vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Hello, Approx. 11 years ago, I purchased a home as a first time home buyer. Shortly thereafter, the value of the property dropped well below what was owed on the mortgage. The mortgage is currently with Mr. Cooper/XXXX  XXXX. I continued to pay the mortgage as per my agreed upon contract. However, approx. 5-6 years ago, there was a hardship and reduced income. At that time, the mortgage was current and remains current to this day but I took advantage of the government HAMP modification program to attempt to make this more affordable with my reduced income. I also worked in other ways to reduce my expenses. At the time, I was advised that if I continued to pay on the mortgage per the modified terms that every year I would receive {$1000.00} principal forgiveness. This forgiveness was never applied to my mortgage balance so I called Mr. Cooper/XXXX  earlier this year to address this. When contacting Mr. Cooper, I was originally told that yes, I should have been receiving this forgiveness every year on the anniversary of the approval if the account remained in good standing, which it has. I was told that the research department would look into why I didn't receive the forgiveness. Eventually, I received a response that stated I did not qualify for forgiveness of principal as my monthly housing expenses did not decline enough with the modification. I had never been presented with this stipulation and it was on no paperwork that I signed. I have requested Mr. Cooper send me documentation to verify this stipulation but they have stopped responding. I feel as though I was a victim of a bait and switch by a large mortgage company that feels they can get away with whatever they want. I feel cheated. I work hard and pay all my bills on time and was offered help only to have the rug pulled out from under me. I don't understand why I was told for years that I would receive principal forgiveness but when it comes due, they won't apply it and won't provide me with any paperwork regarding this. It seems as though they are making it up as they go. I have done everything in my power to pay this debt on time and when I get close to being above water, I am done a disservice by the mortgage company and this greatly impacts my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I first disputed a repossession on my credit report with Experian XX/XX/2019. I was unsatisfied with the results from their investigation saying verified so I attempted 2 more times to dispute the accuracy of legality of it's presence on my credit report. However, within days their investigation was again complete. So I sent certified mail asking them for debt validation. By the 15th day they did not respond and instead opened up another dispute. I am fed up. I am a single mother and still can not buy a car. They are stalling taking off this negative account from my credit report for no reason. I called and spoke with a dispute supervisor from Experian by the name of XXXX for 40 minutes on XX/XX/XXXX. He informed me that I mailed my documentation to the wrong address and that they never received the debt validation letter I mailed on XX/XX/2019. I informed them I mailed the letter and documents to them via certified mail and it was delivered by XXXX tracking number XXXX on XX/XX/2019 at XXXX XXXX signed for by Experian representatives. I am disappointed, but most of all appalled by their negligence to follow the FCRA 611 section a ) Which clearly states all unverified accounts must be removed from credit reports. Experian is violating my rights and this is not okay.

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 2019-05-06 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: FL

Complaint narrative:
AFTER CHECKING MY CREDIT REPORT, I HAVE IDENTIFIED AN ACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I AM ASKING THAT THIS ACCOUNT BE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
MY INSURANCE PAID THIS BILL XX/XX/2017 AND THIS IS NOT SUPPOSE TO BE ON MY ACCOUNT AT ALL AND IT NEED TO BE REMOVED IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has made to derogatory reporting on my report. I called to try and resolve the issue when I was told this I from accounts in XXXX. The account was recently purchased by XXXX XXXX and was reported on XX/XX/XXXX and XX/XX/XXXX as derogatory. I was told the original account was with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX log on to my savings account of {$10000.00} had been frozen leaving a balance of XXXX by Midland Credit company out of California contacted them and they informed me that a suite had been file in the XXXX XXXX county court back in XX/XX/XXXX for a debt of {$8900.00} which I do not dispute. Is been 11 years I did not received notification to appear at that timeI defaulted due to serious family and medical issues. I logged on to the XXXX XXXX clerks office and found a case number XXXX showing the following events : XX/XX/XXXX Garnish executed XX/XX/XXXX case eligible for distruction XX/XX/XXXX final judgement for {$3500.00} XX/XX/XXXX debt {$8900.00} Local case number XXXX State case number XXXX status closed filling date XX/XX/XXXX judicial section CG01 plaintiff XXXX XXXX XXXX   garnish XXXX XXXX XXXX no hearing information Amount that Midland is collecting from me at present {$24000.00}. In eleven year I had no contact in regards to this collection. I'm a retire senior leaving with my XXXX XXXX years old mother which I have to care for our benefit is social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: MA

Complaint narrative:
i was victim of identity theft, somebody used my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMERCIAN EXPRESS VIOLATED " FDCPA/ FCBA '' ( 1692g VALIDATION OF DEBT ) REFUSE TO REMOVE {$2500.00} SUBMITTED BY " XXXX XXXX XXXX OF FRAUD/ UNAUTHORIZED CHARGES WITHOUT MY CONSENT ... NOTE : A FORMAL COMPALINT HAS BEEN FILED WITH " XXXX, FTC AND VA AFFAIRS OFFICE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX XXXX Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/2019, I called Capital One as I had read their Hardship page & how they assist their customers that need help. As my XXXX case is in the US District Court after 7 years of waiting I need help. Today, I have talked to 22 representatives & most told me to call back next month when I'm delinquent. I've been transferred many times & been yelled at when transferred to a wrong department. I've also been screamed at. I talked to one person that actually tried to help me. He put me on hold to find out how my interest rate could be lowered & to what. His supervisor came on & voided his actions. I got a letter in the mail saying I was being put on their Specialty Assistance Program. My last 3 past due fees are going to be waived but I've never been past due. Nothing else was offered. I canceled my card personally. Today, I was told to call a third party credit counseling business & they would work with Capital One on my behalf. I'd tried that before & the company wanted over {$4000.00} to talk to 3 credit card companies for 1/2 hour on my behalf. Capital One 's Hardship Department is a farce.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2019, I was informed by Discover that my credit card had possibly been used fraudulently. Upon checking my account I noticed five charges that had been made on my card by a scammer in XXXX XXXX, Florida. I live in Georgia  and have never been to XXXX XXXX. Discover realized the mistake and credited the Florida charges. My account was closed and a new card was to be issued that I should receive in 5-7 days. Discover also added additional security questions to my  account including a verbal password stating these additional features should protect me. I also put a security freeze and fraud alert on my credit report. 

After 15 days, I contacted Discover to inform them that I never received a new card. A Discover representative said the new card had been sent but it had not been activated. When she confirmed my address, she used the XXXX XXXX location!!! The scammer was able to get a new Discover card in my name sent to her Florida address. How is this happening? 

Again, I attempted to correct the address debacle. Discover closed that account and sent me a new card via XXXX XXXX to my address in Georgia. I received the card the next day. As of today ( XX/XX/2019 ), no new charges have been made to my credit card account. 

The compliant is that prior to XX/XX/XXXX and since that time the scammer has been able to change my mother 's maiden name and change the verbal password created to protect me. How does a maiden name change? Shouldn't that create alarm? The scammer knows my name, social security number, and birthday. I welcome the third degree I now get when I call and I continue to request additional security on my account as the scammer seems to know everything typically used and Discover falls for it. Additional protection has been provided ; however, I continue to get emails and phone calls from Discover to verify that I want to change my email or home address, etc. 

Related to this is that I've had fraudulent activity on my Discover Bank account as well ( {$4000.00} ). Previously, I didn't realize that Discover Bank and Discover Card are two different entities and require their own security options. When I thought I was safe with Discover credit card I find out later that Discover Bank doesn't have the new information and visa-versa. The scammer had access to both. 

Even with the new security measures Discover has taken, I can never trust the Discover credit card or Discover bank again. 

Thank you PS : My XXXX  account was also compromised. One conversation resolved the matter. The account was closed and a new card was issued within days. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Someone claiming to be with " XXXX XXXX '' called my work number asking for " the protocol when locating an employee. '' When I told the caller I was that person, he would only say he is asking about protocol when locating an employee and gave me the number XXXX to call, along with a " reference number. '' When I called the number, some fast-talking woman used every possible word in the English language to make it sound like she was filing a court case ( like investigators and warrant officers ) but would never commit to anything certain. Told me the amount due was over {$1400.00} if she " took this case to court '' but only {$450.00} if paid immediately via a " bond instrument ''. I offered to mail a cashier 's check but was told they only accept " bond instruments. '' Finally, after much more threatening-type nonsense/double-speak from her, she said she can not give out her address due to " her employee 's safety '' and a " bond instrument '' is actually a VISA or MasterCard in her definition. So, she'd rather have a credit card payment ( that can be disputed or recalled ) as opposed to a certified-funds cashier 's check? How can people like this get away with this type " collection activity? '' Such a waste of time. She even said I was " interrupting her '' even though I sat silently and listened to this spiel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
I have disputed this account with Equifax and XXXX XXXX and I have filed a complaint with your bureau. No one has investigated my claim. I even went as far as filing a XXXX complaint and still each entity set in place to protect me as a consumer has failed so I am trying one last time since I now have proof of this companies erroneous claims of an unpaid debt and obvious inaccuracies. I communicated via email with XXXX XXXX XXXX XXXX as instructed by whomever responded to the XXXX complaint and they sent me a spread sheet of payment history with their company. If you care to pay attention to the spread sheet it shows months on non payment however notations of re connection of service. How can a gas company provide me with service AND reconnect service without me paying for months on end? That just is not possible. I have attached the XXXX spreadsheet and a screen shot of the email communication confirming that the payments left blank is indeed what the company shows. Again i'm asking that this collection be removed because there's just no logic to their claim. I as the consumer should not be held responsible for a {$13000.00} collection from XXXX XXXX when its clearly an error on the gas companies behalf. They are refusing to admit fault and recognize that this does not make sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I received an email alert from a credit monitoring company about a new item on my three major credit reports. There is a collection company named The CBE Group , Inc. located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, IA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX   unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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:
XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account

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 2019-05-06 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 is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24  years and had XXXX County XXXX XXXX for all 24 years not my account

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 2019-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
American Credit Acceptance acquired my former auto loan lender ( XXXX XXXX ), this was done XX/XX/2019. After the acquisition, i was told that it will take approximately 90 days to report the loan. I was also told that this loan will be reported XX/XX/XXXX. i have been calling ACA about my information not being reported and they informed me that they are not sure when they will report my loan. 

I have been making montly payments for a car that no longer works. because i dont have an auto loan being reported, i cant get a car without an outrageous rate. All i ask is that my loan is reported so it can reflect the payments i have been making.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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:
Transunion is reporting incorrectly a charged off account and a 30 days past due on XXXX - partial account number XXXX. ( Please see pages 23 and 24 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting these accounts correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past

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 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

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 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CT

Complaint narrative:
I have sent two letters to Plaza Mortgage, dated XX/XX/XXXX and XX/XX/XXXX requesting that they re-imburse tax funds held in Escrow for 2018 taxes that they did not pay. I have confirmed that are aware that we made the payments and provided evidence that the taxes were paid. 

I received a phone call from the first letter during which a rep told me that they had already cut a check, but that I needed to call in 15 days to have them send a new one since that one " wouldn't be arriving ''. We have called, and followed up with another letter. On XX/XX/XXXX I received a response from my XX/XX/XXXX letter stating that they had " investigated our accounts and found that everything was in order ''. I believe that information is false as they should either show extra funds in the Escrow account, or show a non-cashed check that has not arrived to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Granite Creditors Service, Inc.
State: CA

Complaint narrative:
This company sent me a letter stating I owed their client money. I disputed the letter within the 30 days of their letter stating I had to do so in writing or their demand would be considered valid. I disputed the letter right away and sent them a response denying a claim immediately. I was alerted my XXXX XXXX that I had a negative credit rating and a collection account which predated their initial letter to me. This company placed this collection account on my credit report in XX/XX/XXXX ; They officially notified me in XX/XX/XXXX and I responded in the same month denying the claim. 

This company has done 2 things : threatened me with a negative credit collection which is not a valid debt and misrepresented and lied about following the rules of me wanted thi=em to prove a debt. This debt also appears to be out of statute.

Company response to consumer: Closed with explanation