vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
On XX/XX/XXXX I cancelled my account and wireless services with XXXX XXXX XXXX, requested a final bill and with total amount owed on devices, XXXX XXXX XXXX did not cancel services and kept non charging me for services event though I had already switched companies, they never submitted a cancelation of the account to the department that handles closing accounts, for over a year and a half I kept contacting XXXX XXXX XXXX to get this matter resolved, speeded hours on the phone with several representatives and supervisors, they admitted their mistake and made promises of correcting the issues. XXXX XXXX XXXX  never contacted me back as they promised they would, never provided me in writing any information of the corrections, in fact they did nothing and kept on charging me erroneously for an account it was inactive since XX/XX/XXXX, on or around XX/XX/XXXX a collection with XXXX XXXX showed up on my credit report regarding this account, I filed a dispute with XXXX  and it was removed since there was incorrect and inaccurate information reported to my credit bureau, on or around XX/XX/XXXX another collection showed up from the same creditor this time under Sunrise Credit Service collection agency, reposting again incorrect and inaccurate information, they refuse to remove the information and make numerous threats to harm my credit since their client XXXX XXXX XXXX has submitted that those were valid charges, after contacting XXXX XXXX XXXX on XX/XX/XXXX an adjustment of {$790.00} was made into the account since they admitted and realize the mistake made since XXXX, Sunrise Credit Services keeps on reporting to my credit report this account that in fact it should have never been place in collection if XXXX XXXX XXXX would correctly cancel the account in XX/XX/XXXX, there has been nothing sent in writing and XXXX XXXX XXXX refuse to provide writing documentation and refuse to correct and delete this information from my credit report even though we are still working on finalizing the bill with the correct charges.

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 2021-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I have been in repayment of Loan # XXXX ( for security reasons I am providing the last 4 of my account # and can provide the full # if necessary for this issue ) for several months and working to repay the amount due on the loan as the amount ( {$38000.00} which was a balloon payment ) was not something I could scrape up the funds to fulfill in full at a moments notice. I reached out to Mr. Cooper to engage with them to work out an option to continue making payments on the loan till I was able to refinance my loan and completely satisfy the balloon payment. Mr. Cooper did work with me and set me up with a trial repayment period. This process took them a couple of months to create and present to me at which time it was presented I agreed to the repayment terms for a 3 month trial period in which I was to make 3 consecutive payments on time to fulfill a required obligation on my part, which I did. I made every payment on time and fulfilled their request. During this entire time Mr. Cooper continued to negatively ding my credit score ( as often as 3 times within a month ) and dropped my credit rating approximately 150 points. Mr. Cooper made derogatory reports to the credit reporting agencies multiple times a month during this process even though I was din full cooperation with them and meeting each and every one of their requirements. The final result of their derogatory actions has severely negatively impacted my credit rating to the point that a refinance now ( to satisfy that loan ) is drastically impacted. I wish to lodge a complaint and am taking this step first to see if they will work with me to remove those negative derogatory statements from my record before I proceed with legal action. 

Please intervene on my behalf as Mr. Cooper has been unresponsive to my initial request which I lodged with them on Wednesday XX/XX/2021 @ XXXX XXXX. I have been very patient and have been more than gracious in allowing them ample to me to respond to my initial contact to work out some kind of resolution to this abusive behavior on their part. 

I will await a response within the mandated 10 calendar days before taking further action which may include litigious action in which I will request compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland credit has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Tilt Finance, Inc.
State: WI

Complaint narrative:
I recently received a business loan deposit in my Empower Finance checking account on XX/XX/2021. The total amount of the deposit was {$11000.00}. Upon receiving that deposit, I was able to use those funds until I received an email from Empower explaining that my account was locked and the instructions Ill need to follow to get it unlocked. I have completed all identity verifications, proof of business, tax documents, and loan approval documents and they have yet to make any movements on my account. I have called numerous times and everytime Im rushed off the phone, I send several emails daily that dont get answered and Im honestly just very frustrated with this bank. I have read their reviews on the app store, online, and social media platforms and all of their consumers have said the same thing! This company is very unprofessional and suspicious. I would really just like to remove my funds from my account and close it entirely. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX  has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA over debited my account {$150.00} ; this is the second time in the last year they have withdrawn and refused to immediately put the money back in my account. They take weeks to refund the money and they will not put it back in my account. They write checks so they can hold and make holding interest off my funds. This most recent credit on my account has sat since XX/XX/XXXX when they over debited my account for money that was not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
I am submitting this complaint because Experian is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. 

I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.

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 2021-06-04 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian lists my credit score XXXX points lower than XXXX  with the same information. Attempts to contact the company for an explanation/correction have been unfruitful since they only have an automated system that does not allow you to speak to anyone and hangs up on you. How then do I get this issue resolved if I can not contact the 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 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
I found the XXXX Key Bank statement that should be added to the other bank statements as part of CFPB complaint XXXX addition, I want to provide you correspondence I have had with Key Banks HR department regarding eleven job positions for which they have advertised for which, to varying degrees, I am qualified.In addition, I sent this correspondence to XXXX XXXX XXXX attorney for plaintiff ( as that term is used in New York State Law ), meaning that he must sign a CPLR XXXX oath under penalty of perjury that any representations he makes are truthful in fact and in law, under a best information and belief standard of law.As I wrote in that letter, this correspondence is relevant to the foreclosure case. Under New York State Law, foreclosures require a law and equity standard, meaning that the plaintiff must show that it is entitled to foreclose under.law and then prove to the factfinder that it should be entitled to foreclose as a matte of equity.Obviously, we should allow Mr. XXXX and Key Bank to respond. I also recognize that neither Key Bank is obligated to offer me employment or a business contract and nor am I obligated to accept such offer. However, we should be discussing case resolution, and MrXXXX XXXX has refused to do so, both at the Civil Appeals Settlement Program at the New York State Appellate Division of the Supreme Court, 3rd Department and subsequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: MD

Complaint narrative:
In regards to the incorrect information from Experian in their Credit Report, the investigation took more than 30 days, but no response received. 

This is concerning unverified card usage and I want to request the release of the creditor 's name and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Date reported : XX/XX/2021 Amount : {$5300.00} Action Done : Already called Experian and sent a dispute letter. 

Please note that this is for my Business Account and NOT my Personal Account. My personal account is totally fine. 

I demand that the following account listed above be removed immediately from my business account as this charge was not mine and incorrect. Thank you.

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 2021-06-04 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: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
CBF Services is reporting a collection on my credit file that needs to be removed. I have been disputing the account with them and the bureaus and this has not been removed. I was not aware about this debt and as soon as I was I paid it off immediately. I only found out because it was on my credit, I never received a 30 day right to dispute notice. This is a violation under the FCRA and for that I ask this collection be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
Certified Mail Return Receipt required BY EMAIL Monarch Recovery Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Email : XXXX XXXX : XXXX XXXX Account Number XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a complaint to the Consumer Financial Protection Bureau on XXXX XXXX about an account Wells Fargo Dealer Services that is showing up inaccurately on my credit report. I filed an identity theft report with the FTC because this account is not mine and should not be appearing on my credit report. I received a letter from Wells Fargo Dealer Services on XXXX XXXX stating that I would receive a response from the company within 10 business days with more information about this account. 
It is now over 30 days past that time frame, and the only thing I received is a letter dated on XXXX XXXX stating that the fraud unit would mail a fraud packet, that I never received. It saddens me to see how unimportant false reporting is to this company and how there is a blatant disregard for victims of Identity theft in todays world. Not only is this negative report hurting my credit score, what makes it worse is that this issue has not been resolved after the many disputes and complaints that I have wasted time filing. 
I look forward to a solution to this problem, I really do not want to get my lawyer involved but if this issue is not fixed in a timely manner, I am left with no other choice.

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 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TCF & ASSOCIATES
State: UT

Complaint narrative:
I received multiple calls from the following number : XXXX. 
They also called my husband, who has a new number that would not be associated with the account in question. 

" XXXX XXXX with XXXX XXXX XXXX '' is who this person claimed to be. At first, she told me that I had formal complaints made against me, from a XXXX XXXX. I don't know anyone by that name. She then told me that this is in regards to a medical debt from XXXX, that she received from the hospital. This debt was paid in XXXX. 
After contacting the office that handled this account in the first place, I called " XXXX '' back, requesting documentation of this debt and who was obtained from.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: AL

Complaint narrative:
Account Information : Mortgage Servicer Information : Gregory Funding, LLC XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : XXXX XXXX XXXX transferred my home mortgage to Gregory Funding in XXXX of XXXX. Currently, I am in the process of trying to pay the mortgage off. I have reached out to Gregory Funding for the past year and feel I have not been able to receive satisfactory information concerning the mortgage. I initially contacted XXXX XXXX but was told no other information was available as it had been transferred to Gregory Funding. According to paperwork Ive obtained from the credit bureau and from Gregory Funding the amount of the mortgage originated in XX/XX/XXXX was {$130000.00}. I have reached out to Gregory Funding and XXXX XXXX to obtain the correct information and the payoff amount on many occasions but have not been able to receive the correct amount that was actually owed since XX/XX/XXXX because according to the documents the original mortgage amount in XXXX was {$130000.00}. To date from XX/XX/XXXX until the present time XX/XX/XXXX I have paid Gregory Funding approximately {$120000.00}. The interest rate is 6 %. I received a payoff statement from Gregory Funding for {$140000.00} several months ago and have spoken with many of the staff but still havent received the correct information. 
Over the last year I have reached out to the headquarters many times, tried to speak with someone in management to see I can get the correct amount. The number at the headquarters located in XXXX, Oregon goes to an answering machine and no one returns your call. The wait on the office phone located in XXXX Oregon is normally over an hour or more, and when someone gets on the line the information that is received is normally not what you request. I have had several calls just dropped after holding for way over an hour. I have waited several months for another payoff statement after I told them that the original mortgage amount was {$130000.00} in XXXX ; and that is not the amount that should have been transferred in XXXX. It should have been much lower. I have not gotten any additional information from them. 
From what I understand they are plagued with lawsuits for mishandling customers accounts, mortgage balances not correct and not providing correct information concerning mortgages that they hold. I have enclosed a copy of a lawsuit that theyre trying to settle now due to them violating the federal Fair Debt Collection Practices Act. 
I certainly hope your organization can help me obtain correct information relative to my mortgage so I can pay it off! Thanks for any consideration, given this request. 


XXXX XXXX XXXX XXXX cell preferred XXXX office

Company response to consumer: Closed with explanation