vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: IL

Complaint narrative:
This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
This is a VA Loan XXXX XXXX is a Veteran. We talked to BSI Financial Servicing around XXXX, 2019 and several several several years several times prior and asked if we could speak to the department that handles Modifications they said they do not do Modifications. We wanted to do a Modification of the VA Loan from 6 % to the current market rate 4 % or what ever is was at that time. We did not want to change any of the terms other than the interest rate as we have only 6 to 8 years to pay this loan off. They said they only do refinances for a 30 or 15 year loan. We were struggling at that time as the XXXX XXXX XXXX XXXX was taking a down turn in which we work. 

Our prior professions were in the XXXX XXXX XXXX I worked in this profession for over 36 years XXXX XXXX, XXXX XXXX, whether it was a XXXX, XXXX, XXXX or XXXX. I have closed more properties that you can imagine.

Now we are really struggling due to the Cornavirus Pandemic and the XXXX XXXX XXXX is the worst it has ever been, gas stations are selling gas where we live at {$120.00} per gallon. We have been calling the for the past few months and leaving detailed messages the recording says they will call you back in one business day. They have never called us back and the recording will hang up on you. They also messed up our escrow account last year and this year they increased our monthly {$300.00} that is crazy they said they were sorry, they have also messed it up in the past several times. We have worked hard to get this house paid off not to increase the mortgage. We asked them how is the owner of the loan and the phone number, address and could not get a answer from the. The prior servicing co. was XXXX  XXXX XXXX we never had any problems they are one of the best banks and lending companies. We are not going to go on their web sites as the are just a bill collector wanting more information. BSI Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX they need to get it together and been more professional. We need help from you on getting them straight and doing our Modification or the Owner of the loan. I used to XXXX XXXX XXXX XXXX for lenders and work with the client to sign and record it of record. It only take a few minutes to XXXX XXXX XXXX. Please help us we want them to do the right thing or lead us in the right direction. We wish they would respond as follows : Thank you for your sacrifice, your bravery, and the example you set for us all. In short, thank you for your service! To all those who have served, and those who continue to serve. Kindest regards XXXX & XXXX XXXX - XXXX. VA rates are about 3.500 % now. We are not in this for them to make more money from us but to lower the VA rate and pay this loan off. Its secured by a VA Certificate of Eligibility.  We need your help. XXXX & XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXXXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I discovered a collection account on my credit report and decided to call to figured out what is for. 
The name of the collection agency is Southwest Credit Systems, they informed me is a collection for a XXXX bill from XXXX and they started to collect on late XXXX, I informed them that I never received an initial collection letter or call, then we realized the address on file was wrong, the apartment number was incorrect and that is the reason I never got a letter, I explained to the supervisor that I never had the opportunity to pay this bill or dispute it before it poped on my credit, I offered to pay the bill just if they agreed to delete the collection account from my credit report but they denied even when they know the address was wrong and I was never given the chance to pay or dispute the bill. I requested to dispute this bill since I don't even know what it is for but they refused to process my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
I am a victim of identity theft. I have provided Experian Credit Reporting Agency with doucumets to support my claim. I have Submitted documents that included a copy of my Government issued Drivers License, Police Report, FTC Report and letter requesting for Fraudulent accounts to be suppressed from my credit profile. Spoke with an Experian Agent on XX/XX/20 and was informed that all documents has been received. My request was to Block all reported Fraud accounts within 5 business days as required by the Fair Credit Reporting Act ( FCRA ). As of today the following Fraudulent Accounts are still reporting in my credit profile. 

Fraud Accounts 1. XXXXXXXX XXXXXXXX 2.XXXX XXXX 3.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 explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My house was a robo signed mortgage, among other things that wasn't legit. Fraud. I  keep going back a forth with wells forgo. about this loan. they just telling me they haven't got to the bottom of this yet. they send me paperwork of some documents, but it don't say anything about them making up fraudulent docs beforehand to make it legit, because I still have my originals and other docs. They still haven't told me anything concerning the fraud. Only thing is we looking into it. Known the other company don't want to here nothing. They just want that money. They told me that they don't got nothing to do with that. Just sir your loan was transferred. How you gon na make the payments. that bank or lender is XXXX XXXX XXXX XXXX. Thats right wells forgo said. I can keep my bank account I believe til the end of the year, before they start charting me. looks like its fighting time in court.

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 2020-04-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
XXXX XXXX XXXX {$3800.00} Paid, closed 47 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance Loan Amount {$3800.00} {$1700.00} Payment Info Status Charge-off Updated on XX/XX/XXXX Past due amount {$3800.00} Original loan amount {$1700.00} Monthly payment - Late payments XXXX  XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N XXXX N N N N N N N N N N N XXXX N N N N N N N N N N N N XXXX  N N N N N N N N N N N N XXXX 30 60 90 120 N N N N N N N N 120+ Days Late 30 Days Late 60 Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 26 Months  Company sold - Original creditor - Comments Affected by natural disaster Your statements - Contact XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to XXXX. To THIS DAY, the card company, Transunion, and XXXX  will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE

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 2020-04-28 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: LA

Complaint narrative:
Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to zero. To THIS DAY, the card company, XXXX, and Equifax will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS Servicing has XXXX on their staff who are tricking customers into revealing information and prying into the personal business of consumers and then assigning relationship managers who are overriding company communications such as covid deferrals to say they are foreclosing. The automated system states the deferral was approved whereas they are sending foreclosure letters and XXXX  dealing XXXX are destroying the American dream when people need time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: IL

Complaint narrative:
This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX-XXXX  Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date Opened0XX/XX/XXXX StatusAccount charged off. {$1800.00} written off. {$3800.00} past due as of XXXX XXXX. 
Status Updated0XX/XX/XXXX Balance {$3800.00} Balance Updated0XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1700.00} Highest Balance {$0.00} Terms26 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/XXXX around XXXX my account was hacked. the person took {$500.00} total dollars out my account. It was two separate transactions at XXXX XXXX  and XXXX XXXX  of {$250.00} dollars. which made up the total of {$500.00}. On XX/XX/XXXX around XXXX XXXX  after failed attempts to calling and chat via app ( which the app does not offer the live chat which is stated on there website. ) I reached out via email. I left several emails asking for help. I didn't receive a respond until Monday XX/XX/XXXX at XXXX XXXX. Stating after their investigation they decided to closed my account. and will send the remaining balance to my closed bank account that was attached on file. they never not once responded back about my missing funds but went ahead and closed my account. this account had all my bills and deposits from my job hitting the account. i had to scramble to find a bank to set up a direct deposit so i can reroute my money. but still no justice were served.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My credit report includes this account that does not belong to me

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: FL

Complaint narrative:
I do not have a contract with this company. I requested a debt validation on XX/XX/2020 and the company provided me with some Bill. I did not receive any type of mail before my credit report was tarnished! Thats against my rights! As I look over the bill, ( no contract between the company and myself ) I also noticed that this company added a collection fee of {$390.00}. I have NEVER heard of a company being within legal rights to change a fee to another amount just to add their fee to it!! I was violated in many ways by this company and Im embarrassed that I have to submit such a complaint on my behalf. According to the FCRA, I was supposed to receive proper paperwork in the mail first to give me a chance to figure things out. I was never sent anything because I do not have a contract with this company! This company has failed me and stripped me of that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
My mortgage company is charging outrages fees for default related costs in the amount of {$220.00} for home inspections more than one a month. Which is outrageous and not needed. I need these costs refunded. The average costs for these drive by home inspections is {$10.00} to XXXX dollars. There is no need to have a {$220.00} dollar charge on my mortgage for this. These inspections that they did were also discharged in my bankruptcy several years ago. This is unfair and unjust. I called the company and they stated they were not removing the fees. They stated they were just fees even though they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I contacted Mr. Cooper, my ( XXXX XXXX ) loan servicer on XXXX XXXX 2020 at about XXXX XXXX. First speaking with XXXX. He told me he could help with anything related to Mr. Cooper, and my loan. I detailed to him that I was looking for assistance to modify or do forbearance on my loan such that I could defer payments for 3-6 months and place those payments on the back end of my loan. Once I explained what I was trying to do, he then stated that was another department. I was then transferred to XXXX, at about XXXX XXXX, and when I again explained what I was seeking to do was told I would need to be transferred once again to another department About XXXX XXXX  I was transferred to XXXX. After again verifying all my previous information again ( already verified twice ), and explained what I was looking for, she stated that Mr. Cooper was ONLY doing deferred payments for 3 months, then a Balloon Payment for the entire amount would be due. I explained to her that that is NOT what the CARES Act, passed by the US Congress stated, nor what multiple news stories have relayed to the public, that deferring payments for 3-6 months, and putting them on the back on my loan was what I was looking for. She then SPECIFICALLY stated that ( Summarized ) The Investors of Mr. Cooper had met, and they decided to deny that option, electing ONLY for a Balloon type payment arrangement. Deferring payments and putting those payments on the end of the loan was NOT an option available through Mr. Cooper. 
I will offer the two links below as to why Mr. Cooper is in clear VIOLATION of multiple laws and should be heavily fined and face jail time for its executives. 

XXXX : XXXX Wont Require Lump-Sum Forbearance Repayments. 
XXXX : XXXX XXXX  XXXX XXXX : XXXX Announces No Lump Sump Required After Forbearance. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Received letter, dated XXXX XX/XX/2020, from Nationstar Mortgage LLC stating that interest rates would be sent to my email address, XXXX. I never received these interest rates by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Me and husband have been charged for bankruptcy every month. We have never ever claimed bankruptcy we have no debts and we are also being charged for late charges every month when our is on time. This has been an on going problem for over two years now

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
The bank changed the configuration of the account, resulting that I was unable to process online payments to de overdraft account. The bank without any advice closed my account during crisis times on pandemic of COVID-19. They are a bad credit union.

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SACOR FINANCIAL, INC
State: CA

Complaint narrative:
I have been paying on a court judgement that was turned over to collections. I pay every month, without receiving a statement or remaining balance owed. Emails, letters or calls get no response

Company response to consumer: Closed with explanation