vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} acct # XXXX SeQuium XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX XXXX open date : XX/XX/2019 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 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
I have been requesting to pause my mortgate payments because of the COVID-19 for 2 months. They do not return my request. Also, there is another paper application for that. Their system is very difficult to apply. Other lenders do not make so difficult system to ask a temporary relief. It is very cumbersome how to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only Santander bank answered be in a ridiculous way, telling me that they dont understand what I want.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried linking my bank account to a " XXXX  '' application thru XXXX XXXX. Was met with a " PNC is not allowing this linking '' error message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: SC

Complaint narrative:
discover financial repoted to the major credit bureas that i am reponsible for A credit card debt that was open in my name. during the time the card was open i was in the hospital XXXX  XXXX and my home was robbed. I filed A poice report and the debt was deleted. then A year later they placed back on my file. the company removed it from my file twice, then put it back on. i am A victim of identity theft. my whole credit history has been ruined because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a 100 % flawless record with PHH, yet they have referred me to collections. Sent me a letter that they are attempting to collect on a debt, and will inform the credit agencies with a negative report. I called them twice and both times when I asked why they sent me to collections they hung up the phone. A third call asking to talk to a manager and they refused. 

Calling into their automated system confirms my account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
on XX/XX/2020, i was attempting to find possible student loan refinancing with Citizens Bank. 
Initially, they required tax documents from the previous two years. It was not my understanding that I consented to a credit check at that time. I did not see a consent form attached to their lengthy paperwork. They performed a hard inquiry on my credit. I was alerted by XXXX XXXX of this action. I am very upset with this procedure. 
It has had negative effect on my credit score. I contacted them via email XXXX and requested they withdraw this hard inquiry, but they refused. I am no longer interested in their offer. 
Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
On XX/XX/2020 I spoke with several representatives from TransUnions Fraud department in attempt to get several fraudulent hard inquiries removed from my credit report. 

I spoke with XXXX XXXX re : XXXX I told her that the hard inquiries were fraudulent at the beginning of the call toward the end she told me that I hadnt mentioned that the inquiries were fraud and disconnected with me after being very rude. 

I called again only to be met with more roadblocks and attempts to stall me from getting the fraudulent information removed from several agents. In all I called about 3 times and spoke with about 9 agents. None were able to assist me with getting the fraudulent inquiries removed from my 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 2020-07-07 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX-amount stated owed- {$670.00} XXXX CC . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/XXXX  # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Security Credit Services, LLC
State: TX

Complaint narrative:
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXamount stated owed- {$670.00} XXXX XXXX XXXX I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/MC # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GAXXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

Security Credit Services - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX Security Credit services are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward XXXX  to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only XXXX bank answered be in a ridiculous way, telling me that they dont understand what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only XXXX XXXX  answered be in a ridiculous way, telling me that they dont understand what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
My loan agreement was dated XXXX I took out a title loan, and upon making my first few payments, i asked what my balance was. The amount i was given, was higher than the initial loan amount. I payed over the payment amount of {$170.00} each time. I paid {$200.00}, {$200.00}, and {$240.00}. 
When i applied for the loan, and signed everything on the computer, i had no idea of what i was getting myself into. I had no idea, until i complained, and they explained to me that my monthly payment had to be accompanied by a daily fee of {$5.00} and some change. 
My complaint is that title max charges predatory fees. I complained to the attorney general, and upon them looking into the complaint, called me and told me that even though it is predatory, I needed to complain to the legislators to get something done. They said that they counld not do anything about the issue. I did take out this loan, but i had no idea that i had to pay a monthly fee of {$170.00} plus over {$5.00} daily each month, and that anything paid over that amount would count toward my principal. 
I caught the XXXX XXXX, as well as lost my job, and the interest never stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
- XXXX had family hardship paying mortgage applied for a Modification received one which due to discrepancies the investor agreed defer 40 % + of principal to the end of loan 30 year term to allow for affordable mortgage payments of approximately {$1200.00} a month for 30 years. 
This worked until a few years later due to a loss in a family coupled with others loss of income caused another hardship in which I contacted ( servicer at the time ) Aurora & after informing the representative & the underwriter they agreed to modify the terms to allow the payments to be lower temporarily & the monthly payments will be lowered by approx {$100.00} a month. Few weeks later contacted Aurora representatives & expressed my concerns on the Modification being executed & was told that it's being processed. 
Until one day I followed up & was told the new servicer is now Nationtionstar. I contacted Nationstart & was told that I will have to reapply for a Modification. I apply & about 4-7 months later we receive a Modification offer that is twice or triple my Family 's total income. We call to inform them what Aurora states & told to reapply for Modification, we do & the cycle repeats itself. This has the same until my Housing Advocate submitted a escalation with the XXXX XXXX XXXX XXXX XXXX in XXXX alleging Nationstar/MR.COOPER failure to honor their agreement ( breach of an oral contract ) to provide an affordable Modification as agreed to in XXXX has caused financial loss from XXXX to date which os water fall option violation under the terms and agreement MR.COOPER/Nationstar has with the U.S. Treasury to date a.k.a . XXXX XXXX XXXX XXXX " XXXX '' agreement. 
My housing counselor has attempted to file an escalation request with Rscaltion Yeam but has been returned due to closure of that department. He was told that there may be an internal department that may process his request and has filed his request but as of to date has yet to receive a response. 
Meanwhile MR.COOPER has sent us a letter denying my request for them to honor what the investor 's agreed to back XXXX or just reoffer the XXXX Modification? 
In addition we are XXXX seniors with medical conditions that our doctors state put us at risk of XXXX & after receiving MR.COOPER last letter we are in Fear of bring foreclosed & knock-out in the streets during a Pandemic giving us not much opportunity for survival. Your assistance is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been dealing with Discover Card regarding a disputed transaction with a vendor over a charge incurred for an event which was cancelled. I used my Discover Card onXX/XX/XXXX to purchase 3 tickets from XXXX XXXX XXXX to a live sports event which was to take place on XX/XX/XXXX. That event which was for the XXXX XXXX XXXX  was officially cancelled due to Covid-19 and I received an email from XXXX XXXX XXXX on XX/XX/XXXX giving instructions on receiving a refund. The email stated that a refund would be issued to the original payment source in a timeframe of 2-4 weeks. I emailed the vendor after 4 weeks on XX/XX/XXXX and received a reply from the vendor that a refund would be processed within 2-4 weeks. At that point I decided to contact Discover Card to formally dispute the transaction. I was issued a temporary credit on XX/XX/XXXX by Discover Card pending their investigation. I provided several supporting documents which were emails from XXXX XXXX to me detailing their cancellation policy and refund policy. Discover ultimately sent a final resolution email to me on XX/XX/XXXX which stated that they had decided on behalf of the Vendor. I spoke with Discover on XX/XX/XXXX in their billing department regarding the dispute. The representative went through the materials provided by XXXX XXXX XXXX and stated that the vendor claimed that the event was postponed and not cancelled. This was an outright lie and the cancellation was clearly stated in XXXX 's email to me which is what I provided to Discover in the documentation that I provided.

Company response to consumer: Closed with monetary relief