vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX I reached out to my credit card company asking them WHAT is going on with my autopay because it kicked me off and caused me to have a late payment because my payment didn't go through in time and they were telling me that I was removed from autopay.. but I never got any notification.. by the time I got a letter in the mail to pay the bill it was too late and I was past due, so I went back and made sure that I'm on auto-pay AGAIN and it worked for one month and again the same thing happened.. it removed me from autopay and I get another late payment on my account, after all this happened I spent hours on the phone with the credit card company and they agreed to remove the late payments if I was on autopay for a year. a year goes by I reach out to them and get into an endless game of phone tag and no is willing on working with me. so I let it go for a few months and try again.. after a ton of phone calls to the credit card company in XXXX of XXXX I get on a phone with a lady and she tells me that they can't access anything that far away so there is nothing she can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The mortgage company was XXXX XXXX XXXX. XXXX XXXX bought XXXX XXXX from XXXX XXXX XXXX in XXXX. XXXX ceased XXXX 's operations in late XXXX due to the subprime market collapse. So now I am left with XXXX on my deed and no idea how to get a full reconveyance as the loan has been discharged. 

I wrote the Servicer SPS on my second mortgage. The second mortgage was also charged off in XXXX, and SPS did not notify me, and when requested proof of notification, they could not produce the proof that they notified me that the second mortgage of which was part of the purchase loan ( Combo Loan ). The accepted a short pay offer of {$2500.00} to pay off my second mortgage. Prior to all this, SPS denied me access to my account for four years, until I filed a complaint with Consumer Financial Protection Board. Since then they accepted my offer and sent me a full reconveyance. I do not know who owned the note and who the investor is ( owner ). 

It has been a long battle to save my home since XXXX. MERS, Robo Signers, Fraudulent Notices, companies going bankrupt like XXXX, then XXXX XXXX XXXX   stepping in but won't step up and help home owners, but state that they are the trustee but don't have authority to grant the re conveyance. 

Then on the account statements financial records, there are discrepancies of money as place holders and large amount of cash transfers that SPS can't explain when asked. 

This mortgage XXXX ( that is the account number they give me now ) the MIN number for the loan is not even available or listed on MERS at all, no record. I don't know what is going on. 

I am requesting that SPS send me a full reconveyance of the first mortgage due to the facts. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/XXXX I reached out to my credit card company asking them WHAT is going on with my autopay because it kicked me off and caused me to have a late payment because my payment didn't go through in time and they were telling me that I was removed from autopay.. but I never got any notification.. by the time I got a letter in the mail to pay the bill it was too late and I was past due, so I went back and made sure that I'm on auto-pay AGAIN and it worked for one month and again the same thing happened.. it removed me from autopay and I get another late payment on my account, after all this happened I spent hours on the phone with the credit card company and they agreed to remove the late payments if I was on autopay for a year. a year goes by I reach out to them and get into an endless game of phone tag and no is willing on working with me. so I let it go for a few months and try again.. after a ton of phone calls to the credit card company in XXXX of XXXX I get on a phone with a lady and she tells me that they can't access anything that far away so there is nothing she can do.

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 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Region keep trying to cash the same check 4 times in a row Why? 
See attached

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 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group
State: GA

Complaint narrative:
PROFIT SERVICES GROU Last reported XX/XX/XXXX {$74.00} Reported balance Original balance {$74.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Consumer disputes - reinvestigation in progress Original creditor name XXXX XXXX XXXX CONTACT INFO PROFIT SERVICES GROU XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX This bill was paid in full by my insurance company on XX/XX/XXXX, yet they sent it to collections on XX/XX/XXXX. I have reported this to to the credit bureaus and thy remove it and then the next month the collection agency puts it right back on, this has been going on forever. I have called the original creditor and thy say it is paid in full, and admit they made an error reporting it and will stop the credit bureau from putting on my credit report. I have called the collection agency and the lady who was a supervisor was uncorropative and hung up on me. This has caused me harm, I have been denied credit because of this and my credit score has suffered greatly. I have had to pay a higher interest on loans also. I just don't know what to do anymore to get them to stop calling me, and also to take this off my credit report. I never owed this debt, it was paid in full before they reported it to the credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been disputing this account for almost 5 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number : XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This a continuation of CFPB complaint # XXXX since I did NOT receive any follow up to the original complaint above. 

I AM STILL BE HARASSED BY CAPITALONE. They are still sending me invoices for payments to be made although my account with them is paid in full! 

After not being able to access the online Walmart system I used the previous month I was very concerned and called Walmart/CapitalOne until I got to a manger who was American so I could be assured he understood what I was asking for. 

Since Walmart had transitioned from XXXX XXXX  to Capital One I wanted to verify my balance was accurate. I had returned several items to Walmart and was expecting a refund. 
The manager said he would sent me statements. When the statements finally came I verified the balance with the exception of a {$27.00} charge. Rather than dispute it and go through further hassles with Capital One I just paid it. 

The transition was a FIASCO! It should have been seamless to the Walmart customer who should have been allowed to used the same Walmart interface to make payments. The Walmart funding source change should have been behind the scenes to the customer with just a note of the new bank not a complete reinvent. 

CAPITAL ONE IS THE WORSE FINANCIAL INSTITUTION I HAVE EVER DEALT WITH They have farmed out their credit card division out cross the Globe which maybe the cause of the cyber attack on CapitalOne. I DO NOT want my personal and financial information to be handled in that way, leaving me vulnerable to identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I have made payments online with Domerville Mortgage over the course of years .They took that option away from me saying that I filed bankruptcy and didnt file a a form stating that I would still make and be accountable for my mortgage was is false ..This document was filed and signed .The document was also forwarded to the by Maryland Housing Development whom the loan was generated through..Dovenmuehle Morttagage has yet to set the account so I can make online payments.When I call to make payments Im left on hold forever without response..This has been going on for 6 months now..Its as if they want me not to make payments..Ive talk to several individuals who couldnt explain why I didnt have access before being on a 3 way call with myself .Maryland .Department of Community Development and Docenmuehle Mortgage ... and till Date I am still dealing with this issue and it has yet to be resolved ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: SC

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/19, XX/XX/19, XX/XX/19, I tried accessing my Equifax report online, and have received the same error messages : call Equifax. 
Each time I called, I got the same XXXX answer, give it an hour and try again ... 
There is inaccurate information on my report, and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank does not post payments in real time. It takes several days or even several billing cycles for a payment to reflect on my account. Neither the app or the website update my account in a timely manner. This makes it difficult to allocate payments to different promotional balances, which requires a phone call each and every time a payment is made.

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 2019-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I have MULTIPLE complaints. 

The first is that information is lacking and is not transparent. There is no way in the system for me to confirm the repayment plans each of my loans is on. 

The second is that they placed my loans in forebearance for NO reason. 

When I emailed to ask about it two weeks ago they never responded. 

They increased my monthly payment claiming it is because some of my loans are on a graduated repayment plan even though I switched ALL of my loans to the standard plan years ago. Since I can not view/access that info, I applied to change all of the loans to standard. They denied it stating my loans are already on the standard plan which begs the question of why were my payment amounts increased and why are they claiming some are on the graduated repayment plan. 

Now, the site wont allow me to submit a question about that. 

It feels that they intentionally fail to provide information or respond to requests for information and I am concerned about what is actually happening with my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Regional Management Corporation
State: SC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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