vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
XXXX ( insurance company ) called this debt collector and advised them that is was illegal to place damaging information on my credit report. The collection agency rep was advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider didn't timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed the incorrect name reflecting on my credit report at least 4x 's in the past 6mths, via online disputes and only half the report gets corrected. 

My name is XXXX XXXX XXXX. I am not sure how an incorrect prefix of XXXX keeps getting attached. I submitted a dispute on XX/XX/2020, regarding the incorrect prefix reflecting on my name and provided a copy of my Drivers License and received an email on XX/XX/2020 indicating that my dispute was completed, however my name on the credit file still shows incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have had incorrect reports on my credit which was over 700 at one point, these incorrect issues have brought my credit down.Now they are removed and my credit is still below 550.Shouldnt my credit go back to where it was before these fraudulent charges were put on my credit.

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 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: GA

Complaint narrative:
First my loan was with XXXX XXXX XXXX. Then without notice I called last year in XX/XX/XXXX, to just check the status of my loan and I found out they were going out of business and my load was sold to a company called SST ( Systems & Services Technologies , Inc., in XXXX XXXX, IL. When I contacted them is when problems started. I requested that my loan documents they had converted be sent to me. I got a lot of window dressing from their customer service rep 's when I called in XX/XX/XXXX and followed up in XX/XX/XXXX. They stated something was being worked up to send me to this date of XXXX XXXX XXXX. I have not received anything and they have treated me like a lost step child. I'm quite upset with them and they have told me I have some daily interest that I didn't not sign for with XXXX and this was a two year load at best. They are trying to milk this loan out for 36 months. I'm paying {$350.00} a month on a loan agreement I don't have documents for and when I requested information from SST they stated they sent info that must have gone in my spam folder and they only send that one time. So I don't have any load documents. My loan was with XXXX XXXX, and not for 36 months at {$350.00}. I would like your assistance in getting this load either dissolved or a change in whatever arrangements they think they have with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I originally had my mortgage with XXXX XXXX- I never signed nor recall signing anything for BAYVIEW LOANS to be involved. They are committing fraud by stealing my money from the amount I owed on the house and raising the interest ; I have asked for ALL the documents with my signature to be to mailed and I have gotten no response. I need all documents and statements to be mailed as this fraud of a company is attempting to intimidate and and defraud me. I need to know how my and why my mortgage loan was sold, the amount and the rate. I need the documents and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Received a threatening and confusing letter about forced placed hazard insurance. 

Closed on my loanXX/XX/2020 with Owning. Loan was sold sometime after closing XX/XX/2020. 

Subject property is an attached PUD with an Condo Master Insurance policy, no in-walls coverage. A one year HO-6 in wall insurance was purchased through my long term insurance agent with XXXX and paid at closing, one year. 

Closing Disclosure has line item deduction for the HO-6 policy paid one year out. 

Received letter dated XX/XX/XXXX in mail XX/XX/XXXX from Dovenmuuehle stating Hazard Insurance for my property expired and this is the " SECOND AND FINAL NOTICE '' before Dovenmuehle will charge me for Forced placed Hazard Insurance. 

Issues 1 ) HO-6 policy paid one year in advance and Dovemuehle is not reviewing record or disegarding their own record or failing to contact the originator they purchased the loan from to obtain a missing record 2 ) Concerned the loan was sold on the secondary market and the purchaser threatens the borrower with inaccurate information to facilitate obtaining missing paperwork of the loan purchase ( the HO-6/Master Insurance Policy ) 3 ) Dovenmuehl would have this information in their records or access from the originator they purchased this loan from but is possibly sending form letters to extract monies from borrowers/homeowner by levying forced placed insurance, when in fact these borrowers have current policies in force. 
4 ) Business practice of Dovenmuehle to shift the burden and costs of filing/obtaining required documents in the purchase of loans on the primary market and evade their due diligence of obtaining necessary documents from the originator, in this instance Insurance onto the borrower with misleading statements and threatening to cost the homeowner substantial sums of monies via " forced place insurance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Got a bill from a medical office I have never been to. I then got a notice from professional credit service XX/XX/19 and told them I've never been to XXXX hospital but they should figure out the bill description in case my hospital XXXX or my family practice doctor ordered something from them. I heard nothing for awhile then heard again from them and told them the same thing and now I haven't heard anything so I figured they were wrong for charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX  XXXX, now DBA XXXX XXXX operated by The XXXX  XXXX  hasn't sent me any statements other than my Final Movement Statement on XX/XX/2018. I paid all that was due and now almost two years later have received multiple collection notices from the National Credit System , Inc. to pay a {$95.00} debt that I've never even seen. 

I have documentation to show that the final moveout statement was {$1600.00}. Of that {$5.00} was a late fee which was subsequently removed by the front office staff ( I have documentation ) and the remaining {$1600.00} was paid in 3 payments of {$530.00}. 

{$95.00} remaining balance? I never received anything about it. 

Ive contacted the National Credit System to report that I am disputing this and I and my guarantor are still receiving additional credit threats that they will damage our credit. 

I have tried on multiple emails and phone calls to get this resolved by contacting the front office staff. Every time, I've contacted them, they've told me they can't help me and that the XXXX XXXX XXXX will resolve this and to send him email. I've now sent him multiple emails and have not received the slightest response. Upon calling the office again, they said just do the same thing, but I am receiving additional credit threats in the mail and frequent calls from the National Credit System.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EXPERIAN, XXXX, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
Former girlfriends daughter took out credit without m permission or approval in 2009 which is past the 7 year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identify was stolen and was used to apply to credit cards, loans, cellphone account, and to open two accounts with suntrust bank, see attached images.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted Capital One within the last few weeks regarding a refund of interest for a transaction that was refunded by XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I charged {$200.00} to my Capital One Visa credit card toward a cruise. 

Due to COVID-19, the cruise is cancelled and my {$200.00} was reimbursed. 
I called Capital One again on XX/XX/XXXX, after having called a few weeks prior, regarding a refund of interest paid for this transaction and they refused to reimburse the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
Company tries to collect claiming they are from XXXX XXXX but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, TRANSUNION, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.

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 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Variable Rate Mortgage ( VRM ) interest rate is recalculated annually on XX/XX/XXXX each year. Specialized Loan Servicing, which was appointed by XXXX XXXX to do the loan servicing, fraudulently took the following actions : - Failed to release the new 2020 annual interest rate statement - Issued XXXX billing statement showing incorrect interest rate at 4.25 % ( was 5.25 % ) -Attached - Per the " 1 Year US Treasury Security Weekly Average '', the contract index, the one year average rate for XX/XX/2020 is " 0.17000 '' which is prescribed for the week of XX/XX/2020 - Attached -Annual Interest Rate is Contract margin rate of 2.75 % plus the Annual US Treasury annual weekly average for XX/XX/XXXX each year now at " 0.1700 '' = a new mortgage rate of 2.92 %. However, contract has a maximum plus or minus interest rate change maximum of 2 % of any given year. Therefore previous interest rate, see Attached XXXX billing statement was 5.25 %. THEREFORE NEW 2020 ANNUAL INTEREST RATE SHOULD BE 3.25 %. which is higher than the calculated rate of 2.92 % and acceptable based on contract terms and conditions. 

Specialized Loan Servicing LLC should be forced to correct their fraudulent error and other consumers should be alerted to this fraud that occurs in low competence loan servicing companies.

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 2020-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I took out a loan in XXXX of 2019 for {$5000.00}. I have made a payment in the amount of {$200.00} every two weeks for a total of {$1800.00}. Only {$2.00} of those payments has been applied to the principal balance. I tried to make extra payments to bring my balance down. I first attempted {$70.00} payment with instructions to apply to the principal balance. It was just subtracted from my regular payment withdrawal of {$200.00}. I then contacted the company asking why they didn't accept my extra payments. They explained that in order for an extra payment to go to principal it had to made on the same day of withdrawal payments. I tried that twice. The first time it posted that payment the day after and again removed the {$70.00} from my next payment. I then tried again on a payment day and this time was flagged that I could not make payments on the same day. They reported this loan on my credit reports and because the balance doesn't go down it's hurting my credit score. I want to be able to pay this loan off in order to avoid the ridiculous amount of interest they will have charged over the course of this loan. I also see that in Louisiana for this type of loan the maximum interest allowed by law is 12 %. They are breaking the law by the amount of interest they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Company tries to collect claiming they are from American Express but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am using Ally Bank. Please look at their website, scroll down. Their website says they are the best 2019 online bank. I have work and other things to do during the day. I do not sit at my laptop during the day. I stay late past midnight to pay my bills at least two times per week. Ally Bank always does it updating around midnight to mess me up while I pay my bills. I chatted with their employees a few times, but they do not care. It is 100 % clear that Ally discriminate its customers who stay up late to use their online bank. This is an opposite from the saying on its website that they are the best online bank in 2019. Their website is lying.

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 2020-04-20 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: NY

Complaint narrative:
I submitted a complaint because I am a victim of identity theft, my credit report shows fraudulent 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