vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
ON XX/XX/2021 Midland Credit Management add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and i am no longer responsible for this account, Debtors creditors did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Midlands Credit Management has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
Received a debt collection letter from this company. Followed the instructions to get online and make a payment to settle the debt. They listed a payoff amount lower than the supposed debt owed and I paid that amount. Then the balance said I still owed. I have been unable to contact anyone at any hour on any day of the week to get assistance with my supposed debt. This company is a scam and has taken money from me. I want my money back and for this company to be flagged as a Scam!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WALLICK AND VOLK, INC
State: TX

Complaint narrative:
I started my communication with XXXX XXXX with Wallick and Volk at XXXX XXXX Texas on XX/XX/2019, after a phone call and a few emails I decided to apply using their web site so they can review my application and at some point I was hopping to ear back from her or their team with some response or any news event if they were bad news. Well to this point I haven't hear from them, I went back to their web site and can not log in. I am so worry because I uploaded ( more that a year ago ) my financial and personal info and never hear o get an email from this company again. I not so sure if my personal info has been protected as prescribed by the law. The worse customer service I ever had, but just want to post this review to alert others individuals if you want to use this Wallick & Volk companyTHINK TWICE..!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
During XXXX - XX/XX/2020 I was dealing with multiple COVID19 related family issues. During this time one of my electronic payments did not go through to my HELOC account that I have with Huntington National Bank. I am certain it was an error on their system but they keep telling me there is no evidence of it. They also keep saying I do not qualify for COVID19 related issues and that time period has passed. 

At the time I was unware that the payment did not go through. I did not find out there was a missed payment till I went to go back and pay next months payment. This missed payment went on my credit report without my knowledge. I have called Huntington to ask for them to remove it given the circumstances of COVID19 pandemic and their system error however they keep refusing. I worked over a decade for a good credit score and never had a missed payment. I now make 2 payments a month of the Huntington Account so they cant XXXX me over again. 

My original loan during that time was in forbearance to help me make sure I can make other payments for necessities specifically related to COVID19. On my mortgage I took out 6 month delayed payment plan because of this. I did not take out a delayed plan for a HELOC I have had with HUNTINGTON NATIONAL BANK because I thought I would be able to pay and keep track of those payments. I have and continue to make payments but keep getting denied any possible resolution from service agents for the Credit related miss payment. I have sent letters of goowill and get sent phone numbers to go right back to service agents who say " You're issue does not qualify for COVID19 resolutions '' or " You'll have to send a letter to XYZ address ''. I also get told to take it up with the Credit agencies because theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
My account was hacked from coinbase 's end, and they were able to get into all of my information, including my emails. Drain my bank of {$18000.00} and purchase etherium. Every confirmation email was deleted before my eyes!! I would open it, and it would vanish. They tried to send it to another account, but I was able to lock it before they could. I was also successful in stopping the payment from my bank so I wouldn't be out that money and unable to pay my mortgage. I had taken the extra security steps THEY recommended, and it wasn't enough. 

They allowed the cryptocurrency the hackers purchased to be sent to another account before the money it even left my bank account and the purchase was finalized and now they are claiming they need to get the money back from me. They have my account locked, and I can not get in to see what's going on. 

Also the cryptocurrency that I DID buy was just unaccounted for. It shows the transaction from when I purchased it, but my wallet for that currency is empty. 

I looked into this and it looks like they were breached by XXXX, this happened to MULTIPLE people on the exact date ( XX/XX/XXXX ) and they did the same thing to them. They did a major update afterwards and several people are STILL locked out. Even accounts with third party authentication security were hacked. 

They sent me an email claiming no responsibility ... and then sent another saying they would look into it, and are now completely unresponsive. They have just left me locked out of my account with no information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DC

Complaint narrative:
THE COMPANY SAID THEY HAD COMPLIED BUT HAS NOT. THE COMPANY IS REPORTING DAMGING INFORMATION ON MY CONSUMER REPORT THAT IS CAUSE SCRUTINY UNJUSTLY AND DAMAGING MY REPUTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Hello, we had a house fire on XX/XX/2021. We have a forced place insurance policy that we were advised covered the structure of the home. We were forced to secure the property on our home and the insurance adjustor did call us back until the following week. When we asked the reason for the delayed response we were told that he had an emergency and went out of town, like our house was not a priority even though we almost died escaping the blaze and had not just lost our family pet. 

When the claim was filed we discovered that the insurance policy covered XXXX of damages while the insurance adjustor recorded approximately XXXX worth of damages. We notified the insurance company of the discrepancy and that the amount of insurance coverage did not cover the lenders interest in the home and and they escalated the file due to the obvious discrepancy in the policy and policy limits. 

Today we were informed that the lender would not increase insurance coverage and that basically we were on our own. We have no where else to go. We have no HVAC, our electricity has not been repaired and is still a potential fire hazard, the home needs a repipe and there is a potential for a gas leak. We can not afford to pay the mortgage and restore the house to what it was before the fire. 

I feel like the lender is attempting to squeeze us out of the home since our mortgage is low and the property values in the area have skyrocketed. We don't want to lose our home but feel like we have few options since the lender has railroaded us and keeps us in the dark and giving us the runaround regarding their expectations for getting the home back up to code.

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 2021-05-11 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Contacted Barclays XXXX for a billing dispute. Open the dispute on XX/XX/2021. Received response to the dispute via mail on XX/XX/2021 but CC company letter is dated XX/XX/2021. Replied to CC company via fax and mail on XX/XX/2021. CC company has NOT replied back and closed the case.

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 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC
State: DC

Complaint narrative:
I joined a matchmaker site called XXXX XXXX XXXX could no longer pay them and the services did not match what they promised. They turned it over to a collection Agency recently. I have never ever received any communication from the collection Agency which is Omega RMS I emailed the company asking to send me a collection notice 3 times and got no answer to date. I need it in order to turn into my debt consolidation company.How is that you owe a debt and ever receive a collection letter makes no sense the only way I discovered it is because it popped on my credit report without notice.2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
this company is reporting inaccurate and unverifiable information on my credit report. They are also in violation of the HIPAA by claiming to have information about any hospital records they they are not allowed to obtain. They are violating my FCRA and the FDCPA because they need certain records to be able to place a collection on someones credit report. They must be able to present a verified address verification items such as full ssn proof of the collection ownership a contract that is sign with my signature as proof of this bill also they must show what was this bill for in order to do that they would need access to records that they are not allowed to access by law so they must remove this XXXX from the other 2 credit reports immediately it was proven to be unverified by XXXX  and yet they still have it showing on my XXXX and equifax accounts i want this removed immediately or i want to see all proof of this collection and if I do not recieve a response in the proper timing you could be fined XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: ProCollect, Inc.
State: TX

Complaint narrative:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX of XXXX, I entered into a mortgage forbearance agreement with Suntrust Mortgage company as a result of the pandemic. This forbearance was in-line with federal guidelines allowing those impacted by the pandemic to postpone mortgage payments until such a time that they could resume making those payments. 

Once I was confident in my ability to resume payments in XXXX of XXXX, I began making my mortgage payments again. At that point, 10 months of mortgage payments ( including escrow for property taxes and property insurance ) had been forbeared, totaling approximately {$32000.00} based on my monthly mortgage payment of {$3200.00}. Some dollar values had shifted slightly due to an escrow analysis that was performed, but the escrow amounts hadn't changed materially. On XX/XX/XXXX, I made my first mortgage payment in 10 months of {$3200.00}. 

In XXXX, we spoke with a mortgage broker regarding refinancing our home out of forbearance. They were able to do it, but we needed to bring our mortgage current. So on XX/XX/XXXX, we made payments totaling {$35000.00} to bring the mortgage account current through XXXX. 

Unfortunately, Suntrust has not been able to apply those payments to our account properly. I have spent countess hours on the phone with them reviewing the issue with multiple people, and have been told on multiple occasions that it will be taken care of. It is impeding my ability to refinance my home, and I do not have any idea how to make my loan current. My online account currently shows an incorrect principal balance, and thousands of dollars in " unapplied funds ''. Loan payoff letters I have requested show a principal balance of over {$450000.00} and payments only current through XXXX - the principal balance remaining, with my payments made, should be {$410000.00}, and the loan should be reflecting as current through XXXX. 

Suntrust is essentially holding my money hostage, and I believe their motivation is to not allow me to refinance into more favorable mortgage terms. My ability to refinance my mortgage is being placed in jeopardy due to their inability to take action on a simple matter, where I have 100 % fulfilled my duty to them. 

I am hoping for assistance regarding this, but will have to seek out legal counsel to pursue the matter if this goes on any further.

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 2021-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was a customer of Simple bank. We were supposed to transition to Simple 's parent BBVA on XX/XX/XXXX. BBVA was supposed to transition all Simple customers to its online and mobile platform, however the transition has been a failure. I was not able to gain online or mobile access to my account on XXXX and as of XX/XX/10 still have not been able to access my account. This is shared account that my wife and I own with a balance of around $ XXXX including checkings and savings ( I can't confirm the exact balance because I can't access my account ). I've been trying to reach BBVA 's customer help line since XX/XX/XXXX however, however I've been unsuccessful at getting help. When I call I get placed on hold and after waiting for 30 to 40 minutes, my call is dropped. BBVA has not emailed me regarding the issues its encountering with the transition, I've had to check their twitter account to stay up to date. My wife and I are in the middle of purchasing a home and require real-time access to our bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: HI

Complaint narrative:
Loan Servicer : Cardinal Financial Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX NMLS ID XXXX Contact XXXX XXXX XXXX Contact NMLS ID XXXX Contact Email XXXX Phone XXXX I was attempting to do a refinance with Cardinal Financial. Rate lock was for 2.75 % 30 year fixed for a refi Owners : XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX After many months attempting to close this loan, Cardinal Financial would not honor the original estimate/ rates & terms given to me. They said they would, but a " computer glitch '' was preventing them from doing so. I changed the refinance to a different Servicer who was able to honor the rate/terms in original estimate. XXXX was very difficult to communicate with during the process of the loan. She was always available prior to locking in on the rate. I would never use Cardinal Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
The debt with Specialized Loan Servicing ( SLS ) was discharge in a bankruptcy XX/XX/2011. There has been not contact with SLS in more than ten years. SLS has refused to release the lien unless the original discharged debt amount plus interest calculated since the time of discharge. Pease see attachments for details an additional information.

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 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Nationwide Recovery Systems, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and in collection. XXXX XXXX XXXX XXXX, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts. Nationwide Recovery Systems is the 3rd collection agency that has attempted to collect the debt, and they to had a different amount. This is associated with CFPB ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent letters requesting my information be updated to XXXX, Equifax, and XXXX. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time.

Company response to consumer: Closed with explanation