vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX XXXX ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.

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 2021-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
THIS COMPLAINT IS BEING RESTATED HERE A SECOND TIME HOPING IT WILL BE PROPERLY UNDERSTOOD. 

1. Intentional con-predatory monthly billings 2. unauthorized modification of loan balances and monthly payments as opposed to agreed amortization payment schedule 3. Unauthorized modification, substitution and addition of items on the agreed mortgage loan documents agreement.

4. False claims of Default payments, unauthorized charges and fees 5. Threats of foreclosure, unauthorized surveillance and intrusion, trespass 6. Failure to apply received monthly payments checks, hoarding of payment checks and conversion 7. continuing endangerment of mine and family 's lives and causation of emotional distress and et cetera Neither XXXX XXXX XXXX responded to my complaint. How the money claimed owed {$11.00}, XXXX must be explained in a language an average consumer will understand compared to the loan agreement Amortization schedule. Nothing less than the amortization schedule agreed and signed is a valid method of 'debt collection ' here. The claimed Escrow account must be unveiled as to items encompassed therein where the homeowner pays [ everything ] and conceded by XXXX in a written acknowledgement. 

XXXX denounces XXXX XXXX XXXX as the attorney in fact. It must produce ( a ) documents signed by the loan borrower mortgaging the property in question ( b ) It must produce documents consented to and signed by XXXX XXXX XXXX ( property owner ) mortgaging the said property ( c ) it must provide documentation verifying its claim the property is insured by FHA/HUD where both entities have sent written verification of non-insurance of the property and et cetera. 

Yes, publish these so the public will make sense out of your claimed closure of the complaint on the basis of responses recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My loan servicing was transferred from XXXX XXXX XXXX to LoanCare LLC. on XX/XX/2021. The transfer documents stated payments due on or after XX/XX/XXXX should be paid to LoanCare LLC. However, I made a payment of {$3800.00} to XXXX  XXXX XXXX through an automated payment system on XX/XX/2021 for my payment due XX/XX/2021. After the loan was transferred, my statement for LoanCare LLC also showed that I owed a payment on XX/XX/2021. I later made this payment a second time to LoanCare LLC on XX/XX/2021 in order to avoid late fees. 

On XX/XX/2021 the escrow ( {$550.00} ) and principal ( {$1300.00} ) portions of my XX/XX/2021 payment to XXXX XXXX XXXX were made as payments to my loan on my LoanCare LLC account. However, the interest portion of the payment ( {$2000.00} ) never appeared. I contacted both XXXX XXXX XXXX and LoanCare LLC via their customer service lines on XX/XX/2021, however neither company was able to fix my issue. XXXX XXXX XXXX stated that the payment was applied to the loan at the time of transfer, as it was made before the transfer date of XX/XX/2021. LoanCare LLC said that this payment did not show up in their records, and advised me to contact 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
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have 2 credit cards from Citi bank as well as banking accounts for over 30 yrs. It started in XXXX XXXX to current, Citi keeping my credit availability only {$200.00} - {$300.00} every 2-3 months. I am regularly making payments for both credit cards on time, and not using these cards. The very first time they made my credit line lower in XXXX, XXXX ( Citi lowered almost 50 % deduction ), I called their customer service several times. Their answers were always uniformly the same as " Please contact the credit agency ''. I checked 3 credit bureaus, but nothing was found negative. I have other credit cards from XXXX XXXX & XXXX & XXXX, they do not make changes on my credit line, one of them actually sent me a better offer. 
A few months later, Citi lowered my credit line again. I called them, heard the same as before. Another few months passed, Citi did again. They keep my credit line stays only $ XXXX {$300.00} availability. Basically, Citi is saying to not use their credit cards, asking me to close the accounts. This cause my credit score to lower, almost XXXX - XXXX points down because of Citi 's this practice. Citi is intentionally lowering my credit line to make my credit score lower. The more I make payments, the more Citi lowers my credit line to make my credit score lower. It's harassment against an individual who honestly making payment without delay, without using these cards. I have asked many times to transfer my call to their credit department, but they refused to do so. 
During the pandemic between XXXX - XX/XX/XXXX, I received a strange letter 3 times from Citi which is asking me to contact them to clarify the information. I called their phone # on the letter every time I received a letter, but no one doesn't know what it is. I have even asked their manager what going on is. This manager also can not find the reason for the letter I received.

I really want Citi to investigate the internal system what going on is. It may mix with other individuals or by their employee illegally access to Citi customers account, and input faux information. Please investigate Citi 's business practices and employees.

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 2021-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
I became behind on mortgage payments due to wage loss from COVID and COVID Delta. I lost an entire months wages on two different occasions in XXXX. I have made every attempt monthly to make payments as agreed. I spoke to XXXX with 21st mortgage XX/XX/2021. I made an attempt to make a payment of {$2000.00} to bring my past due to the current month and make up the current month through payments on the XXXX and XX/XX/XXXX. I was told there is an overage of {$1000.00} and the {$2000.00} would bring my payment to XXXX due. XXXX then supervisor XXXX on the phone who then began to blame me for being past due, saying things like at least I pay my bills when are you vacating the home saying I had until XX/XX/2021 to vacate. I told XXXX I hadnt been served with notice of foreclosure. I told her that with the way I am being spoken to I am not authorizing the payment. I asked XXXX why she is threatening me. That I had everything worked out until she got in the phone and began to harass, belittle, berate, degrade, and humiliate me. Calling me names. Attacking me as an individual and commissioner. Laughing at my misfortune. I have never been treated fairly by this company and they make threats every phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data is claiming that they can not address this issue with CFPB because I have retained an attorney. There is no indication of that in this complaint Ref # CFPB XXXX. This is simply a dodge to not address the issue of the complaint that the debt is not valid as the person filing it did not have the authority to do so, I submit the small claims case as evidence that this person is the same as that filing the collection.

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX XXXX. On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. The debt is either invalid or the entities above have perjured themselves in court. The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: AL

Complaint narrative:
THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST THE ORIGINAL CREDITOR, XXXX XXXX  AS A PART OF MY IDENTITY THEFT PACKET FILED IN 2019. THIS CHARGE WAS REMOVED THEN SOLD TO A COLLECTION AGENCY WHO HAS PUT THIS ON MY REPORT AGAIN. I FILED A POLICE REPORT BECAUSE I HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T HAVE MY NAME, CORRCT SOCIAL SECURITY OR ADDRESS. I WOULD LIKE FOR THIS COMPANY TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING THIS ACCOUNT. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have attempted multiple times to have JPMCB CARD vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. As you will see in the letter attached that I received, it contained XXXX validation information for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. I have given JPMCB CARD more than 60 days now to delete and resolve this issue and no response with valid proof has been given. According to the FCRA, JPMCB CARD has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Problem with personal statement of dispute
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Adstra Recovery services, XXXX XXXX, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: NC

Complaint narrative:
On XX/XX/21 I have sim associates calling me 10 times in a row at XXXX and also on XX/XX/21 they called 8 times in row also and numerous calls all day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. I also believe my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GVA Holdings, LLC
State: SC

Complaint narrative:
I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TX

Complaint narrative:
This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.

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 2021-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have attempted multiple times to have KOHLS/CAPONE vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. As of writing this today, XX/XX/2021, I received XXXX response to my validation requests for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I have given KOHLS/CAPONE over 60 days now to zeither validate, or delete this account from my credit report and no response with valid proof has been given. According to the FCRA, KOHLS/CAPONE has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I was part of the class of XXXX Members whose old XXXX XXXX credit cards were moved to Barclays without our approval- it just happened and the new card showed up one day and the old one no longer worked ( as of XX/XX/21 ). I had several questions and gave up trying to reach customer service after 2 waiting periods of over an hour each. I finally got through and was told that the many emails I am getting about non-posted charges are probably phishing, and was told to forward them to XXXX. I have sent them over 20 such emails and am still getting 5-10 each day. They have not responded to any of my forwarded emails and now their phone system says they are updating their systems and I should " call back another time. '' I want to know if I can block the sender ( XXXX ) and ignore them or if this is a big problem which will cost me thousands of dollars. They simply won't respond. 

Additionally, the XXXX due date was the XXXX of each month and the Barclays due date is the XXXX. I set up autopay 3 days prior to the XXXX, but since the last bill was not paid until the XXXX I got a late payment fee on the XXXX of XXXX Their system is still showing a due date of the XXXX even though their stated due date is the XXXX! I have no way to resolve this for the coming month and fear another late payment fee. 

I can not call them or email them- they will not take a call or respond to email. Thank you for your 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 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I borrowed money from this company but I can not afford to pay it back with the high fees. My checks were garnished from federal and state level and a levy is on my home. I have given everything out of my accounts and I have monthly payments garnished for the next few years and a levy on my home. Due to obligations with the government, I ask to pay pennies on the dollar for original amount borrowed. I really have nothing left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Paradigm Assets, LLC
State: AL

Complaint narrative:
THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST THE ORIGINAL CREDITOR, XXXX XXXX  AS A PART OF MY IDENTITY THEFT PACKET FILED IN 2019. THIS CHARGE WAS REMOVED THEN SOLD TO A COLLECTION AGENCY WHO HAS PUT THIS ON MY REPORT AGAIN. I FILED A POLICE REPORT BECAUSE I HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T HAVE MY NAME, CORRCT SOCIAL SECURITY OR ADDRESS. I WOULD LIKE FOR THIS COMPANY TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING THIS ACCOUNT. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Problem with personal statement of dispute
Company: Possible Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX, Possible Finance, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
I refinanced my home mortgage and the existing loan with NewRez/Shellpoint Mortgage Servicing was paid off via wire transfer on XX/XX/2021 but is not being credited to my account until XX/XX/2021 per the NewRez representatives Ive spoken with. This has resulted in me having to pay interest for 3 days on not only a loan that was technically paid off but also on my new mortgage with XXXX XXXX XXXX XXXX. Per consumerfinance.gov mortgage payments must be promptly credited and applied to my account on the day the funds are received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation