vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 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: FL

Complaint narrative:
I was initially contacted, rather served with a notice to appear for pretrial conference on XX/XX/2021, served on date of XX/XX/2021, where I was living at the time. I immediately call the company to seek further information and sort this out as this is a surprise to me and originally what appears to be a billing error by card issuer and I was not aware who this company ( Midland Credit Management ) is or was at the time as I never contracted with them, ever. I mailed out a offer to perform upon on the validation of the alleged debt. Sent via certified USPS on XX/XX/2021 in which they received on XXXX XXXX, in which I have yet to receive a response to this date as I am writing this complaint. Fast forward to the pretrial date of XXXX XXXX, I arrived 15-10 minutes earlier, at the time for the pre-trial conference, I enter the court to what was an empty court room, for the bailiff to come out and say that the Judge said that there would be no pre-trial today and I can go home ( needless to say an entire work day wasted ), to wait that I would receive correspondence to appear for trial. a week later, I received a notice to appear on a XXXX meeting for mediation dated for XX/XX/2021. No additional information provided. Fast forward to XX/XX/2021 approximately at XXXXXXXX XXXX I log in to my XXXX app and enter the meeting details and another persons information pops up, I was not allowed into the meeting by XXXX XXXX, and I found it awkward that someone else 's information was on there. I exit out, called the number on the notice and no answer. I left a voicemail but never received a call back. Today, I log into the county records page and see that a mediation report was submitted and states that I was not present for pretrial. I have mailed and requested a full and thorough validation of the alleged debt and Midland Credit Management has not responded to any requests. This is abuse and needles to say these tactics are unconstitutional and seems like the law is on their side and for their favor when the law is to protect us, we, the people. This type of mental manipulation is a violation of my rights and this company needs to respond for their damages they have caused and reprimanded for their unfair practices. I have sent 3 requests to Midland Credit Management and to their collections LAW FIRM XXXX, XXXX, XXXX, XXXX and they have yet to produce any instruments validating the alleged debt, balance, and consumer information. I attached a notarized Affidavit of Truth with my statement and the request to produce mailed on XX/XX/2021 via certified USPS mail. Midland Credit Management and XXXX XXXX collections law firm are in violations of my rights and colorful laws, as well as manipulating the outcome of the situation in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/2020 i sent payoff check from XXXX XXXX XXXX to mr cooper for insurance payoff, my account XXXX with mr cooper XXXX XXXX XXXX XXXX txXXXX after i sent check i received loan invoices i called and said there must be a mistake i sent XXXX payoff check from insurance, and my balance was XXXX they did not get back to me as the rep said he would, when i appied for a loan i found they reported to XXXX XXXX XXXX i missed payments of XX/XX/XXXX, when they said they couldint find a check i asked they open an embesslement case with XXXX rangers XXXX after that suggestion the check was locsated in XXXX, they still refused to accept responcability for there coworkers error, i then reached out to attorney genrel i got a responce dated XX/XX/XXXX and XXXX XXXX pointed me toward your agency XXXX so i ened up just getting a loan at XXXX when i could od got it at XXXX i couldint buy a house to replace my burned down XXXX because after insurance paying off property it didint leave enough to buy a structure, so i had to rent rooms going to XXXX area wherer i visit family regularly and with covid i had to rent a room, this company refused to take responsibility, so they damaged my credit and the loan officer didint want to work with me as he believed i wasint being truthful, i lost time of repairing my house and refiancing ; because they refused to acknoledge there employees mistake of location of check ty XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX from my mortgage servicer : Guild Mortgage that my last forbearance request has been denied. I had mentioned in my correspondence with them I believe their decision is in violation of the federal law. 

XXXX. I requested forbearance in XX/XX/XXXX due to COVID-XXXX circumstances which has been approved by Guild Mortgage , however because my loan has been prepaid back in XXXX on a monthly basis, Guild Mortgage continued to apply my prepaid monthly mortgage payments until XX/XX/XXXX. 

XXXX. In XX/XX/XXXX, Guild Mortgage sent me a forbearance letter and has granted the forbearance until XX/XX/XXXX in total. 

XXXX. In XX/XX/XXXX, I applied for a forbearance extension as I am entitled to XXXX months of forbearance due to initial request date of XX/XX/XXXX, and because I have an FHA loan. 

XXXX. On XX/XX/XXXX, Guild Mortgage refused to extend the forbearance in violation of Federal  Law governing COVID-XXXX related forbearances and FHA loans XXXX 

XXXX. I have contacted HUD certified loan counselor who confirmed that Guild Mortgage acts in violation of Federal Law. In addition, I was advised by HUD certified loan counselor, the mortgage payments paid during the forbearance was supposed to be applied to an escrow account, as per HUD regulations. They weren't. 

XXXX. I asked Guild Mortgage XXXX  to look into my request to extend forbearance to comply with the Federal Law. In case of continuing denial, I advised Guild Mortgage I would be filing a complaint for investigation with the Consumer Financial Protection Bureau which has jurisdiction over COVID-XXXX forbearance compliance with the mortgage lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX has not reported a credit card where I was added as a XXXX XXXX  authorized user. The card ends in number number XXXX and carries a {$2000.00} credit line. I would like them correctly report this to all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello Experian is reporting this account inaccurately. The account has been PAIDS IN FULL and is outdated. Experian is reporting a balance on a charge-off account. I have asked them to correct this inaccurate information and remove this tradeline at once. 



Hello Experian is reporting this account XXXX XXXX inaccurately. The account has been PAIDS IN FULL and is outdated. Experian is reporting a balance on a charge-off account. I have asked them to correct this inaccurate information and remove this tradeline at once.

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 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXX. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX  is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to stress and unlawful use of my consumer 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 2021-11-21 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: GA

Complaint narrative:
on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXXl law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: GA

Complaint narrative:
on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX XXXX XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer 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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
PLEASE BE ADVISED THAT YOUR COLLUSION WITH XXXX XXXX MUST CEASE WE ARE GOING TO FILE CLASS ACTION LITIGATIONS FOR VIOLATING THE XXXX XXXX XXXX AND FCRA 15 U.S.C. sECTION XXXXG YOU HAVE XXXX DAYS TO FORCE XXXX XXXX TO UNBLOCK OUR CREDIT FILES TO ENABLE COMPLETE ACCESS TO OUR SCORE ETC...

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 2021-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I paid this debt {$350.00} for an old XXXX bill however they still have the debt on my credit but change the total to {$340.00}. I am submitting a copy from the debt collector ERC which took over the debt from XXXX. I am asking this to remove this from My credit report as I have already paid. Please see attached copy from my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Card ending in XXXX is not being reported to the credit agencies as promised. I want accurate reporting of this revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Lowes credit card ending XXXX is not being reported to the three major reporting agencies. I would like this reported 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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Important first note : Please note, that since Citibank closed my account, I will not be able to provide all accurate information, since I do not have access to my account. 

I have opened a checking account a few month ago, and wire transferred in 4 occasions a total of about {$23000.00} from my XXXX XXXX  personal and XXXX XXXX business account to Citibank. 
The reason was that I have been traveling and Citibank offered free international wire transfer. 
I was then initiated wire transfers from my Citibank account to a bank account in XXXX, XXXX where I have been traveling. 

Citibank first acknowledged my wire transfer ( s ) but just a few days later they closed my checking account without any notice whatsoever. 

I spent countless hours with customer service, verified my identity both via telephone, security questions, text messages, etc... Absolutely no help, no explanation, whatsoever. 

Several weeks later I received a mail saying that my account is in the process of closing, and at some time, if they find that it is my money, they will maybe send me a check. Again no explanation, or anything. 

This was almost three months ago, and Citibank is still unresponsive, sitting on my money, and I am totally helpless. 

I am a retired person, currently receiving unexpected, serious emergency medical treatment in XXXX, and I can not just let my money sit at Citibank. 

PLEASE HELP. 
Thank you, XXXX XXXX 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 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have attempted several times to reach out to Citi for assistance as I am unemployed due to Covid and I as of XX/XX/2021 had my unemployment end. I have no source of income. I asked Citi if I can have my due date which is today moved to the end of the month and they refused. I asked for smaller payments and they also refused. I have been making on time payments since I opened the was opened. I dont want this to affect my credit but unfortunately due to Citi refusing to work with me during these harsh times because of Covid but they arent willing to help.

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 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
I HAVE A COLLECTION ON MY XXXX XXXX FOR {$1100.00} FROM XXXX. THIS NOT MY DEBT I DONT KNOW WHY THIS IS ON MY CREDIT CAN YOU PLEASE HELP ME AND HAVE IT REMOVED AS SOON AS POSSIBLE, PLEASE HELP, THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX To : The Office of XXXX XXXX for Spring Oaks Capital , LLC From : XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Unknowingly responded to an email, see photo attached. My bank account was hacked, my computer taken over, while I was online on my bank acct. Funds were transferred without my permission through XXXX, which I never opened up or used, to XXXX, and XXXX in the amount of $ XXXX to each. I filed a fraud report with Bank of America, XXXX fraud line, XXXX, FBI and NM State AG immediately. BofA told me it would take XXXX days to investigate. No instructions for follow-up were given.

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 2021-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I was promised {$10.00} if I downloaded the app and started an account and I got the account but still haven't got my {$10.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau
State: IL

Complaint narrative:
Medical Business Bureau XXXX XXXX XXXX XXXX XXXX, IL XXXX To : The XXXX XXXX XXXX XXXX for Medical Business Bureau From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I sent a certified validation letter on XX/XX/2021 to prove that I owe this debt with my signature that I approved this service, medication that was taken, all doctors involved and my medical history. The collection agency did not prove that this debt of {$250.00} was my responsibility. They didn't prove I sign for any service

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