vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
SUNRISE CREDIT SERVICES , INC., sent me a Debt Validation letter dated XX/XX/2021 ( see attached to this complaint ), attempting to collect a debt. In the same letter it advises that I have 30 days to dispute the validity of the debt they were attempting to collect. 

I responded with a debt dispute letter dated XX/XX/2021 and mailed it on the same day of XX/XX/2021 ( see attached dispute letter and copy of USPS stamped envelope with postage?? ). My dispute letter requested that Sunrise Credit Services " Validate '' the debt of {$1700.00} pursuant to FDCPA 1692g 809 ( b ). 

SUNRISE CREDIT SERVICES , INC., FAILED to address the validation of the debt and sent me another collection letter with a new amount of {$610.00} dated XX/XX/2021. ( see attached to this complaint ) Clearly SUNRISE CREDIT SERVICES INC., is in violation of FDCPA 1692g ( b ) 809 ( b ), 1692c 805 ( c ), 1692e 807 ( 1 ) ( 2a ) ( 3 ) ( 6 ) ( 9 ) and 1692k 813 ( 1 ) ( 2 ). 

They are also reporting invalidated information to the 3 major credit bureaus which constitutes fraud under federal and state laws. As a result, my credit rating is in now jeopardy.

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 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Recovery Management
State: TN

Complaint narrative:
I sent a certified ceist and desist letter to Fox collection company in XX/XX/2020. I have received three phone calls from them demanding to collect a debt that I have no recollection of.I have never engage in any business with this company nor have I signed any contracts to do so. I've also sent several certified letters requesting debt validation within 30 days. They have failed to validate the debt and continue to contact me after the ceist and desist request. They also continue to report fraudulent, obsolete account information to the credit bureaus which is damaging my credit. Fox collection company knowingly continues to violate the FCRA and I have documentation from year XXXX to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
A loan modification package was submitted to Dovenmuehle, Loss Mitigation department on XX/XX/2021. We fell behind on our mortgage due to XXXX XXXX XXXX. At that time, we were only 4 months behind on our mortgage. During the review, the servicer was constantly requesting the same documents 3 or 4 times. The modification review is still on going. Each time the servicer is called for a status update, we are being told " no new updates ''. We are now in XXXX and still no decision. We have spoken to representatives, team leads, supervisors and escalation supervisors. All to no avail. When this process started back in XX/XX/2021, our mortgage was {$5400.00} past due, we are now over {$18000.00}. We were ready to resume making our payments back in XXXX. This is Servicer neglect and abusive and should not be tolerated. I have attached every conversation along with names and ID numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.

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 2021-12-02 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: TN

Complaint narrative:
XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by XXXX day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My name is XXXX XXXX and I am writing this complaint on my own behalf, and there is no third party involved. I have never contracted with " Bridgecrest Credit Company '', whom is claiming that I owe an alleged debt. I do not consent to or agree with these claims. This company, whom I do not recognize and have no idea how they even have my personal information, is now reporting on my personal credit reports and causing harm to my personal reputation. I have never done business with this company and never authorized them to access any of my private personal information, nor make any of the fraudulent claims that they're making. This is Identity Theft and Fraud, and is in direct violation of a number of my rights as a Federally Protected Consumer, under 15 USC Chapter 41!

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Multiple attempts in contacting PNC to close a fraudulent Credit Card account. 

Four calls, four extended holds, a large loss of time for a commission sales person only to have yet received anything in writing confirming my report per guideline of FCRC605B and the FCRA, no confirmation number, no complaint number, only the name of a case manager who isn't in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
We spoke with XXXX XXXX at Mountain Run Solutions ( Collection Agency ) on XX/XX/XXXX. We let her know that we had never done business with XXXX. She sent over an alarm contract that was made between our XXXX restaurant in XXXX with XXXX XXXX. We sold the XXXX restaurant to a new owner and then they went out of business. The new owners might have been doing business with XXXX, but we never had an agreement between us and XXXX. 

We notified XXXX XXXX at Mountain Run Solutions that she needed to remove the claim on XXXX XXXX credit report. We let XXXX know that she was causing financial damage to XXXX XXXX fi she did not remove the invalid debt within XXXX to XXXX business days. 

XX/XX/XXXX we reached back out to XXXX to get a response, asking her how her company would like to proceed and if they wanted to continue causing damage without any financial obligation with XXXX XXXX and XXXX. She responded back that she has already validated XXXX debt and the account is valid. 

XX/XX/XXXX we reached out to XXXX and we spoke with XXXX at XXXX Customer Service in the XXXX office. He did some digging and came to the conclusion that this was not a valid collection and asked us to tell the collection agency ( Mountain Run Solutions ) to call the Loyalty Department with XXXX  to have this taken off XXXX XXXX credit. 

We immediately relayed the message to XXXX XXXX at Mountain Run Solutions and then on XX/XX/XXXX she responded Sir we do not contact XXXX like that. We just purchased their debt so if anything needs to be rectified it needs to be done by them directly with us. At the end of it all, they are the ones who placed this in collections. 

We responded to XXXX XXXX that just because they purchased the debt, that doesnt make it a valid debt and that she needs to call and speak with XXXX. She is refusing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
It appears that on XX/XX/XXXX credit of {$1000.00} was extended fraudulently and a purchase for that same amount was made at XXXX. On XX/XX/XXXX I received a card in the mail which I did not apply. That night I notified the card agency and they indicated that they would send an affidavit for me to complete and return. The affidavit was dated XX/XX/XXXX although I did not receive it until later in the month. I filled it out and returned it with a copy of the police report. This was mailed certified with a return receipt on XXXX and returned within the 20 days as requested. As of today XXXX the account has returned to my credit reports and I have submitted the police report to the credit bureaus and will once again issue a dispute regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXXXXXX XXXX System ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-02 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Department of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
Got a letter in the mail stating that my card was sent out out XX/XX/2021 it is now XX/XX/2021 and i have claimed my weeks and they stated to me that my money will be getting sent to a Way2Go card and i told them i dont have a way to go card i contacted the company the lady did not want to help me she transferred to a line that never existed her name that she gave me was XXXX she did want to give me any more information or let me speak to a supervisor she was trying to hang up on me and she did not help me she was very rude and i called back and got another representative he told me that they didnt have any trace of me in the way 2 go system what so ever but i have a paper with a claim ID on there as well as a CID number and they cant find it with me social or name or address or anything so how is my money being sent to a company that doesnt have anything containing me in their system and is not willing to help me get to the bottom of the situation i have 4 weeks worth of money coming the card was supposed to be here in 7 to 10 business days here it is almost a month later and they have no records of me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This has been an ongoing issue with XXXX. I am on a bi-weekly payment plan and they take my mortgage payment and apply it to additional principal and they take my extra payments I make and apply them to my loan. This is a sporadic problem with them. I have reached out to them on numerous occasions and my last few attempts to have them call me have gone unheeded. I have exhausted everything I can do even emailing their CEO who has never responded or had anyone in their office respond. Have left messages to have this issue escalated up the ladder and still no calls to me. I feel as though I am paying more interest because of their practices then I should be paying. The last person I spoke with ( XXXX XXXX told me the problem is because I have a bi-weekly payment plan with them. I feel this is absurd as if this was the case it would be happening all the time and not sporadically in which XXXX had no response. I feel you should look into XXXX and see if this is happening to everyone with bi-weekly payment schedules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a checking account with B of A. B of A allowed my wife ( we are separated ) to set up recurring payments on the account. My wife ran up a large overdraft on the account, including hundreds of dollars in NSF charges. I tried to pay off the account and close it while this was going on ( she was purposefully doing this ). B of A refused to close the account because of the overdraft and when I tried to pay the overdraft, with a check from my XXXX account, refused to take the check to do so. I was at the B of A branch at XXXX in XXXX and instead of closing the account, or even letting me talk to a B of A banker about it, they stuck me in an office and a customer service rep tried calling B of A on the phone. After waiting on hold for somewhere between XXXX XXXX  and XXXX XXXX XXXX  I left. Same thing when I call, am put on hold for huge lengths of time. Although I am a XXXX XXXX, I still work and can not wait indefinitely. Have tried to go on-line to pay and close but if B of A has this functionality I cant figure it out- not obvious.I have gone to 3 separate branches to accomplish this without success. 

I want B of A to back out the nsf charges, many of which were incurred because they would not let me close the account and have someone contact me ( XXXX XXXX XXXX ) who can take an XXXX  so I can resolve this. Also, to the extent they report negatively to any bureau, clean that up.

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 monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: IL

Complaint narrative:
I would like to file a formal complaint against CMG Financial mortgage. I noticed that my most recent credit report contains a late payment for XX/XX/2020. 

I reached out to the mortgage company directly to update these late payments. I explained my situation and how this was a direct result of the covid-19 pandemic. My cries fell on deaf ears and I was given the run around filled with false promises. I have a paper trail of my request. 

During the time the late pays took place, we had contracted the XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, due to the stay in place order in XXXX, Illinois, my spouse was out of work and my job began to limit hours. 

I have an excellent payment record. This was an unavoidable oversight caused by the economical effects of pandemic. 

My finances are top priority and I have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then and prior to, Ive had a spotless record of on-time payments. I am asking for a courtesy adjustment on my account because of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion credit reporting service requires an initial {$24.00} charge to register an account to request a credit report that should be free/gratis ; then sends an e-mail confirmation of new subscription with a monthly, recurring charge as well as the option to terminate membership after the first month and initial payment.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But Equifax still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.

Company response to consumer: Closed with explanation