vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I advised Choice Recovery that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They initially removed the debt then added it back. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I want this {$25.00} collection removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
{ Cell PhoneThis is an XXXX debt { Cell Phone } that I did not create or have anything to do with. I first learned of this XX/XX/2019 via a collection call, I informed the person at that time, this was not my debt, and I had nothing to do with this. i told the at this time if they would send me all info I would pay this and than turn it over to/ an Attorney I did not hear anything for monthe until I wa ssinformed by Our Tax preparers XXXX XXXX about this being turned into collections, at that Tiem I notified the Credit reporting agency the facts about this debt, and this was taken off of our credit report records. about 20 days ago, almost two years after the face I received a notice from credence, I sent them the info steted and toldm them if I heard anymore about this I would thrn this over to an attorney. this is ridiculous This is not, or ever has been my Debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTRON, INC.
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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im the XXXX of a small XXXX 501 ( c ) ( 3 ) nonprofit organization helping at-risk youth from XXXX City learn XXXX XXXX XXXX. I have a small business account at SunTrust bank. On XX/XX/2021 they allowed a fraudulent check in the amount of {$5000.00} to be cashed on my account. The check was obviously fraudulent because the SunTrust logo was misplaced as well as it was missing key information that is on their checks. I was contacted by the SunTrust Fraud department days after they had released the money. During that call I verified that the check was fraudulent and pointed out all the inaccuracies in the check that they let get cashed. I was then told that it would take 15 days for the money to be put back into my account. Thats an excessive time to wait, especially for a small business. 

My first call since the one in early XXXX was Tuesday, XX/XX/XXXX. I wasnt available to answer the call so someone named XXXX left me a message. I called him several times and have not received a call back. Today, XX/XX/XXXX, Ive been on hold for two hours and counting trying to get this resolved and get the money back into my account. 

I hope you can help me. This is a lot of money and it shouldnt take this long to be resolved when its an obvious fraud case.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
XXXXXX/XX/XXXX - Filed Ch XXXX Bankruptcy/Mortgage charged off -Continued to struggle after bankruptcy and unable to make mortgage payments -XX/XX/XXXX Nationstar began foreclosure proceedings against us while continuing to make loan modification offers to us that were not affordable. 
XX/XX/XXXX through JXX/XX/XXXX - we sent numerous letters - faxed and followed up with hard copies sent by certified mail with return receipts explaining our financial situation, literally begging for a viable solution, while all the time Nationstar was racking up more interest and penalties. 
-XX/XX/XXXX - Nationstar sent us a flyer stating " Mortgage Help is available '' inviting us to a 'Help for Home Owners community event at the XXXX XXXX XXXX. 
XX/XX/XXXX - We met with a Nationstar representative who told us that the mortgage company would carve off {$140000.00} from our mortgage balance in order to facilitate a monthly payment we could afford and this {$140000.00} would go into an interest-free bucket which would eventually be forgiven once all the dust settled from the XXXX crisis. THIS 'FORGIVENESS ' NEVER HAPPENED. 
When we bought our first home after renting for 25 years in XXXX, the amount of our mortgage was {$410000.00}. Today, after almost 15 years of making mortgage payments, our mortgage balance with Nationstar is {$440000.00} ( when they add the {$140000.00} in the non-interest bearing portion ). The fair market value of our home is way below {$440000.00}. How is it legal or ethical that after 15 years of paying ( with an 18 month period of non-payment ), we owe {$24000.00} MORE than the original mortgage amount? Not to mention our mortgage term went from 30 years to 45 years! I'm XXXX years old and my husband is XXXX ... we will NOT LIVE to see the day when our mortgage is paid. Something isn't right. We have contacted Nationstar countless times and NO ONE gets back to us. We sent emails with 'Read Receipts ' that were opened and ignored. We sent an email to the president of Nationstar ... no response. We believe we were coerced into an agreement that took advantage of us and is completely unfair but so far, Nationstar ( now Mr. Cooper ) does not respond to our pleas for explanation and/or forgiving the {$140000.00} as they implied when they convinced us to agree to the mortgage modification plan in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
For the past five business days, beginning with Friday, XX/XX/2021, I have attempted to contact Mr. Cooper Lending regarding inaccurate property tax payment details for my upcoming property tax payment due in XXXX. There are significant deficiencies with the escrow data that may lead to an incorrect payment, or lead to the lack of receipt by my municipality. 

I have submitted daily inquires, including the uploading of my property tax bill, via Mr. Cooper 's secure online message portal. I have left voice mail messages, and I have submitted email inquiries to Mr. Cooper 's escrow team, all of which have gone unanswered. It is not so much the character of the customer service that causes concern, as much as it is a complete lack of discernible customer service whatsoever. The apparent inability to communicate with Mr. Cooper regarding a proactive borrower 's escrow concerns borders on an abrogation of its regulatory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
1 ) On XX/XX/2021 I paid the mortgage payment due XX/XX/2021 of {$1700.00} which includes ( principal plus interest of {$960.00} ) and ( escrow amount of {$800.00} ). 
2 ) On XX/XX/2021 I paid the escrow shortage of {$1100.00} plus {$60.00} totaling {$1200.00} and I told them this was a payment to the escrow account. 
3 ) The escrow account should therefore have {$2900.00} and not {$850.00} as it shows on their website! 
4 ) The XX/XX/2021 of XXXX has been applied as principal only payment according to their website! 
5 ) The XX/XX/2021 of XXXX has been applied as mortgage payment according to their website! 

None of this money has been credited properly per their website! Instead I see on their website indicating I have not paid my mortgage due of {$1900.00}. This is misrepresentation to say the least! Last year I paid the shortage of {$110.00} but was not credited to the escrow account. 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. 

Also, when you call customer service of PHH Mortgage Services they warn you that they are a DEBT COLLECTOR and everything you say may be used against you. I wonder what debt they are trying to collect from me! I thought they are a mortgage company.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ME

Complaint narrative:
In a letter dated XX/XX/XXXX, SLS informed me that there had been a re-assessment of the escrow account. It stated that my escrow amount would change from {$390.00} in XXXX to XXXX in XXXX. On page 3 of 4 of the letter, it indicates that this was in part due to a yearly property tax of {$6000.00}. I checked my property tax bill for XXXX, which indicated that the property tax from that year was {$3000.00}. 

It appeared to me that in their re-assessment SLS had double counted the property tax. I suspected this because their assessed amount of property tax was exactly double of the actual property tax amount as found in the property tax bill that I received from the town. In addition, I suspected SLS had made this error as they had previously made the same error when they bought the loan from the original lender. 

On XX/XX/XXXX, I spoke to an SLS representative over the phone and explained the error. He informed me that he would forward my request to the tax department. I did not hear from SLS again. On XX/XX/XXXX, I sent a message over SLS website to inquire about the progress of my request. On XX/XX/XXXX, I received the following message from XXXX Teller ID XXXX : Thank you for your inquiry. Out Tax Department confirmed the amounts calculated for disbursment [ sic ] are correct. There is no need for a new analysis calculation as no change has occurred. 

I therefore seek to correct the error through CFPB in this complaint.

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 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I advised Americollect back in XX/XX/2020 that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I have done my due diligence, supplied all documentation and yet they are giving me a hard time and impacting my credit over a debt that does not belong to me. I want this item removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
They closed my account on XX/XX/XXXX and i submitted a complain with you guys. Then XXXX XXXX contacted me and told me that he will re open my account. then on XX/XX/XXXX, he send a response denying me my account to be re open. I tried too many times to contact him and he never reach out back to me. the only time we spoke he was racist and discriminated me saying he couldn't understand my accent.

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 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Once again, I have submitted a complaint about an issue that the company, Wells Fargo, has abjectly refused to address. Not one of my particular issues has been addressed at all. The company has communicated information about the wrong car, the wrong loan, the wrong amount and has completely refused to respond to any of these facts. I am not prepared to do anything until they address these issues directly. Details are attached 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 2021-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK
State: MO

Complaint narrative:
As a result of identity theft and credit card fraud XXXX XXXX rescinded 2 months payments when I tendered a paper check to XXXX XXXX they refused to cash it and what has happened since I believe has been predatory and nefarious https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I do not know what this debt is nor the amount. Sequium Asset Solutions continues to call my personal cell phone number many times a day and sometimes back to back calls. Below are the numbers, dates, and times they have tried to contact me after my request to stop. 

XXXX - XX/XX/2021 - XXXX, XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX There are many other numbers before and after these calls from Viop lines in the same area as these numbers above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX for {$520.00} by XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX from Columbia debt recovery llc/ XXXX for {$1500.00} by XXXX . I wasn't given the verification documents I sent by certified mail to collection companies involved or credit bureaus, which violated the Fair credit reporting act. I asked that these accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park a debt on my credit report in the amount of {$1600.00}. The credit reporting deadline expired XX/XX/XXXX, therefore XXXX XXXX and XXXX deleted the account in early XX/XX/XXXX. 

On XX/XX/XXXX, Portfolio Recovery added the same debt for {$1600.00} back to my XXXX  credit report by falsifying the Date of First Delinquency. I asked XXXX to investigate, but XXXX  closed the investigation without revealing their method of investigation and only updated my report to read Consumer disputes after resolution. Portfolio Recovery Associates in collusion with XXXX violated the Fair Debt Collections Act and the Fair Credit Reporting Act by falsifying my credit history and knowingly re-aging this account with the intent to cause further damage to my credit and make the delinquency appear more recent than it is. 

Due to their fraudulent act, the account deletion date has been illegally moved from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OR

Complaint narrative:
To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.

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 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo has no real way to have consumer contact them. The phone number is defective as they do not receive phone calls. 

The Chat is a bot that deliberately and willfully prevents real contact with Venmo, allowing it to not have to respond to losses due to their neglect and is an unjust enrichment for Venmo. 

Today I lost over XXXX and I have no way of even contacting Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 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: U.S. BANCORP
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-02-12 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: AZ

Complaint narrative:
XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to XXXX 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, XXXX, XXXX  and XXXX  said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for XXXX XXXX ever again, or XXXX  or XXXX, these credit cards charge annual fees. Please help me Thanks

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