vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
When COVID - started in XX/XX/XXXX, I contacted my mortgage company SPS Portfolio Services to ask for COVID mortgage assistance. They sent me letters and allowed me to skip my mortgage payments. 
In XX/XX/XXXX I asked the mortgage company to help me with a modification, so I could start making payments and they offered me a few more months of forbearance until XX/XX/XXXX. 
I started an application process for the modification in XX/XX/XXXX and I was waiting for the paperwork to go through so I would would know how much my payments are now. 
They told me the payments would be added to my balance at the end of the loan. I talked at least 15 different people who confirmed this. I have the names documented. 
Now, they have told me that the modification is denied and I have to pay the past due amount of $ XXXX which I do not have. I dont understand since I am a XXXX  and XXXX XXXX XXXX. I believe they are taking advantage because I am XXXX. I have been able to pay my payments of {$1600.00} per month which were my payments before forbearance but I have not paid them since I do not have anything in writing. Please help me get this resolved so I dont lose my home which has alot of equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT Reporting Utilization is illegal. XXXX account XXXX XXXX open date XXXX ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX Civil liability Delete from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Loan # XXXX After suffering a job loss and a reduction in salary, my wife and I filed for a forbearance from XX/XX/XXXX to XXXX of 2020 ( due to Covid ). In XXXX we started making trial payments in a modification program. I was told there would be XXXX  monthly payments, then the modification processed. We made those XXXX payment in full, and on time. after a series of delays, with no reason, we got paperwork in XXXX. We waited for months. Continued to make payments as directed. In XXXX, due to a 'mistake ' we were told it was denied and had to start over. After a series of escalations it was 'prioritized '. In XXXX, a year later, they finally processed the modification. However they immediately reported me as being a month behind, and reported me to the credit agencies, dropping my score over a 150 points. After more escalations, they confirmed they had misapplied a payment, and 'fixed ' this. They claimed they would fix this with the credit agencies. Weeks later, my credit is still XXXX points lower, and they continue to 'confirm ' when I dispute the data with the credit agencies, despite me making every payment. 

I have escalated numerous times to SunTrust executives and the CFPB. This got me a contact with a 'client resolution specialist, XXXX XXXX ' who no longer returns my phone calls or emails. I just want them to report on my credit accurately, or remove entirely if they can't fix it. This is costing me thousands in increased interest and other financers increasing my interest or reducing credit based on SunTrust 's errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
XX/XX/2021- Received a promotional card offering {$150.00} bonus to open an account with Arvest Bank. My dad has an account at Arvest, and I thought this new account would make our monthly business easier. The one internal recurring ACH to my dad 's account will cover the bonus account activity requirements for the promotion, it said. I opened the account, and set about using Arvest 's online banking feature to setup the recurring ACH 's from my local bank account to my new Arvest account, and also the subsequent transfer to dad. I tried to be mindful of the transaction dates, knowing that my local bank 's system still relies on paper instructions to a certain extent. 

Late XXXX, 2021 - because the scheduled date of my recurring Arvest transfer fell on an upcoming weekend, I inquired as to when the bank would process it. I was told XX/XX/XXXX, the following Monday. What has happened over the last 39 days can not be documented in this text box. 

XX/XX/2021 - after closing my account and removing all visibility to it ; after a full month of threatening notices, being treated like a criminal, and a refusal from over a dozen Arvest Bank employees to discuss the matter with me, and finally, after almost calling an XXXX  during a XXXX XXXX because of my XXXX  for which I receive XXXX XXXXXXXX payments, Arvest Bank took another {$1200.00} out of my local bank account. And this week, I have watched my account dwindle down because of the automatic payments for utilities, etc. are posting. Yesterday, my balance in the local account was {$3.00}. Today I am over-drawn. I was told yesterday by Arvest that my money would be returned this week. I don't know what else to do. Thank you in advance. 
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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not have permissible permission to access my credit report on XX/XX/XXXX. After 4 years, Experian continues to label my complaints as duplicate or passes the buck by stating " we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. '' This is not true. I have yet to receive the permission for Experian to give 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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to a late payment which is showing on my report in XX/XX/2020. As you are aware that is during the pandemic which was declared by FEMA an the CARES ACT was passed to assist consumers who were struggling. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I explained that I do not owe any debt nor do I have a contract with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABC Credit & Recovery Services Inc.
State: IL

Complaint narrative:
I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent outsourcing is a debt collection agency this agency has called me a year straight two to three times a day using an Alabama number. Posing as different collection agencies. They lied on my credit report that I have a XXXX XXXX account in collection earlier this year. I knew it was a lie because I had XXXX XXXX for almost 5 years now. I reported XXXX XXXX  account about in 2009 that was not mine. Now almost 13 years later convergent outsourcing says I didnt pay XXXX XXXX bill. When I asked for a copy of this so called contract or service with XXXX XXXX they cant produce it. Its a lie convergent outsourcing is lying on consumer credit reports and I have uploaded or will upload a snap shot Here are the numbers they called me from over a 100 times 3XXXX XXXX And as soon as my credit was in the high XXXX score they added a collection account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: TX

Complaint narrative:
I am having a fraud protection problem with my financial institution. I lost my bank card and they will not replace it even after I sent them all the documents required in order to satisfy their fraud requirements. They are XXXX and I am XXXX XXXX, XXXX XXXX # XXXX, SS # XXXX. Their # is XXXX XXXX XXXX and their email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, Which was during the declared disaster by FEMA and congress passing the CARES ACT to assist struggling consumers. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi approved and issued me a new XXXX XXXX XXXX, upon receiving the card, I registered it and was approved for immediate use. My XXXX purchase was denied and so was the XXXX  the XXXX purchases. I contacted Citi Customer Service on XX/XX/2021 and was assured the problem was resolved. The next day, the problem persisted, I call Citi Customer Service again, the representative had no answers and we ended up closing the account. Due to Citi 's incompetence, my credit report were negatively affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Good Day, On XX/XX/2021 I received a credit alert about a collection account that was placed on my report by Spring Oaks Capital , LLC. I have not received ANY information via postal mail, email, or telephone from this company and have never even heard of them. It states the " creditor '' as a company I have never heard of as well. 

I disputed the " collection '' account on my XXXX Credit report and the response was null. When reviewing the " case '' today XX/XX/2021 it stated it was resolved and the account remains on my report with no change. 

Debt collectors are required to provide a debt validation notice at a minimum and once again I have NEVER received anything from Spring Oaks Capital , LLC or even heard the name until a XXXX  ago. I also don't recognize the prior " creditor. '' After reviewing some online posts about Spring Oaks Capital , LLC it seems MANY other people have had this issue as well. They report accounts people have never been notified of having or have ever had. They seem to randomly place collection accounts on the credit reports of some people XXXX years after accounts were written off or disposed via XXXX XXXX according to other horror stories read on forums. Many comments mention Spring Oaks Capital , LLC being a complete scam and sham of a company and I will NOT be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed 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 2021-12-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

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