vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
We lived in XXXX XXXX XXXX XXXX XXXX at XXXX XXXX 's edge apartments Auburn wa XXXX. In XX/XX/XXXX our water heater broke on the ground floor,, a window was leaking down the wall in my daughter room and there was black mold in the closets and a leak under the kitchen sink When the removed the water heater in the hall closet there was a approximately 1 foot by 2 foot hole directly to the ground with exposed dirt and bugs. I asked them to fix it and they said it wasn't. Big deal and they only had the 2 guys for the whole apartment complex. We had moved in XXXX and I was out of work until XXXX and my husband was out of work prior to that in XX/XX/XXXX. I was getting ready to restart my job. I td them we can't live in a unit with mold and dirt and holes to the ground with ants and bugs. The maintenance guy said, '' well that's my choice he guesses and he will get to it someday. I was protected under moratorium act but because of how gross it was in XXXX we had to move. I told management our new address and stated I would work out a payment plan with them. Well the very next month I received notice that it was already at a collection agency and the full amount was due or payments of {$300.00} a week for 2 weeks and then {$200.00} a week until my balance of + {$16000.00} was paid. I initially agreed And set it all up. This week I called And tried to get the amounts adjusted bc I realized it was a lot of money on top of ll the other bills I have. I they wod not work with me. I feel this is a lot unfair and poor taste that they wouldn't work with me and that to make the apartment disgusting causing me to leave so they could file the claim for the amount due was poor business. Because of the unliveable condition of the unit and the force move I should be protected under the moratorium. I will probably have no choice but to fie bankruptcy. I will be discussing the situation with an attorney. 
Thank you, XXXX XXXX XXXX Current address XXXX XXXX XXXX XXXX Unit XXXX XXXX, Washington XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I sent a Debt Validation letter to Rent Recover Solutions via Certified Mail on XX/XX/2021 and they received it on XX/XX/2021. I have not received any correspondence regarding my request to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have several items listed from NA National Credit Systems XXXX XXXX XXXX XXXX, Ga XXXX Phone number XXXX NA XXXX {$150.00} NA XXXX {$92.00} NA XXXX {$91.00} NA XXXX {$74.00} NA XXXX {$59.00} NA, is claiming not to have this debt because they are illegally attempting to collect a debt parking debt of {$8200.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX Report for auto insurance is showing false info that need to be deleted. Its coming up under reference number. 
XXXX @ XXXX. 

This is causing my auto insurance to be very high. 

Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I closed on my home with a short sale on XX/XX/XXXX. Mr.Cooper was my primary mortgage and they accepted the short sale offer and we closed. The bank never sent my XXXX or XXXX documents which was their responsibilty by XX/XX/XXXX. My attorney for the foreclosure prior to the short sale acceptance never received the documents nor did the attorney of record for the short sale. I spoke to customer service at Mr.Cooper 3 times, each time getting a different answer. I was instructed to send a request with the letter of disengagement from my attorney to their research dept. which I did twice with no response. I called again today and was told that only my lawyer can talk to their legal department in order to retrieve these documents, some kind of " code '' has to be removed and can only be done by their legal department, who won't talk to me. Please advise as this is preventing my accountant from completing my XXXX returns. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
According to the attached records, on XX/XX/2018, Zwicker and Associates PC, placed an inquiry on my credit report. Then on XX/XX/2018, Zwicker and Associates, a debt collector, filed a collections lawsuit against me, in violation of the Fair Credit Reporting Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX. Did not contact me about a court date and is taking more money out my paycheck every payday than what the court order. This debt is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My Experian credit report shows that I have a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/2017. This account is associated with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, which I've never been to. I filed a dispute, XXXX, with Experian while the result still shows the account belongs to me. 

I'm looking to : - Remove this account and its associated address in MO from my report. 
- Fix any negative impact on my report from this account, as it doesn't belong to me

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I opened a ckecking account with PNC bank in XXXX of XXXX. This was a direct deposit account that my New York XXXX XXXX pension system was to deposit my check in. The debit card on the account was number XXXX. Although the account was set up in the XXXX, XXXX branch on XXXX XXXX there was a major problem from the beginning. The bank incorrectly opened the account and there was no evidence of the account. I had placed thousands of dollars into the account but when I attempted to use it it would not work. As the XXXX XXXX XXXX couldn't find a valid account it did not approve the XXXX XXXX XXXX formed that I filed. I did not find this out until months later. Even though I had checks, a debit card and paperwork verifying the account PNC customer service informed me I didn't have an account. I learned this after attempting to place funds in the account through XXXX. At the time thousands of dollars were lost " in the cloud '' and were returned after many days and emotional trauma. Certain bills had to be paid and at the time I still did not know why my pension funds were not being transferred into the account. After numerous calls the bank finally opened the account. But at that point the pension system rejected the XXXX funds because of PNC failing to verify the account. ( more )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: KS

Complaint narrative:
This is in response to a closed complaint which has NOT BEEN RESOLVED! The complaint ID is XXXX. The company has shorted me almost {$4000.00} on my mortgage payment but they don't think so although i have proof that their calculations are wrong. No one will call me back and will not look at the numbers to fix the problem. This company is stealing my money and won't get it fixed,.

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX s.s no.XXXX account no all I have is the last four no. XXXX XXXX Someone using my social security number managed to obtain a XXXX credit card using my social security number under the name XXXX XXXX XXXX. The person or persons purchased some products from XXXX totaling {$780.00}. Im disrupting the charges because this a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX my wife and I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. I co-signed with my wife on the loan financed through Chrysler Capital, I believe we may have qualified for a interest rate than the one extended to us of 22+ %. During the pandemic I have made several attempts to refinance the vehicle for a better rate only to find out the LTV is to high. My wife was able to defer a few payments but that only makes the situation worse with the very high interest rate. We still owe approximately same amount on the vehicle as we did when it was purchased almost three years ago. I reached out to Chrysler Capital trying to get them to restructure the loan which they declined. I reached out to the President/CEO of the parent company on XX/XX/21 which he passed along to a lower level management team that still denied the request only offering to defer the loan more and that would not help the situation. They advised me they do not refinance there own loans and I should seek help from an onside bank. I advised them the issue is not wether or not I can refinance its the fact the the interest rate given to us did not allow us to gain equity in the vehicle, making the loan almost impossible to repay if there is the slightest issue and you need a deferment or miss a payment. If we were to defer a payment for two months that equates to {$1000.00} in interest added to the loan. We are unable to refinance or trade out of the vehicle because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Repeatedly calling me about a medical debt and told me that I should be getting the notice in the mail but the doctors office never contacted me and I paid a bill from that doctors office in XXXX of 2020. Its the same woman that is calling and she leaves the exact same voicemail every time. The doctors office is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wanted to un-freeze my credit report with Equifax. 
I logged in to my Equifax account online. 
I found to option to manage my freeze / unfreeze status. 
The website indicated the following : " You have temporarily lifted your Equifax credit report freeze until XX/XX/2019 .... '' I was unable to manage my credit report freeze by way of the website. 
I then called Equifax customer support and was successful in going through the automated process of un-freezing my credit report, but at the end of my call, I indicated that I wanted to speak with an agent. 
I was put in touch with a person and explained my problem, and they indicated that my credit report had been unfrozen, but that there was not a date present to re-freeze my report. 
The person indicated that they were having problems with their system and would not forward my call to technical support. 
This situation does not make me feel comfortable with them holding on to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PA

Complaint narrative:
I have disputed the tradeline for my XXXX Account and Experian refuses to update the information. I have contacted the creditor and they have verified they have sent Experian updated information various times. This incorrect information is negatively affecting me and preventing me from money forward on my home ownership goals. I have also contacted Experian on multiple occasions via phone as Experian has blocked my access to dispute any information on my credit file electronically in an effort to address this matter. Experian has failed to update this tradeline for 3 months.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: OH

Complaint narrative:
According to my attached records, on XX/XX/2018, XXXX XXXX  XXXX XXXX placed an inquiry on my XXXX  Credit Report. Then on XX/XX/2018, XXXX XXXX  XXXX, filed a lawsuit on behalf of US Bank, as a debt collector, in violation of the Fair Credit Reporting Act.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated taxes totaling {$5100.00} was not received, it was intercepted by a third party, cashed in my name. An affidavit was filled out, sent in to Wells Fargo in re, a second check supposedly reissued in XXXX or XXXX of 2020, after I had moved on XX/XX/2020. This amount, {$3700.00}, was offered to me as result of unauthorized accounts opened in my name which I never needed or wanted, XXXX XXXX offered this via phone conversation and would not put offer in writing which is highly suspicious. Also, a second check representing a mediation settlement in the amount of {$500.00} with estimated taxes totaling XXXX was also sent to old address, not received. Wells Fargo reps replied to prior complaints by merely verify address, disregard the fact I moved prior, claim checks were cashed. If they were in fact cashed, it was by someone living at address at the time after I moved, not myself. Mail has been forwarded to new address at XXXX XXXX XXXX XXXX XXXX, CT XXXX, no checks received to date for either amount. The last Wells Fargo rep replied again by merely verifying old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX The rep before that replied by stating the old address was one I had provided, no proof provided as to what address I had given to anyone with Wells Fargo. Even if I mistakenly provided wrong address, that does not change the fact no payments received.. I have checked with Post Office, they show no missing mail or undelivered mail forwarded to new address. In case payments were sent via XXXX or XXXX, neither carrier would know I no longer live there, would have dropped packages, not knowing otherwise..Failing to investigate, reissue payments from Wells Fargo, I will forward on this information to an attorney to look into, file suit if necessary. I prefer to resolve this directly, unfortunately, the reps at corporate office are clueless as to what I'm talking about, attempt to refer me to Wells Fargo Settlement site which is separate from remediation program in which these payments were issued from.

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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank keeps calling the phone throughout the day to attempt to collect someone's debt. No one that lives here has debt. They have never said who the debt was for, the amount, or tried any other forms of contact. The first apparent caller id ping was on XX/XX/2021. Many of these calls hang up on the answering machine. These calls are also spoofing numbers. Not 100 % sure if it's the actual company at this point. Consistently calls throughout the day and hangs up without providing info and sounds like a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: IL

Complaint narrative:
I have been in this situation for a year, it started with local flooding that put me out of work for months. I had just entered a full time position at my workplace that put me in a position of getting caught up and covid happened. I did not expect to be out of work for 7 months. In XX/XX/XXXX I spoke with a person from my mortgage company and she did not offer me any options other than pay my mortgage current. I keep getting letters of acceleration and charged interest during covid. I then got a new job and was injured. I have been out of work since XX/XX/XXXX. I saw a tv excerpt about know your rights and went on there and found out that I should have been given options a year ago. I was defeated seeing this. My mortgage company charges me interest and other fees for property assessment. My mortgage company calls me endlessly and at all hours and days. I did file for a covid hardship forbearance and I am still waiting to hear from them. I am upset that they could have helped me a long time ago and did not offer anything other than shaming me or blaming me. I just want to get this back on track again. Had covid not taken my job I would not even be to the point I am at again. I would have been caught back up and stayed on track.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
At the beginning of XX/XX/2021, I applied for a Capital One Spark Business Credit Card. At the time of application, they did a hard pull to check my credit score. I received a letter 7 days later requesting primary documents that match the business name and street address on the application. 

I submitted the following forms : Articles and Certificate of Incorporation IRS letter assigning EIN Letter explaining the address discrepancy. ( Business address recently changed and not all forms have the same address ) Also, I would like to mention I do have an excellent credit score and there is absolutely no reason for me to be denied credit. 

Capital One is not granting my company the Spark Business Card due to the address discrepancy. Not all the primary forms have the same address. At the time of application, I received no disclosure detailing what forms needed to be submitted, nor did I receive notice that all primary forms need to have the same address on them. 

A disclosure of what forms are needed to open a Capital One Spark Business Credit Card should have been provided to me before the application and they did a hard pull on my credit score, damaging my credit. Without this disclosure, I was unable to make an informed decision. This is not a good lending practice. In the interest of consumer protection, please have Capital One fix this unfair lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: ME

Complaint narrative:
On XX/XX/2021 SQUARE CARD debited my account for {$200.00} to pay a vendor XXXX XXXX. The vendor was ALREADY PAID BY ME from a different account, a different bank. 

This vendor wrote the Square Card dispute team several times to CANCEL her dispute to let them know that she had been paid by me directly. 
They wrote her back & refused to communicate with her! 
The vendor & I BOTH wrote them and sent them receipts to show that I paid the {$200.00} directly to the vendor. They STILL REFUSED TO LISTEN & have STILL DEBITED MY ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is the fourth complaint regarding the same issue : requesting a credit report that was provided to my insurance company on XX/XX/XXXX. TransUnion has only provided me with a copy of the report on XX/XX/XXXX. According to the Fair Credit and Reporting Act, I have the right to request a copy of THIS report that was provided to the insurance company. To date, I have not received this. Please provide me with a copy of the credit report dated XX/XX/XXXX. 

Please see previous complaints with the CFPB : XXXX XXXX XXXX

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