vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I would like for the I.C. SYSTEM, INC to show proof of verification that I owe them {$420.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
BACK IN XXXX OF THIS YEAR ( 2021 XXXX WHEN I CHECK MY CREDIT REPORT XXXX  MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL XXXX CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL XXXX CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL XXXX COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I have contacted the CFPB on the same attempt from another collectiron agency and at that time you were able to resolve the issue and you closed your case as the XXXX agree to remove the item from my credit report. 

Today, XX/XX/21 I received the request for the same amount {$230.00} purportedly from another collection agency. I immediately contacted the agency the same day first spoke to XXXX XXXX that abruptly closed the phone call as soon as she found out I was calling to dispute the amount being requested. I called back and this time a certain XXXX answered my call I told him the the correct amount should be {$79.00} not {$230.00}, XXXX did not even made an attempt to understand my request immediately forcefully requested that I pay the full amount. Stating ; " THIS AMOUNT IS ALREADY UNDER COLLECTION IN XXXX CREDIT REPORT ''. 
I drew his attention to to their letter that states : Unless you notify this office within 30 days after receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will assume this debt is valid ''. 

It is clear that this agency does not even make an attempt to get feed back from the consumer prior to proceeding to report a debt on the credit report. My XXXX XXXX went down from XXXX to XXXX and I assume it will go down ever further once all agencies capture this collection attempt. You can see how much damage these agencies can cause to a consumer. 

Obviously these type of entities, that engage in debt collection, despite the efforts of the CFPB continue, without any controls, to engage in very Unfair Deceptive Acts and Practices. 

I informed XXXX of my intention to contact the CFPB on this matter he did not seem much concerned seems the only concern they have is to abuse consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I discontinued insurance with XXXX XXXX and ended my policy. I was told by XXXX XXXX that the policy amount was prorated due to the XXXX and circumstances involved with XXXX and not driving and I paid for the amount of service i retained before cancelling. Due to serious XXXX related instances I was not able to drive. My family is still feeling the effects. I told this XXXX  company that this was settled and please stop sending harassing letters because I don't owe XXXX XXXX. All they sent me for validation and verification was a XXXX page bill. I asked for them to send me documents with the vehicles involved, even though I lost my vehicles, and the dates of the kind of insurance that was not claimed to be settled. Company has not responded to the requests I have made for proof and I would ask please to close and remove from my credit reports. After all that I have had to deal with during the past XXXX years, it is disheartening to have to go through this. I have no accounts with XXXX and please show me documents or policies I signed that claim I do. I also contacted the XXXX credit bureaus for a dispute investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I applied for a personal line of credit about a week ago and during the application process the banker told me he would have no problem getting my line of credit approved, and would only need a few documents to get the process completed. I emailed him all of my personal documents including bank statements, tax returns, retirement accounts. After a few days of going back-and-forth with his credit analyst team, he informed me that they were declining my application because of lack of income, however my income has been steady for the last XXXX years and is actually higher this year than it was last year. He said that the underwriting team was a little different over here and that they were very conservative, however I am a mortgage banker and I am very familiar with underwriting guidelines. My main issue is that he provided to me a credit decision over the phone and told me my application would be approved, which in my mind is very misleading and is a violation of Fair Lending guidelines.

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 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing a letter to you to ask that a lawsuit was filed against Mr. Cooper [ Nationstar Mortgage XXXX  XXXX Mr. Cooper ( XXXX ) XXXX on XX/XX/2021 and served on XX/XX/2021, howcome you guys are so careless that you haven't responded? ( Please see the attached lawsuit in Exhibit XXXX ), also see proof of service in Exhibit XXXX Within XXXX business day let me know why you haven't responded to the lawsuit. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
I was told by XXXX XXXX that I was in the Public Loan Forgiveness Program  through a letter. They took over my XXXX XXXX XXXX. They said I needed to make my XXXX Loans into Direct Loans to be in the Public Loans Forgiveness Program. 

I did as they said and I consolidated my XXXX  Loans into Direct Loans losing the time towards Income Based because I was in the PLFP. 

I was told I didn't need to consolidate any more of my loans with XXXX XXXX and that they would bring my XXXX XXXX Loans over because I am in the program. 

Now, today, I got a letter saying that I might be eligible for the program. 

I am confused and frustrated. It is causing me a lot of XXXX because I could have kept it in Income Based and been done with it in 13 years. Also, 10 years ago, I was denied the XXXX Forgiveness Program and no one told me about the Public Forgiveness Program. 

I'm a XXXX XXXX XXXX and I feel like the government has let me down even though I have been a XXXX for 23 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I would like for the AR RESOURCES INC to show proof of verification that I owe them {$6200.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: MA

Complaint narrative:
An account was set up in my name, without my knowledge or authorization at XXXX XXXX. I did not request the account to be set up. 

I received a letter from them with a debit card. I am in the process of contacting the company to get the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all XXXX  credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company XXXX. XXXX has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about XXXX times a year written in different ways in hopes they would understand their errors. To date, they, XXXX XXXX still will not acknowledge their errors, therefore the XXXX agencies are still reporting Im XXXX for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my XXXX an XXXX XXXX as a result. 

Please force them, XXXX XXXX to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all XXXX credit agencies have the correct information to change the false information about the payment history for that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
THE COMPANY, CMRE FINANCIAL SERVICES , INC, PURCHASED A DEBT FROM DELETE FROM MY REPORT, BECUSE THIS IS FRAUDULENT AND MISLEADING INFORMATION THAT IS ATTACKING MY CHARACTER AS A NATURAL PERSON AND CONSUMERS. COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX XXXX and that is the Consumer Financial Protection Bureau. On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also, according to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your XXXX XXXX services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a XXXX XXXX and any demand for payment of such is an attempt to extort and administer property without right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Approx. XXXX of XXXX, XXXX apparently changed the payment due date on my credit account with them from the XXXX to the XXXX of each month. If they did indeed actually send me a notice, I wasn't able to pick it out among all the constant legalese that they're sending me. For years, I've always sent my payment to them by the due date on the XXXX, but last month I noticed that I had been getting late charges on the account which prompted me to look into it and discover the date change. I immediately did an online chat with them where I explained the situation and was told that the charges would be removed, Yesterday ( XX/XX/XXXX ), I noticed that XXXX late fee from XX/XX/XXXX for {$29.00} had not been removed, so I did the online chat again and was told that only XXXX removal per year was allowed ( apparently they had missed this one ) and that they had properly informed me of the due date change. I submit that in the original chat session, I had been assured that all late charges that had been caused by this date change would be fully, not partially, 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 monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Loan XXXX quotes us a refi on Friday XX/XX/XXXX with XXXX in closing costs, today XX/XX/XXXX he emails a different sheet with over XXXX in closing costs, XXXX XXXX. If I did that in my biz I would be fined and suspended by XXXX. How do closing costs go up XXXX grand plus over the weekend? XXXX should be fined for this kind of conduct. I have wasted time and a credit inquiry and am now outside the XXXX  day period for all mortgage inquiries to count as XXXX What makes it worse is he sent me an email at XXXX XXXX XXXX XXXX XXXX XXXX I'm reaching out to follow up on your loan refinance, can you confirm your feedback on the email i sent you Friday? I would like to know how you would like to proceed? 

thanks, THEN at XXXX PM XXXX XXXX, Thanks for the update. The rates/cost went up from Friday and that's why I wanted to reach out since I never heard back. I'm attaching the updated estimate for you to view. I feel this cash out will save some money now even with the additional cost, but please confirm if you want to continue with this update. Also, if you feel you can improve your score in the next couple of months to get it up in order to get a better interest rate and we can also look into waiting. Please confirm after you review the XXXX estimate. 

thanks, Get Your XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Starting on XX/XX/XXXX I was hospitalize Until XXXX XXXX. During this time my wife filed for a forbearance on our morgage.With XXXX XXXX our lender.Starting on XX/XX/XXXX for XXXX months payments of {$840.00}. Then we were informed that XXXX XXXX transferred to Select portfolio ServicinXXXX XXXX.We have been trying to work with the new lender to get the XXXX months forbearance payments added to the end of our loan. On XX/XX/XXXX we started making our payments again and have made all our payments on time until current date.We have sent all the paper work in to have this amount added to the end of our loan but they keep sending us letters they need more imformation.we have sent the same information now at least XXXX or XXXX times.. they have sent us letters saying they have all the information then XXXX days latter say they need more of the same things we have sent ... this has went on for XXXX months..still hasn't been resolved... XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About three weeks ago, I reported a fraudulent transaction. I never heard back. When I called them today, XX/XX/21 around 4:15-430pm XXXX time, the male ( possibly XXXX rep ) told me Wells Fargo could do nothing because a XXXX party initiated the fraudulent transaction. 

When I asked to speak to a supervisor, the rep who was upset. Then he proceeded to put me in a queue for regular/normal Wells Fargo XXXX XXXX This caused me to wait another 10-15 mins. When someone finally picked up, again, they put me thru to Claims so I could be on hold again. 

But basically, there's a fraudulent transaction that Wells Fargo refuses to do anything about.

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 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
First i am the mother of the minor child XXXX XXXX birthday XX/XX/XXXX i pulled my child credit because i was getting phone calls from credence resource XXXX XXXX enabler I they verified with me her name birthday and social everything was verified accurate except her birthday they had same social same birthday but different year of XX/XX/XXXX when her birthday is XX/XX/XXXX so i pulled credit under the year harvest had and my minor child have a credit profile with several accounts from this company i am enclosing her birth certificate social security card my temp id and a recent bill as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I would like for the CMRE. XXXX to show proof of verification that I owe them {$1800.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation