recent inquiry about XXXX credit card account we were informed that his account had been closed out because it has been inactive for over three years and there was no balance. The account had over 80,000 valid airmiles that is worth a cash value of around {$400.00} dollars. 

We reached out to Capital One regarding this issue over a year ago. We asked that a replacement credit card be mailed so XXXX could use the account thus keeping it active. We never received the replacement credit card but did receive a statement with a XXXX  balance. Shouldnt this action alone create an active status? 

I was informed that we should have received email and mail about the account going inactive. To the best of my recollection we didnt receive any. 

Im reporting this issue because I think this is an unethical practice that benefits the credit card companies. They have basically stolen money from us that we saved and earned over years of purchases on the credit card account in the form of " airmiles '' If they insist on closing the account shouldnt they have at least paid out to us the point value in cash. What happened to the never expires airmiles promise! 

I would appreciate any help regarding this matter and would like the public to be informed as well. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation