vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: CO

Complaint narrative:
One month ago I contacted green sky requesting a deferral due to COVID19 given my hours were cut at work. I was told I had a 3 month deferral. 5 days past the first payment that was not made ( 1st month of the deferred months ), I received a collection call. I reiterated that I was told I had a three month deferral and offered to pay as I did not want my credit to be negatively affected. I was assured that nothing is reported to the credit agencies until a loan is 30 days past due. A week after that call I get multiple collection calls, two in the same day. I have the same conversation and am assured that nothing is being reported. Yesterday, one month after the initial call I receive a letter in the mail  confirming the deferral. This morning at XXXX I received a call from Greensky yet again. I have excellent credit ( XXXX  rating ) and do not want to associate with a company that has a complete disrespect for its customers during a pandemic and no internal tracking of the conversations taking place. I have since set up the loan to be paid in full so I do not have to interact with this company ever again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Dynamic Recovery Solutions is repeatedly charging me for the same debt that I have paid years ago. The current creditor is XXXX XXXX XXXX XXXX XXXX. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. Dynamic Recovery Solutions waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted my ENTIRE information file needed for my business ' PPP loan VERY early. However, the support of my file has been very unresponsive. I finally received an electronic document in the XXXX filed which only asked me for information that was already submitted! There is no phone number to reach, the chat in the platform doesn't even work, and there is no email. This shouldn't be this hard with a large bank like Bank of America.

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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my Experian report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : XXXX*An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX   XXXX  authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report.

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was the victim of a scheme where I was hired as a personal assistant and unknown to me, I was given fraudulent checks in XX/XX/2020. Citizens Bank cashed and accepted these checks without verifying the checks. When Citizens Bank did finally realize these checks were indeed fraudulent it was the end of XXXX/first-second week of XXXX. 
The bank did not notify me that the checks were fraudulent. I simply checked my account and saw a negative balance. 
I went to the Police Department in my town and my local bank branch. I have receipts, tasks, emails, texts messages showing that I do not have the money shown. 
Citizens Bank refuses to address this issue with me and close my account. They denied me access to the account, but took my federal tax refund. They refuse to file a claim and refuse to work with me in anyway to resolve this issue. 
I have not been contacted by their legal counsel or fraud department. After many phone calls to Citizens Bank, now XXXX, no resolution, and my amended refund is about to be seized by Citizens Bank, even though they will not allow me access to the account. 
I was unable to update my account information on my amended tax return this resulting in the refund to go into this account. 
I called Citizens Bank immediately just to receive 5 different answers on whether or not this refund will be seized. I expressed that during this time of pandemic and emergency and being out of work that I need this money and these tactics are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Fidelity National Financial, Inc
State: NM

Complaint narrative:
In XX/XX/XXXX XXXX and XXXX XXXX claim that they lent XXXX XXXX XXXX - XXXX XXXX a loan for {$100000.00} to purchase an office complex for himself that I was told would be a flip property. They produced a photocopy of a cashiers check that they claim was given to XXXX XXXX at XXXX XXXX XXXX as payment towards this loan but XXXX XXXX XXXX never received a receipt for the transfer of money into escrow nor was the money ever deposited into the XXXX  XXXX XXXX business account. Then the XXXX 's had XXXX XXXX write up a Promissory Note stating that XXXX XXXXXXXX XXXX XXXX XXXX owed XXXX and XXXX XXXX {$100000.00}. These two companies, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are two totally separate LLC businesses, formed by their son. 
Then in XXXX of XXXX XXXX and XXXX XXXX set up another appointment, along with their son and had me sign a quit claim deed, drawn up again by XXXX XXXX from XXXX XXXX XXXX, after the purchase agreement had already been signed for the sale of property, to transfer my rights of ownership back to them, five days before closing. The property was valued at over {$100000.00}. Therefore whatever scheme they had devised as a Promissory Note in XX/XX/XXXX was paid back to them one month later in the form of a quit claim deed to property at XXXX XXXX XXXX, XXXX. 
In XXXX of XXXX, XXXX and XXXX XXXX produced this same Promissory Note to the XXXX  District court in a lawsuit to which they are not party to, claiming the repayment of this fraudulent business loan. They are engaging in a hoax to deceive Judge XXXX XXXX of a debt that does not exist and lay claim to a property to which they do not have title ( XXXX XXXX XXXX XXXX XXXX ) and through a lawsuit to which they are not party. 
It is my belief that XXXX and XXXX XXXX along with XXXX XXXX and XXXX XXXX have conspired to commit fraud. They have used trickery through numerous legal documents and signatures from three different business entities to deceive Judge XXXX XXXX in the XXXX XXXX District Court. At not time did I ever receive money from XXXX and XXXX XXXX as stated by their fraudulent Promissory Note dated XX/XX/XXXX. They are engaging in a hoax to manipulate and deceive a District Court Judge through the Special Master, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX  is repeatedly charging me for the same debt that I have paid years ago. The current creditor is Pinnacle Credit Services , LLC. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. XXXX XXXX XXXX  waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
The principle balance shows an incorrect XX/XX/XXXX balance of {$48000.00}. The amount should be in the {$4700.00} 's, as the balance was {$47000.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
filed complaint against Equifax XX/XX/2020 with CFPB # XXXX. Equifax acknowledged interim receipt of this complaint on XX/XX/2020 but failed to pursue action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Pnc is not authorized for me to purchase something

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Why haven't I received a letter in the mail that the forbearance was cancelled? 

On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX She submitted the request for the forbearance to be cancelled. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX - he confirmed that the forbearance was cancelled and I would be receiving a letter. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX he confirmed that the forbearance was cancelled and I would be receiving a notice in the mail. He also told me I a supervisor would call me back. Why didn't a supervisor call me back? 
I also was assigned a SPOC who never replied to 8 emails or called me as requested many times. 

Where is the official letter of cancellation of forbearance? Why have I not received it? 


I did not want a forbearance and was forced into it. On my other complaint Complaint id : XXXX you confirmed that the forbearance was cancelled. Where is the physical letter to be mailed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two fraudulent checks were deposited in my account I never use mobile deposit the only checks go into my account are my pay checks which are the same amount every two weeks and my child support which is a direct deposit. my old phone was stolen and I didnt have a lock code and all my information was stored from my driver license picture and also my log ins that were stored in my notes now Wells Fargo is telling me that they are closing my account when I have did my own investigation in how this has happened my XXXX XXXX was also linked to my account this is indeed stressful please help

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 2020-04-28 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: NJ

Complaint narrative:
I checked my credit report. I found a XXXX bill for {$1000.00} from an account that was opened in XXXX of 2017 that did not belong to me. I contacted the debt collector to find out who the debt belonged to. I was told that the debt belonged to me even though I was given no validation of the debt, I never received any bill for the debt and I was never contacted about the debt by having a bill sent to me for an account that supposedly belongs to me. I informed my local police department and filled out a voluntary identity theft form and then was given a police CAD report recording the incident for further use with the collection agency and the credit bureaus. All of which ignored my efforts and just sent back information that this debt was verified. How could a debt that does not belong to me that is not even in my name be verified as my debt. I request a full investigation be done of this alleged debt and how the investigation was done with all relevant paperwork including original creditor documentation, business records, full accounting, a sworn affidavit from someone with personal knowledge of the debt. Some valid contractual obligation which is binding for me to pay this debt. Also, to produce the documentation from the alleged creditor authoring this company to collect this debt in their behalf. I am sending my most recent letter to Convergent Outsourcing requesting this information again.

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I was looking over this alleged debt owed and I did not receive word of any debt owed to this company. I no longer live in Georgia therefore they are also reporting incorrect information against my credit report. I would like this removed.

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent says I owe money on a XXXX XXXX bill from XXXX and XXXX. I have never been with XXXX. I do not owe this and I received a letter wanting to discount my bill if I payed now. yesterday the XXXX of XXXX, XXXX. I called the 800 number and they had a phone number they said I owe on and I do not recognize this number nor have I ever received a bill for this number nor anything from XXXX. I have excellent credit and always have. This hurts 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 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I received 2 phone calls from XXXX at my work number ( XXXX ) XXXX and 2 calls from ( XXXX from Automotive Credit Corp ) on my cell ( XXXX ). These all occur first thing in the morning when I am working. I returned the call around XXXX on my lunch and left a VM to let them know that they are not to call my work phone number ( XXXX ) as my boss got the message and was not happy. I was given a verbal warning. On XX/XX/2020 I again received 2 calls from XXXX ( XXXX from Automotive Credit Corp ) at my work number and also 2 calls from them on my cell. I then sent them an email which I got from their website and which I asked them again not to contact me at the work number. About an hour later a friend of mine who I listed on the loan papers as a reference received a call from XXXX ( XXXX ) who told XXXX I was behind in payment and that she needed a number to reach me at. XXXX then called me and asked that I remove her information from the file. I also requested that. Now on XX/XX/2020 I again receive 2 calls on my cell phone and one at my work number which my boss was lucky enough to get. He then gave me a final written warning and explained no more personal business calls at work. I have not included the emails sent to them or the write up as it may need to be used in court and I do not wish to provide them anything until after I speak to an Attorney.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Submitted a prior CFPB complaint that was closed on XX/XX/XXXX. 

The companys response did not address or provide clarity on any of the specific details regarding repayment options I provided in my original complaint. Please review. 

The Federal Housing Finance Agency, which regulates XXXX XXXX and XXXX XXXX, says that borrowers in forbearance whose loans are backed by the two mortgage giants " are not required to repay the missed payments in one lump sum. '' The CARES Act mortgage forbearance rules govern the servicing of my loan in this situation. 

Strangely worded survey was sent out to mislead on XX/XX/XXXX. 
Cant get access to website to review account. 

Photos attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This company has called several times and I have informed them I do not have a debt owed to them. I've never done business with this company and advised them to remove my number and not call back. The representative said she will not remove the number and disconnected the call. I informed them they have the wrong number and I do not want any further calls. They have continued to call and harass me after several calls of me asking them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
criminal record that was expunged still appears on my background check. it was expunged on XX/XX/14 by the XXXX XXXX Municipal Courts. it should not be appearing on my background check and I can provide documentation as needed.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Why didn't the assigned SPOC ever call or get back to me? 
I emailed over 5 times. I called multiple times. 
I expect a response, since I was told she would respond within 24 hours. I NEVER received correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WI

Complaint narrative:
I applied for a covid19 related personal loan from my credit union and was told I had a collection on my credit report. Waypoint Resources company, a company which collects debt for XXXX place an invalid debt collection for {$1200.00} which is not mine. I called XXXX and they have no info at all of any debt owed. This is unethical and fraudulent practice by Waypoint Resources to collect debt. I noticed this XX/XX/XXXX and Waypoint Resource posted this debt XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation