vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Reference Number : XXXX To whom it may concern : This company has a false account that is reporting on my XXXX report as a debt that needs to be removed or i will be contacting my attorney ( Information below ) as i just had a settlement with XXXX for false statements on my credit report rewarding me in {$500.00} for incorrect reporting. 
This is my final request for a actual document proving who this belongs to. My final request, send all proven documents to my North Carolina address listed below. 

I have shown given proof that this account is not mine and has never been mine by this so called credit one. I have a signed statement from 2018 that this XXXX XXXX has never had any relations with myself.

Please remove this account and while this investigation is going on you have 30 days of no reporting in which you never abide by before. That is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A re-investigation dispute was made to Transunion on XX/XX/XXXX and 30 days prior to that the initial dispute that the erroneous information had not been DELETED from my credit report : XXXX XXXX in the amount of {$7200.00} original creditor XXXX XXXX XXXX. The entire account is reported in error and neither Transunion or the original creditor has provided any legal contract proving that this is my account was authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Data Breach Settlement -- I was a victim and chose two or three years of free credit monitoring. 
Yesterday I found out that Experian has been charging my credit card every month for many months. 
I called Experian and they stopped the unauthorized credit charge and would only credit me for the current payment. 
I called my XXXX XXXX and they could only go back three months. 
I want reimbursement for all the months of unauthorized charges against my XXXX XXXX. 
Here are the dates and charges : {$23.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and {$21.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. On XX/XX/XXXX {$1.00}. 
subtotal for XXXX : {$180.00} plus subtotal for XXXX : {$66.00} ; grand total owed to me is {$250.00}.

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 2019-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient 's deceptive practices relating to forbearance and IBR re-certification has directly caused over {$40000.00} to be added to my principle balance. Additionally, Navient has refused to provide any information or viable justification for its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Tracking Number ( MTCN ) XXXX Transaction Date XX/XX/2019 Transfer Amount ; {$2000.00} USD Senders Name XXXX XXXX I paid for a money transfer in cash to be sent to the receiver at XXXX in XXXX. The appropriate account number was provided. XXXX states they never received the transfer. We provided copies of the XXXX bank statements to Western Union to proove that the transfer was never received in to the receivers account. I followed up with Western Union to try to resolve the issue. They did nothing to show proof that the transfer was in fact deposited to the financial institution. I believe fraud has transpired either by Western Union employees or employees of XXXX. Western Union offered a better money exchange rate if the transfer was sent to XXXX and that is the only reason I agreed to send the transfer to that specific bank. Now, Western Union is not providing me a refund for using a third party partner or affiliate. This is a major issue and a substantial loss of funds. The recipient did not receive the money transfer at the bank where Western Union sent the funds. I believe Western Union has been negligent in their third party vendor management due diligence. I believe Western Union owes me a refund for the funds that it transferred and which never received by the receiver. If the fraud was committed by the vendor/affiliate/partner bank that received the funds from Western Union, this does not absolve Western Union of its responsibility.  They are responsible for the fraudulent behavior of their partners/vendors/affiliates and I have recourse under the law. I lieu of filing a lawsuit, I would like the CFPB to investigate this issue. The proper resolution is a refund of {$2000.00} USD plus the fee paid for the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE SSNs : XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX - NOT MINE XXXX/XXXX - NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I have had a mortgage on my condo in XXXX XXXX FL for many years, and in recent years it has been serviced by Rushmore Loan Management Services of XXXX CA. 

Recently, I had enough money to pay off the loan in full so requested a payoff statement from Rushmore. They sent me one, dated XX/XX/2019, indicating that the total amount to pay the loan in full would be {$4600.00}, provided the funds were paid before XX/XX/2019. 

I paid them that full amount of {$4600.00} on XX/XX/2019. The next day, I checked the online loan system and it told me that I owe another {$350.00}. I raised a query on their online messaging system on XX/XX/XXXX and got back a response saying only the query was under review. I chased it with another online message on XX/XX/XXXX, and got back a message saying I should call them. 

So I called them today XXXX XX/XX/XXXX ) and they left me on hold for a very long time, attempted to brush me off with unconvincing explanations, and then only when I persisted, agreed to submit a " request for research to their cashiering department ''. But they are still unable to resolve the situation or give me a firm timetable for resolution. 

It's very simple - I paid the full amount in their payoff statement and I paid it on time. They need to acknowledge that I don't owe them any more money and they need to stop giving me the runaround. This loan should have been completed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Repeatedly calling after requesting they do not call. I did not give this company my phone number and they said they received it from elsewhere. When I asked again they do not call me, they continued to try to confirm personal information and argued with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Made arrangement on payment, but they still call every few hours from XXXX XXXX and was told not to call to check their notes on date payment would be made. I'm suffering with stage 4 XXXX and this is upsetting as well as harassing,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX  ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX/XXXX - NOT MINE

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 2019-10-10 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: FL

Complaint narrative:
EXPERIAN, XXXX  AND XXXX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX - NOT MINE

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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Received a letter XX/XX/2019 saying Notice of Sale of Ownership of Mortgage loan. 
XX/XX/2019 I received a foreclosure letter from XXXX XXXX XXXX a foreclosure attorney saying the sale date for my home is XX/XX/2019. The Mortgage Transfer of Ownership Notices / The Truth in Lending Act requires the borrower is to be notified in writing of the owner or assignee within 30 days after the loan is sold. I was notified within 30 days. I have also request mortgage assistance for my delinquent mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I had a loan in process with quicken loans they assure me everything is ok your loan is approve before we close they said I needed to deposit an extra XXXX dollars on my account I told them I didn't wan na do that so I decided to use another lender I ask quicken loans to transfer my appraisal the problem is that when they transfer my appraisal they put denied instead of withdraw just for this reason the new mortgage told me that by fha rules your debt to income needs to be much lower which it doesn't make any sense a contacted quicken loans asking them to please change it to withdraw I spoke to XXXX XXXX she was REALLY ARROGANT I told her this is my third loan with your company which she didn't care it doesn't take nothing away from your company the biggest loan company to change it I told her but she said just no that she didn't care if I can't get the house just because I went with a different lender I think this was done maliciously and on purpose by quicken loans because they know my situation and they know the fha rules that allow them to treat people like this, my biggest point is that it doesn't take nothing away from quicken loans the biggest lender to change the appraisal so I can get the house that i need for my family I'm also loosing money and been embarrassed please stay away from quicken loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
Payment was A little late Made the arrangements And they Still Call me 7 times a day from Different Area Codes Every day is Getting Me and My Wife Really upset About this i had Never seen Such thing like this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
In Response to CFPB Complaint # XXXX " Discover is  not responsible for the quality of the service. " ... Uh, no.. But the merchant is!!! That's why customers have the ability to dispute charges they authorized.. Hello!!! Customers can dispute charges they authorized based on what they paid for not being received. And I paid for both food of high quality and service ... We received neither!!! Eating two or three bites of an entire meal, is nowhere even near the same thing as eating most, or even HALF of the food and asking for a refund!! Discover may not be responsible for the quality of the merchant 's service, but it's their job to force the merchant to credit the customer if the service was not delivered!! This is part of Discover 's job, to protect the customer. No different than if fraud was involved. And this was fraud if you ask me!! All Discover had to do was send them my statement and tell them they were in my favor ... But no. Naturally, it was in theirs.. The merchant 's, as always. It's never in favor of the customer 's!! This is completely unacceptable, and I will give Discover one more chance to credit my account for the {$70.00} charge ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 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: NY

Complaint narrative:
I currently have a credit card with XXXX and two credit cards with capital one. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Regarding Student Loan Account Number : XXXX My loan payments in XXXX and XXXX from bank withdrawal by Navient are not reflected correctly in my balance. 

There was an Interest Only Monthly Payment Agreement of {$460.00} with Navients XXXX XXXX [ Employee ID XXXX ] Per the Recorded Voice Conversation. 

With other interest, the very first payment was {$540.00}. This first payment was taken on XX/XX/XXXX. " Exhibit A ''. 

Recurring Payment of {$460.00} should be taken on XXXX day of every month, ending on XX/XX/XXXX. 

Navient Illegally took the Second Payment {$540.00} on XX/XX/XXXX. " Exhibit A ''. Thus, Navient Defrauded {$78.00} from my Bank Account. This is not the first time, Navient engaged in a Pattern of Fraud, since XXXX. 

I called Navient on late XX/XX/XXXX, I changed Navients billing from Debit Card to Checking Account. Navient said that would be OK. 

The third payment is {$460.00} was taken on XX/XX/XXXX " Exhibit B ''. 

Navient continues to Defraud and Create a Fraudulent Loan Balance with Late Fees " Exhibit C '', even after taking Illegally withdrawing Excess Funds of {$78.00} from my Bank Account Navient also reported Fraudulent Student Loan Balance to all Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I requested validation of the debt from IC System ( tracking XXXX XXXX XXXX XXXX XXXX ) I still have not received validation of the medical debt and it has been well over 30 days. 

This account can not be validated 100 % legally and accurately and it needs to be deleted.

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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding LLC is committing fraud by claiming I owe them a debt, I never signed any contract with them, they can not legally validate that I owe them a debt, my name is not spelled in ALL CAPITAL LETTERS because that's a fiction and I'm a flesh and blood human being, I've reserved my rights under UCC 1-308, My Moorish Appellation is XXXX XXXX which is my free national name, this debt collector isn't the original creditor, and never loaned me anything, I have laws that protect me under the FCRA, specifically Section 609, I don't understand why this debt collector hasn't been removed from my credit file, unless multiple organizations are partaking in fraud, in which I can sue any organization that chooses to do so, I request your organization take action on this notice, if by chance you agree with the fraud and identity theft taking place by Midland Funding LLC, then I will also have to include this organization in my lien process as well, Midland Funding bought this debt from someone else. That's reason enough to remove this debt from my credit file because it doesn't pertain to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I purchased a home in XX/XX/2018 through the XXXX home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. 
I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. 
A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage.

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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I have sent Congress Collection a cease and desist letter and they refused to stop calling i having gotten several calls since i sent them the cease and desist letter.

Company response to consumer: Closed with explanation