vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I sent a validation letter to Enhanced Recovery Company ( ERC XXXX on XX/XX/2020 and mailed it certified. I tracked the letter and noticed ERC received it on XX/XX/2020. This letter was in reference to a XXXX debt totaling {$1700.00} I finally received a response in XXXX, however, I noticed the correspondence was postmarked on XX/XX/2020. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This manufactured home is located in XXXX XXXX XXXX XXXX, dba XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX a land-lease community. The resident was evicted in XX/XX/XXXX from XXXX XXXX, XXXX, MI XXXX. The home was financed by Conseco, which was bought by Ditech, which was then bought by XXXX XXXX. We sent letters to Conseco and Ditech on XX/XX/XXXX as our first attempt to collect the site rent due, included with that letter was a copy of the Futernik v Vanderbilt Mortgage and finance Michigan Court of Appeals ruling. We sent a second letter on XX/XX/XXXX, trying to collect the site rent owed, including the Michigan case law again. We sent a third communictaion on XX/XX/XXXX including an invoice for site rent owed. We sent two copies, one regular post and the second certified. 
We completed a title search on XX/XX/XXXX through the State of Michigan which listed Conseco Financial Servicing Corp. as the first Secured Party on the title. On XX/XX/XXXX we received our regular post letter from XX/XX/XXXX back unopened. 
On XX/XX/XXXX We sent our fourth letter to Ditech Financial. On XX/XX/XXXX we sent another letter to Ditech Certified mail and received confirmation of this letter being received by Ditech. On XX/XX/XXXX, there was a noticed placed on the home stating the home was under XXXX XXXX XXXX, a subsidiary of XXXX XXXX, and the home was winterized. On XX/XX/XXXX we sent XXXX XXXX XXXX a package containing previous communications and an updated invoice for the site rent. We never heard back from them. 
On XX/XX/XXXX we received an email from XXXX XXXX  listing the home serial number XXXX, at XXXX XXXX XXXX, MI XXXX for auction to be sold on XX/XX/XXXX. I sent an email to the email listed and received an email back indicating that they only had possession of the home since XX/XX/XXXX and only owe site rent since that time. 
I have included all communications and documentation deemed pertinent. I also verified that no new title has been requested since the original title in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
My mother, XXXX XXXX, who was on the lease, as well entered into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to XXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. This was surprising because my mother was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. According to my mother, she asked him what can she do to prevent from hurting my credit. Mr. XXXX ensured her that if she makes a payment and continues to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though she has NEVER missed a payment and/or never later ( they drafts my account every 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/XXXX, payment on XX/XX/XXXX, they reported me late before XX/XX/XXXX payment was due. She inquired with Mr. XXXX and he acknowledged that she was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. She contacted Mr . 
XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/XXXX. It now XX/XX/XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they removed the account from XXXX XXXX 's but continue to report me as " late Payment ''. Which is totally inaccurate. No payments have ever been missed and/or late!!! Several attempts to contact NCS now no longer responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: SLM CORPORATION
State: MO

Complaint narrative:
A Sallie Mae Account Manager stated Make a payment of {$50.00} on XX/XX/XXXX & my account will be in forbearance until my next due date XX/XX/XXXX. You will not receive a negative report on your credit score if paid before the XXXX. 
I made the payment & still got a negative mark on my credit score. I did what was requested, I spoke of my concern about credit score & they made a negative report anyway. 

Also as of today XXXX made a negative credit report although payment, interest & fees are to be waived until XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company hasnt provided accurate information to substantiate their claims or provide their authorization of law to collect upon said debt. Also they're falsely updating information onto my credit report. After reaching out to the company they refused to correct the inaccurate reporting of different Date Last Active and Date Opened information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX  XXXX, XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX 
On XXXX  XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have called mutiple times with American express to active my card and nothing happens. I keep getting told to wait few days and its been weeks. I want to use my remaining balance on my card. this is American express business giftcard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: PA

Complaint narrative:
THESE ERRORS ARE REPORTING ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: PA

Complaint narrative:
THESE ERRORS ARE REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I complained over three times, midland ( MCM claims they closed out since they never got info on more detail back. MCM claim they sent out letter recently XX/XX/2020, never came. reported another issued but they are all lies. In mean time they fraudulent report about a {$440.00} debt from XXXX. they MCM was asked to show us proof of debt. the web site information show zero evidence of debt. its too easy to pretend letter was sent and not send letter. I told them to certify letter, to fax to email and they refuse to comply to my simple demand. Bottom line is I paid my debt. XXXX billed me for magazines I never ordered. XXXX was notified yet they billed and punished added interest all up to {$440.00} of extortion, which I thought was illegal. I thought it was being criminally bullied. Please help me survive this insane attack. 

Unrelated case this same con artist company tried the same thing with a debit of {$310.00} from XXXX XXXX. after years of false reporting they stopped reporting. they continued to still collect on debts in XXXX XXXX what debt? I want this issue dealt with. I want a separate apology for this unscrupulous business practice. Also a penalty fee of the same {$310.00} MCM was trying to steal from my family # CROOKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX is when I first tried to purchase a house when I was told by a loan officer that I had fraud alerts on my account. I had no idea what that was and stopped trying to buy a home. I later checked online and seen I was part of a security breech with Equifax and entered my information for a settlement and never heard back. Fast forward to XXXX I tried my luck again to purchase a home for my family and I could not obtain my free annual credit report. None of my security answers were correct and I could not speak to anyone. I mailed in my picture Id, social security card, proof of residence, and a letter to prove my real identity. I asked that if I could please access my Equifax, check for errors, and also remove at least 2 accounts I had paid at the time ( now 3 ). I sent receipts and contact information of the paid creditors I needed removed in the process. All these years I could only go by XXXX XXXX and free sites because I had no other way to see the activity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 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 SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX  XXXX XXXX  XXXX EXPERIAN ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!

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 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I purchased Tickets XX/XX/XXXX of 2020. Due to COVID-19 the vendor postponed the event. 
In XXXX I received an email from both my emails : XXXX and XXXX. The emails mentioned that the event was canceled therefore, the refund will be expected within 30 days. once XXXX came and i did not see a refund i contacted XXXX, However they said they refunded me on my old debit card and i would need to contact my bank. I mentioned that since XXXX i lost my old debit card which is why i did not see a refund, they still said i need to contact my bank. 

I contacted my bank ( Bank of America ) and the bank said they would open a claim and resolve my claim as unclaimed due to the fact there was no refund in my account. 

I contacted XXXX this week and said i still have received my refund and that they bank resolved my claim as unclaimed which means i never received anything. The customer service was very rude and unhelpful. Customer service kept sending me back and fourth for information between Bank of America and them. They also mentioned that a third party received my refund in New York and i do not live in New York nor did i use my card in New York to purchase these tickets in XX/XX/2020. 

Bank of America directed me to CFPB due to it being past 78 days of the ticket purchase and suggested i would have better assistance to get to the bottom of this matter.

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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have had chime for 8 months I been getting direct deposits all this time then on XX/XX/20 my account was closed soon as I got paid XXXX I was in negative XXXX dollars they took my whole check I called chime they told me my account was not in compliance with there policy they wanted a explanation to ATM withdrawal I explained to them they told me to show proof of address picture of my social security card pay stubs i also took a picture with me holding my ID they got all these documents and told me I could not get my money they took all my money I sent them these documents more then once chime keep saying I'm not eligible for a refund I don't understand why when i sent them everything I been broke this whole time since this issue happened I have XXXX kids i been backed up on my bills my rent was due on this day when I got paid and they took all I had I'm a single parent all I want is what's owed to me the money I worked for I have been waiting all this time for my money I couldn't buy my kids no gifts because they closed my account soon as I got paid I will appreciate if you could help me get my hard working money back thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have mortgage with Mr Cooper for the last 15 or more years. 
Because of financial I was bagging and asking to refinance only the mortgage for lower interest rate so it will help me financially. 
I keep getting denied for nonsense reason if I can afford to pay for the interest rate what I have now Im capable to pay for Lower interest rate but they are not helpful and they arent trying to help me out instead they are trying to push me going bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( TRANSUNION XXXX XXXX  XXXX XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!

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 2021-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX , EQUIFAX , XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: AL

Complaint narrative:
Approximately XX/XX/XXXX, Foundation Finance Company called my home about my XXXX monthly {$50.00} payment. I have paid them each month on time and sometimes more than my $ 50 monthly. But we are having a COVID-19 issue in our household and informed them that I would be late this month. I will pay my bill on XX/XX/XXXX. I was sent a late payment warning of {$100.00} if not paid by the XX/XX/XXXX. This is accessive ; ridiculous when the whole country of consumers ' are facing job loss ; late fees with the creditor, debt collectors, and more. There is no need to telephonic harass the consumer when all of us are trying to take care of our needs and families with the conditions of our finances due to this COVID-19 issue. All late fees need to be waived and some type of compassionate understand between debtor and creditor during this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation