vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
I have been getting repeated phone calls from MetCredit for a medical bill to XXXX. I called XXXX it turned out there was some confusion between them and my insurance company, which I resolved. ( XXXX had my XXXX  Copay listed at {$30.00}, which is what it said on my insurance card, but the provider had, unbeknownst to any of us, raised the copay to {$45.00}. I had visited twice, paying {$30.00} each time. For some reason XXXX was sending the bills to a very old address rather than the address they confirmed they had, which was correct ). I got a confirmation number to confirm that I didn't owe any money. When Met Credit called again I attempted to give them that number, and they refused to accept it, telling me it was up to me to fix it, and then hanging up on me. I don't know what more I can do to fix this, The bill was for {$30.00}. The most recent call was at XXXX XXXX on Friday, XX/XX/2021. 

The confirmation number given me by XXXX is XXXX confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges for an apartment that is keeping me from obtaining proper housing. I have noticed that this company is also reporting inaccurate amounts to credit bureaus. Company is adding interest to the debt they claim I owe and reported different balances to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally financial did not apply two payments despite having accepted the money to my account for my car and on XX/XX/XXXX at XXXX they repossessed my car. They claim my account is 80 days past due when it is not as both the XXXX and XXXX payments were made. Now they are refusing to admit their error and not returning my vehicle.

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 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Today I have reviewed my credit report and discovered that this company has reported that this company has reported that I owe them a debt. I was never sent any notification to make me aware of anything. I do not recall ever doing business with this company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
My Loan Care through XXXX XXXX  recently took over my mortgage. They have been horrible. Their website doesnt work. Every time I try to log in, it says incorrect password. When I try to reset my password, I get an error that it cant validate right now try back later. I have NEVER missed a mortgage payment but I cant get ahold of anyone at this company. When you call, it gives you no option to talk to a live rep. Instead, there is a 5 min message on tax information. There is no way to by pass this information. I dont need information on taxes, I want to pay my mortgage payment. However, I cant talk to anyone, cant get into the website, cant pay by phone, how am I supposed to pay my mortgage payment. Honestly, Im not sure this company really exists. How do I know that they really have my mortgage and this isnt some type of fraud. I wouldnt know ... I cant reach anyone at this company. However, my old mortgage company says they have my mortgage. Im at a loss of how to make my mortgage payment.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
I received an email from Alliant today advising me Alliant reversed XXXX XXXX values back to their previous level for Alliant XXXX XXXX XXXX points. It states " Additionally, we are issuing a points credit to your account so you will experience no point-value loss overall '' I called in XXXX to downgrade my Alliant XXXX XXXX to XXXX  as a result of Aliant 's decision to devalue points. I explained to the XXXX this was the sole reason for my downgrade. 

How will I be credited back for the points now that my card is downgraded to XXXX. 

I have already contacted the company and to date my only answer from them is " we need more time. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, accounts that I do not recognize and incorrect personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I real complaint is with XXXX! They are relentless. This is the XXXX collection agency they've sent me to even after it have been established that this debt is not owed and have been closed for more than 2 years now. 

I received a letter from Source RM on XX/XX/2020. I immediately calls them and informed them that this is bogus and that they are the third company that XXXX has used to try to extort money from me. The customer service representative informed me that she would take care of it. I never heard from the company again via phone or mail. Instead they FALSELY reported this wrong and harmful information to the credit bureaus causing my credit score to drop severely. This negative reporting continually and unexpectedly is causing irreparable damage to major financial moves I'm trying to make and I need this to stop once and for all! I DO NOT OWE THIS DEBT!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
During the last XXXX  days, I created XXXX separate CFPB complaints against BB & T : XXXX XXXX XXXX BB & T responded on XX/XX/XXXX that : Ms. XXXX, the XXXX ACH deposits in the amount of {$500.00} each received in the name of XXXX XXXX were reversed on XX/XX/XXXX and sent back to the originating financial institution. A check in the amount of {$50.00} ( the remaining balance ) will be issued and mailed to the address on file to close the account. Please allow 7-10 business days to receive the check. 

XXXX X {$500.00} has been sent to the source which initiated those direct deposits. But even after more than 10 business days - I haven't received {$50.00} ( the remaining balance ) One need to understand that my money was hold on ransom by this bank for almost 3 months without any interest and further I am still not having all my money here.

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 2021-03-05 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: Colony Brands, Inc.
State: NC

Complaint narrative:
I have disputed charge with XX/XX/XXXXseveral times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms XXXX XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account listed with XXXX XXXX as a charge-off, with a credit limit of {$750.00}, but it's listed as being charged off in XX/XX/XXXX, even though there are no balances listed for XXXX at all and a last payment listed of XX/XX/XXXX with pays as agreed status through XX/XX/XXXX. The claimed balance is {$1000.00}, even though there is a listed limit of {$750.00}. I've requested this be corrected to remove the charge off status and late payments, as the last correct information is my full payment on XX/XX/XXXX, but no one from any of the XXXX credit bureaus or XXXX XXXX has helped at all. Please have this negative information removed expeditiously.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I am concerned that I received an email from my homeowners insurance company that LoanDepot has not paid the insurance premium via escrow. I tried to call LoanDepot and inquire however no CSR could find our information. 

Out Mortgage Loan # XXXX The property address is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges that I am unaware of. I have noticed that this company is also reporting inaccurate amounts to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My refinance loan XXXX XXXX XXXX closed on XX/XX/XXXX. As of today, XXXX, XXXX XXXX my loan has not funded. The origination process was mishandled numerous time by the company. I started my application process in XXXX of XXXX and had been approved and locked a rate XXXX. The loan took until XX/XX/XXXX to close and then the company did not disburse the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We began trying to refinance an existing mortgage loan helps by Flagstar Bank to a new, lower rate loan with Flagstar. It has been just over 3 months since we began the refinance process. I have been timely and diligent in sending them all the documents they require. They have not been timely. They keep asking for more documents, sometimes asking for clarification weeks after I have sent them the required information. I feel they are purposely delaying to keep us paying the original loan higher interest rate as long as possible, or even to frustrate me so much that we dont refinance at all so they can keep us on a higher interest rate. 

Today, more than 90 days after the start of the refinance, they are asking for new, not asked for before, information. Also they again, for the third time, want recent bank statements because they have delayed so long that they claim my previous ones are now out of date. 

I urge anyone looking for a mortgage loan to not deal with Flagstar Bank and go elsewhere.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: LA

Complaint narrative:
The is a credit inquiry on my XXXX  report for " Credit Plus '' dated XX/XX/2020. There is no contact information to contact the creditor to inquire about this inquiry. I have disputed this inquiry with XXXX and they stated that the inquiry is valid. However, I have not authorized this creditor to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FL

Complaint narrative:
On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX TransUnion, XXXX, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

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 2021-03-05 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: LEXISNEXIS
State: FL

Complaint narrative:
On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX XXXX XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Closes this credit card because I didn't want any charges being posted to it. 
I closed card because I didn't want any charges being posted to it. 
On XX/XX/2021 a card was declined because card was closed On XX/XX/XXXX again charges were declined because card was closed. 
On XX/XX/XXXX XXXX XXXX charges were declined because card was closed On XX/XX/XXXX XXXX charges were decline because card was closed. 
On XX/XX/XXXX a XXXX charge was posted to CLOSED account Call Capital One but they refused to remove charge and I cant afford a XXXX charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Global Credit & Collection Corporation

Complaint narrative:
I have called Afglo to settle my debt in full. They sent me a letter of the arranged amount and paid it in the bank. I then sent a copy of the receipt of payment and called them to report it. I spoke to a representative named XXXX who told me that the release letter will be sent in my email within 24-48 hours. 2 days later its still isnt sent, I followed up again and he said to wait another 2 days. I called again today and he said to wait until it comes as its covid and they dont have enough staff. Not even empathetic or apologetic about what happened and said he doesnt have time to talk to me about it as it doesnt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Today I have reviewed my credit report and discovered that this company has reported that this company has reported that I owe them a debt. I was never sent any notification to make me aware of anything. I do not recall ever doing business with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: DC

Complaint narrative:
I received an unsolicited text message on my cell phone from " Frost-Arnett '' noting it was an effort to collect a debt. After searching to ensure the firm was legitimate, I called their office to ask about the notice. I spoke with a service representative who checked the file and informed me it was a " wrong number. '' I have been very responsible with my finances and have been impacted by the coronavirus pandemic ( my wife lost her job and basically half our income ) and getting a debt collection text really shook me up. Bad form. Sloppy business practice and I feel it must be noted.

Company response to consumer: Closed with explanation