vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
UPON PULLING CREDIT ON XX/XX/XXXX, I FOUND THAT THERE ARE SEVERAL COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEAL WHERE THEY CAM FROM. I HAVE NOT RECEIVED ANY NOTICES FROM THESE COMPANIES THAT APPEAT ON MY CREDIT PROFILE. I FEEL AS THOUGTH IN XXXX & XXXX, WHILE I WAS OUT OF THE COUNTRY THAT MY CREDIT & IDENTITY WAS COMPROMISED. 
THESE ACCOUNTS ARE AS FOLLOWS : XXXX XXXX/ XXXX  ( XXXX , GA ) XXXX XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX ( XXXX XXXX , NJ )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I filed bankruptcy in 2016 which included a wave runner threw synchrony bank. My attorney advised me they would not repossess the wave runner if i kept my payment current this was again told to me by synchrony bank threw multiple phone calls with there bankruptcy dept. Shortly after a repo man came and wanted to repossess the wave runner. Even thow my payment was not late. Shockingly i called them and they advised this was in error and would be fixed. I asked for confirmation letter or a email too support this and was told it was too be provided and if i kept payment current i would gain ownership of the waverunner. No such notification was given and multiple people said different things no one could figure out what too do. 4 years later a repo man comes and says he has come for the waverunner and the police were coming to arrest me for theft!. I am shocked by this and tell the guy it sat here 4 years! And that i had tried to correct the issue and that the bank abandoned the waverunner for 4 years!. As the waverunner was kept in storage the repo agent was upset and demanded i take him too it which its out of XXXX county to which i live i declined i felt he was lying about the police and allowed him to ramble and said we can wait for the police to arrive or you can leave my property. My security camera system recorded the encounter. He got in his tow truck as he said he would find my storage and he kept bolt cutters just for that reason and drove down the road and sat for awhile and then left my neiborhood.

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I dont recall opening an account in XX/XX/2020, not sure why I am seeing a debt for over {$700.00}. I would like to see documents proving that I signed up for this phone plane.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I refinanced my mortgage that I had with Select Portfolio Servicing in XX/XX/2020 with another lender. The account was paid off in full on XX/XX/2020. Select Portfolio Servicing owes me a check for the remainder of my escrow account in the amount of {$1700.00} which as of XX/XX/2020 I have not received. 
I have called them three times ; once in XXXX and again on XX/XX/XXXX. I was told on both occasions that the check had been mailed. 
The last date they said the check was mailed was XX/XX/2020. It is now XX/XX/XXXX and I have not received my check. 
I called XX/XX/XXXX and have not received a satisfactory response. 
I would like to file a formal complaint against Select Portfolio Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have disputed the charges many times with Navy Federal, I dont own the debt and Ive never authorized anyone to obtain any debt in my name ... Ive called the police and made a report, I let them know that I believe one of my tenants used my information to attain credit and other things ... I dont have proof but he is currently incarcerated for some type of fraud.. the amount thats on my credit report is {$24000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
There are unresolved errors on my credit reports as reported by MOHELA. I have only one student loan that was handled by MOHELA. MOHELAs inattention to my written requests has created a duplication on my credit reports. I have disputed said duplication with XXXX, one of the three major credit reporting agencies. I have also requested that MOHELA remove this negative reporting via a letter sent certified mail and received by Mohela on XX/XX/2020. 

I have given up on trying to convince MOHELA that they should respond to my letters so I have filed a lawsuit against MOHELA which they have yet to respond to formally. I have sent the lawsuit to their certified mailing address in my state and to their attorney XXXX XXXX. The error I am trying to have fixed still shows up on my XXXX  and on my XXXX XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CFPB, please do NOT close this case just because Citi says it was resolved. It has NOT been resolved. 

This is about my now closed account XXXX. 

XXXX tells me that they have refunded five of my XXXX payments ( including one divided into a XXXX payment and a XXXX payment ), but my Citi statement only shows that four of these have been credited back to me. Which of the following refunded amounts that XXXX alleges does Citi recognize? 

***IMPORTANT *** Be sure to identify these refunds by the Recon ID # s that XXXX uses so the missing one can be identified *** Please tell me which of these refunds from XXXX Citi credited to my credit card XXXX : ( 1 ) {$1.00} Recon ID # XXXX ( 2 ) {$38.00} Recon ID # XXXX ( 3 ) {$39.00} Recon ID # XXXX ( 4 ) {$39.00} Recon ID # XXXX ( 5 ) {$39.00} Recon ID # XXXX ( 6 ) {$39.00} Recon ID # XXXX ***IMPORTANT *** Be sure to identify these refunds by the Recon ID # s that XXXX uses so the missing one can be identified *** Also I did NOT ask Citi to refund my XXXX payment to XXXX XXXX I will pay that. I just asked Citi to look into whether that was an accurate amount. And, cancel that dispute. 

And, please send me a pdf of my final XXXX bill for the last fraction of a month before it was cancelled. 

Again, ***IMPORTANT *** Be sure to identify these refunds by the Recon ID # s that XXXX uses so the missing one can be identified ***

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 2020-11-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am having problems with XXXX XXXX XXXX not reporting payments to credit bureau. I have been using my XXXX XXXX Credit Card each month and I also make all of my payments on time. My account is listed as being dormant with no activity reported. Because my account is reported as a dormant account its now a high risk level account which caused my credit score to be significantly decreased. I called XXXX XXXX and the Credit Bureaus and I havent been able to get any help. I will like this inaccurate information to be removed from my credit file ASPA and my credit report be updated.

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 2020-11-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} US XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-09 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:
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} US XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a XXXX XXXX credit card that went to collections and it was purchased by Midland Funding LLC. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office XXXX XXXX XXXX XXXX XXXX who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to Midland Funding LLC. I attempt deal with the XXXX XXXX XXXX XXXX XXXX XXXX and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. 
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and child custody battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained custody of my children and as their father struggled with serious addiction issues that jeopardized the children safety. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full custody of my children and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as XXXX high risk group so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. 
As I explained, due to a financial hardship I can not afford to pay the balance on the account. Midland Credit Management has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting Midland Credit Management to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
My car was paid off in XX/XX/XXXX, but the lien never released. I didnt know the lien had not been released until XX/XX/XXXX when I attempted to get another title. I had to pay for a lien release letter but the SC DMV would not accept as it was not the original lender. In XXXX I was told that I would receive a notarized one in the same letter with 15 days, I have. Or received this letter. On XX/XX/XXXX or XXXX, I was told a supervisor would email or call me to confirm this notarized letter had been sent, as if XX/XX/XXXX I have yet to hear from a supervisor or receive the notarized letter from Santander Consumer Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
You guys keep closing this complaint without holding this company accountable, and I will keep making the complaints until they are held accountable. 

Shellpoint has given 5 different stories as to why the mortgage shows past due. Each and every time I have provided proof that payment was made and received by them. They have now sent me a letter that I am {$3000.00} behind on my mortgage. How could that be when I have proof of payment for the past 2 years? Submit every single piece of proof they have asked for? How come Shellpoint refuses to adjust the value of home when it has already been done by the XXXX County Assessor? I was advised that my mortgage payment should actually be LOWER than what I am paying. Not one person within this company can explain to me why the payments are not being processed. HOLD THIS COMPANY ACCOUNTABLE FOR THEIR PREDATORY LENDING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally, it was reported that I had two 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally, there were a 30, 60, 90 day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposedly late payment and is further damaging my credit report. Please delete immediately.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Shellpoint Mortgage Servicing for 3  years. 

Back in XX/XX/2020 ( early pandemic stage ) Shellpoint ( in charge of managing my primary home mortgage ) reached out offering several alternatives for customers experiencing economic hardship. At the time, and being a small business owner, I decided to accept on one of their offer programs and enter a 3  month forbearance program Come XXXX, 2020 I contacted Shellpoint once again, and a customer service rep offer and suggested to extend for another month. Came XXXX, and things changed. After submitting a significant amount of documents and financial statements I was told I didn't qualify for any other programs and was instructed to bring the account current. Suddenly a " new program '' appeared and I " qualify '' for some sort of loan modification. I had to declined such offer since that prevents the ability to refinance the property for a 2 year period. 

To my surprise ( and after having a pre-approval from a conventional bank ) Shellpoint had reported my account as LATE to all credit bureaus, preventing a refinance to be completed. I rushed to reach out to Shellpoint and interesting enough one of their representative acknowledge a THIRD PARTY PROVIDER had made an error and several thousands of their clients had incorrect reporting on their credit history. 

3 weeks have passed, and so far no action has been taken from their part, preventing my ability to complete the refinance process. 

I have instructed my ability to bring the account current ( principal, interest and escrow ) immediately, as LONG they clear this out. 

Thank you very much for your time, but at this point I can't afford to put at risk my home, my family and any sort of legal matter this could bring along if no action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I sent early warning systems a letter which quoted the by-laws of the fair credit reporting act.. ( 611, 613 etc ) they did not investigate my file. Instead, they sent my a copy of my report. In my letter, which was sent by certified mail ... included my driver 's license, and social security card, Properly identifying my self. I also ask them to properly verify my account with signed contracts, signatures ... etc ... but not the use of the last 4 digits of my social security number. They did not do anything!

Company response to consumer: Closed with explanation