vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: WA

Complaint narrative:
Dates XX/XX/XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Amount {$1600.00} Date of Medical Service ( s ) : XX/XX/XXXX This is a SCAM claim against me. I have no idea about this provider and had never been to this provider. The date of medical service is bogus which my location at that time wasn't in New Jersey. How come this company is trying to claim that I have unpaid debt. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Please provide any necessary documents that will prove this account or debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: WA

Complaint narrative:
XXXX an EFT for {$3800.00} XXXX XXXX XXXX {$2000.00} MTC # XXXX XXXX XXXX XXXX {$900.00} MTC # XXXX XXXX XXXX XXXX {$650.00} MTC # XXXX Total payments {$7300.00} this would have taken care of 3 1/2 payments however they chose to not take the payments out of our account and have rejected the XXXX XXXX payments. 

Now my mortgage is showing 5 months past due and its in pre foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I set up payments with Ditech on or about XX/XX/XXXX for XXXX, XXXX, and XX/XX/XXXX. During the conversation the representative never told me my loan was transferring to another loan servicing company. I set up payments for XX/XX/XXXX - {$600.00}. XX/XX/XXXX - {$820.00} and XX/XX/XXXX - {$820.00}. The XXXX and XXXX payments have been processed. I received a letter from Ditech dated XX/XX/XXXX advising me the servicing of my Mortgage was being transferred effective XX/XX/XXXX, with my payment due XX/XX/XXXX. It further stated that Ditech would stop accepting payments received after XX/XX/XXXX. It said if I was currently participating in an automated payment plan with Ditech, my payment plan would be cancelled as part of the transfer of servicing to XXXX. This is not what happened in my case. Ditech processed a payment through my checking account on XX/XX/XXXX. 
After receiving the XX/XX/XXXX letter from Ditech I started researching to learn more regarding the transfer of servicing. XXXX XXXX  XXXX had a welcome to Ditech customers on their website. It said the transfer date would be XX/XX/XXXX. I am finding Ditech to continue with Deceptive trade practice. I requested a copy of my original paperwork before and never received it. My loan should have been paid off or close to be paid off but the practice is deceptive and as a customer I do not know where I am because they fail to be honest. My loan has gone from XXXX XXXX  to another servicer, to Ditech and now XXXX although Ditech just processed a payment. They are just taking money from me and saying I owe fees and not being honest. Please help this fraud to stop. I filed a complaint over and year ago and it was partially resolved and now this is happening gain. These are scandals to cause homes to be paid for over what they are worth and what was in the original contract. Ditech even changed my loan number a few months back. Their practice is deceptive and unfair. Ditech unlawfully deducted money from my account on XX/XX/XXXX according to the letter they sent dated XX/XX/XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted Transunion about some inquiries on my credit report that I did not authorize, I was car shopping and I had my own financing. I told the dealers this, I was asked for my drivers license and a second proof of Id like a social security card. I let them copy it and then went for test drives I never asked for financing. I never signed anything at any dealership that authorized them to run my credit. 

The last time I had just downloaded a credit ap to my phone when I went to pick up a truck I agreed to purchase, I gave them the check they asked for my Id and a my credit card to make sure I was myself then my XXXX  XXXX   app alerted me that my credit was pulled. While I already gave them a bank check. I then contacted ( by phone ) Transunion regarding unauthorized hard pulls that were on my credit report and they ignored me. I sent them a letter and I looked up the law regarding the fair credit reporting act section 604 section 15 161b regarding legally permissible purposes and without a signature or any investigation into my complaint left these inquiries on my report. I will include a copy of the letters.

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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: General Mortgage Capital Corporation
State: CA

Complaint narrative:
Instead of providing a loan estimate document, GMCC started processing the refinancing straight away. 
1. Getting a basic loan estimate was difficult. Lender asked me to submit all my paperwork and ran my credit report before they gave me a loan estimate or Loan worksheet. Agent send me an email quoting the loan estimate 0.375 ( instead of 3.75 ) and XXXX closing cost, which was the promised rate. When I received the final loan estimate closing cost became {$13000.00} ( This includes a portion of my property tax around {$6800.00}, but still it is still way more than they promised. 
2. In order to get a Loan Estimate I had to provide all my personal details and financial information over an unsecured email conversation.

3. Communication was misleading and forced me to e-sign a refinancing the mortgage before seeing a loan estimate. 
4. Manipulative in the way the agent/company processed 5. They provided me an loan estimate after several days and several emails and still has excessive closing costs which was not promised 6. GMCC   send me a document to e-sign by mentioning that acknowledgement of receipt of loan estimate, which was never sent to me. After insisting for a real loan estimate, they finally sent me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: GA

Complaint narrative:
This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Mr. Cooper 's billing practices are illegally applying principal payments towards interest. Mr. Cooper also fails to disclose incorrect information it provided credit bureaus. 

My loan was transferred to Mr. Cooper in mid-XXXX. I made two previous mortgage payments to the old lender which included extra payment towards principal and also had credit applied at closing towards principal. I contacted them via their website on XX/XX/XXXX alerting them their balance was ~ $ XXXX higher than actual, provided them a copy of the a XX/XX/XXXX statement showing this, and asked them to correct it and the XX/XX/XXXX payment. They stated they I would receive a letter of resolution within 7-10 days. I never received a letter from them. Instead, I checked the account on XX/XX/XXXX to discover they had credited the extra payments on XX/XX/XXXX,  1-2 months AFTER they were actually made. This meant XXXX {$60.00} of principal was washed away, including my XX/XX/XXXX payment. 

I contacted them via the website on XX/XX/XXXX and provided them statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing all previous payments including the breakdown between interest and principal. They responded on XX/XX/XXXX, " Due to the nature of your request, we ask that you please call us directly so one of our account resolutions representatives may assist you. '' I called on XX/XX/XXXX and was informed the phone agents could not access my previous system emails or submitted supporting documents. The agent said my case would be elevated and should be resolved within 7-10 days. 11 days later, the payments are still not corrected but they have collected their monthly payment on XX/XX/XXXX.  Although the extra payments were eventually credited, I'm still paying extra interest on the ~ {$60.00} which was never credited to the principal from the early payments. 

This extra interest is small, but it will add up over time and I'm just one loan. If Mr. Cooper fails to properly bill me and apply payments on the proper date are they doing it to others? This illegal activity can add up to big dollars. 

Mr. Cooper is also impacting my credit. I received a letter in XXXX in which Mr. Cooper acknowledged they sent incorrect information to the credit bureaus. The letter did not state what misinformation was sent or to which agencies, only that corrected information was sent. If I had questions, I was to call customer service. When I called customer service the agent said wrong information was sent but the system did not specify what, to whom, or how it was corrected. The agent said there was no way for me to get this information. I am astounded that Mr. Cooper does not have to provide specifics. How do I know that the correct information was received by the credit bureaus or even that the information Mr. Cooper sent was actually correct and went to the original recipients?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I relocated to another city for college ( away from the XXXX  ). They continued scheduling appointments, although I verbally explained that I was moving and that I could not travel that distance to make appointments. I was paying out of pocket ( Monthly payment plan ) for these expenses with the help of parent as needed. I was told there was another office near my school ( which I got in contact with ) and was told I basically would have to start a new contract or treatment. Which included a XXXX  XXXX  that they said was needed and I never received. I decided not to do so because it was pointless being as though I had already had them on for a while and had been paying a certain price. I also did not drive ( parents werent around to transport me anymore ) and I didnt have a stable income. At this time I did not know that I was still being charged although I wasnt visiting the office. Fast forward I joined the military ( again relocated ) in which the XXXX  had to be removed in order to attend basic training. After checking my credit score I noticed 1 derogatory mark. I contacted the original provider and informed them again that the XXXX  had been removed and I relocated and that I did not even finish my treatment. They told me it had already been sent to collections so it was out of their hands, they forwarded me to the correct point of contact and I explained my situation to them as well. In return I was offered a deal to pay off the payment. I never went to an appointment unpaid. The payments stopped when I stopped going. I was paying when I was receiving treatment in the original city.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: GA

Complaint narrative:
This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.

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 2020-03-04 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: GA

Complaint narrative:
This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.

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 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NV

Complaint narrative:
These are not my accounts, inquiries, and there is a name thats not mine. Please remove them immediately.

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 2020-03-04 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: NV

Complaint narrative:
These are not my accounts, inquiries, and there is a name thats not mine. Please remove them immediately.

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 2020-03-04 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: NV

Complaint narrative:
These are not my accounts, inquiries, and there is a name thats not mine. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted Experian about credit report inaccuracies Name, address, employer and inquiries that I never authorized. 

They amended my name employer and never responded to my letter regarding credit inquiries. There was no mention of it in the letter I will include a copper of the letters. 

The fair credit reporting act says they need to investigate these, they arent allowed to ignore my complaint. Which they have done. I have no accounts with these creditors nor did I ever sign anything or agree to have my credit shared.

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 2020-03-04 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
Hello ConsumerFinanceProtectionBureau, and Discover Financial Services I'm writing in dispute to my account. It appears my card has been skimmed somewhere, some how and for some reason. 

I'm requesting any payments made to XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX or however it appears on your end, XXXX XXXX, immediately be reversed and returned to me as soon as possible. 

It turns out someone also made fake payments to my account just to keep flipping the balance back and forth. 

At this time I will not be accepting any calls, everything must be done through the CFPB Portal, or by email. 


I've attached a statement to verify myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I want to thank you for sending me billing statements per the FCRA billing statement are not debt validation anyone could or may have  forged statements in my previous complaint I specific asked your office for payment history from the time this account was open up until the account was report negatived as well as contracts with my signed signature attached but you failed to send me the information. I spoke with XXXX via the CFPB website they were unable to tell me who the debt was sold or placed nor transferred to. Also I would like a copy from your office of how much you paid for this debt the date that you purchased this debt. Such as a canceled check that you wrote to XXXX. I will be waiting on this information in the mean time I ask that you cease and desist until you provide me with the proper documents requested thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 overdraft fee charged twice {$35.00} each totaled to {$70.00} I was only refunded {$35.00} XX/XX/2019 overdraft fee charge three times {$35.00} each totaled {$100.00} I was refunded none due to being refunded previous months. 

I have expressed to Bank of America that I never receive email notifications or notification on my phone of my account falling below a certain amount and needing to bring it back to a positive amount in sufficient amount of time. I told them if my bank account is positive when I check it XXXX PST then by morning Im hit with many overdraft fees because I am sleeping then there is not much I can do to prevent it. To my knowledge if my account is positive XXXX EST then I should be fine is money is taken out and I have until XXXX EST the next day to make the account positive but it seems as if there system does not communicate clearly.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was a victim of the Equifax data breach. 

I was a paid subscriber for many years, recently after I was a paid consumer I went to refresh my credit score, I was met with a prompt that before I could refresh I a had to agree to hold them not liable for the data breach. 

I got a copy of my Equifax credit report with many inaccuracies including hard pulls I never authorized, I wrote them and they refuse to investigate, they offered no evidence these inquiries are legitimate and I to, d them that I never authorized these inquiries.. the letter they sent me, ( I will include a copy ) they stated these are a matter of fact, but the the fair credit reporting act says that I had to authorize these inquiries which I did not ...

Company response to consumer: Closed with explanation