vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
On XX/XX/2020, I commenced a series of five transfers from my TCF National Bank ( XXXX, MN ) savings account ( ending in XXXX ) to XXXX XXXX XXXX. The first four transfers were in the amount of {$25000.00} each. The fifth transfer was in the amount {$4600.00}, bringing the account balance to XXXX. TCF Bank then closed the account. 

In order to close an upcoming purchase of our home, I need the most recent - prior to closing of the account - statement from TCF Bank. While the Bank purports to provide such via its website, the account statement available is only through XX/XX/2020 which, obviously, does not reflect the account balance as of the end of XXXX or the statement closing date as of the first few days in XXXX. It is this statement that I need in order satisfy the real estate lender 's requirement regarding proof of availability of funds. 

On two separate occasions I have called the Bank and requested the needed statement. While the Bank promised to provide such via the USPS, it has not done so. Moreover, the Bank has stated it would post the overdue statement to its website, but as of today ( XX/XX/2020 ) it has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Apparently, someone opened an account with XXXX in my name. I did not, and neither XXXX nor the collection agency will show me any verification of the debt. When XXXX sent a bill, I disputed it, noting I have never ordered anything from XXXX in my life, and I have never sought credit. Further, I do not have nor have I ever owned a vacuum of the type allegedly owned. XXXX stated that it noted the fraud report, and never followed up. It then turned the account over to a collection group, to whom I again reported the fraud. I asked for documentation of the order and debt, and they refuse to provide it, placing the onus on me to disprove a debt by providing personally identifying information, even though they can provide no proof I opened the account. Their repeated contacts with no effort to investigate the debt, constitutes harassment. They expect me to file a police report, but fail to provide the date of order or other information that would result in the police report. 

The actions of Resurgent Capital Services are improper, and they fail to take basic steps to verify that I owe the money they claim. The first call was on XX/XX/XXXX, and they have yet to provide me any factual information about the claim, other than the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The statements for XX/XX/XXXX have not yet been posted online for customers to view. When I called the company today, they stated the statements have not yet been created. A letter from their compliance department last month stated all statements are to be posted on the XX/XX/XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On or about XX/XX/2020, I purchased a new vehicle from XXXX XXXX XXXX, XXXX, Alabama. Purchase price of the new vehicle is {$55000.00}. My down payment is {$40000.00} and I desired to finance {$15000.00}. XXXX XXXX XXXX shopped my loan to several lending agencies of which one was BBVA, XXXX XXXX XXXX XXXX, XXXX AL, XXXX. BBVA refused to extend credit. BBVA refuses to communicate with me regarding the reasons for credit refusal. I have called four times ( Answering Machine ) requesting information regarding my credit application. BBVA will not return my requests for information regarding my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: OH

Complaint narrative:
Trying to activate card. The information is not correct somewhere and the card is " locked '' now so I can't activate it. When you call the number you just have to wait to go to customer service ( which I XXXX  this hack to get to customer service ). Asked her to help me and she tried to put me to automated service. When I said pleasd don't transfer me she hung up. Next lady didn't even let me say card was locked before she transferred me. This was after waiting 15 minutes each time to just talk to someone. They talk over you and are not interested at all in helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2020 i received a notification from XXXX that several of my accounts had been closed. Apparently every Synchrony backed credit card that i had was closed by this company. I contacted them and they stated that I had too many accounts with them and that is why they closed all of them. There was a total of 12 accounts of which some had balances and some did not, none of them was ever paid late or default, as a matter of fact all my credit cards, loans, mortgages etc are all paid on time 100 %. I understand that per the terms and conditions of the agreement with this company that they can close any account at anytime for any reason. However given that a person has never been late or abused the credit available to simply close all of someones accounts negatively effects their credit score by messing with the utilization rate across the spectrum of their credit file. If the company was concerned about the ongoing pandemic issues and job loss and their risk, then this company could have simply just put a freeze on the accounts not allowing anymore to be charged. This process would not have effected the credit score and the ability for the consumer to maintain an active living with good credit. This is simply poor and selfish business on the part of Synchrony..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: FL

Complaint narrative:
i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. XXXX and Equifax failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. Transunion and XXXX failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I closed on our new home on XX/XX/2020. The property is located at XXXX XXXX XXXX , XXXX, PA XXXX. The mortgage company we used was XXXX XXXX. XXXX XXXX sold the mortgage to XXXX XXXX XXXX ( XXXX ) the day after the closing. I scheduled an online payment for XX/XX/2020 because my first payment is due XX/XX/2020. I contacted XXXX today XX/XX/2020 to setup recurring payments because XXXX won't let you set that up online, which I think that is completely ridiculous. I was shocked when XXXX told me today that they sold my mortgage to another company called Nationstar Mortgage ( AKA Mr. Cooper ). I told them that I had not received any notice from XXXX or Mr. Cooper regarding a new mortgage company. This is crazy that XXXX bought my mortgage on XX/XX/2020 and then they turned around and sold it less than 2 weeks before the first payment is due. This seems like an orchestrated scam. I told XXXX that I already had a payment setup to XXXX that would need to be canceled. I also told them that I was concerned about setting up my payment to Mr. Cooper. I was told I could cancel my XXXX payment online. I did that and it thankfully worked. But when I called Mr. Cooper regarding my loan they had no record of my loan. I told them I was concerned about my XX/XX/XXXX payment. How can I make a payment to the mortgage holder if they have no record of my loan? They said there was nothing to worry about and whenever everything got processed I could make my payment and no late charges would be applied. I don't believe them. This seems like a scam to try and squeeze me for late fees. I checked out Mr. Cooper 's XXXX score and quite frankly they completely XXXX and this type of scam seems to be their forte. I have never ever made a late mortgage payment in my life ( I've owned 4 different homes ) and I sure XXXX don't want to start now because of a bunch of crooks in XXXX Texas. Please help me get these jerks to send me my loan number so I can setup an online account and make my mortgage payments. I am really concerned about having to deal with these crooks for the next 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I applied for special Covid related forbearance for my FHA XXXX XXXX backed loan serviced by PHH mortgage back after the cares Act was passed. I used the special Covid forbearance tool on their website. After 3 months of forbearance and now 3 payments, I am unemployment due to Covid 29 and still struggling. I called to request 180 days additional forbearance as per the law and was told my INITIAL forbearance was not even designated as.Covid related and this entire time I had been told it was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I received a call at XXXX asking for XXXX ; the same man called back at XXXX and said he was Naviet and he was trying to collect an debt ; I have given they my Atty info in the past and now I am receiving 10-12 calls a day. then a 3rd person called at XXXX from Navient. I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am a service member in the XXXX XXXX and I applied for a VA mortgage with Pentagon Federal Credit Union on XXXX XXXX, 2020. 

I submitted all the paperwork and documents that were asked for. I was in contact with my loan officer and she then transferred me to a loan processor on XX/XX/XXXX. 

Since then, I have been unable to get any information concerning the status of my loan. I made multiple attempts to contact XXXX XXXX and his supervisor XXXX XXXX. Ms. XXXX voicemail is full and her email comes back as invalid. 

Mr. XXXX replied back on XXXX XXXX that he was sorry for the late response and will get back to me on the loan. 

I am now two days from my closing date of XX/XX/XXXX. I have spend {$850.00} in appraisal fee and inspections, and have {$3800.00} tied up in the earnest money that I risk to lose if this mortgage does not go through. 

Please help. 

Thank you. 

Sincerely, 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 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Credence, This is your formal notice that the account in question is a result of identity theft, and I have also submitted a formal complaint via the CFPB portal. 
I would request that you immediately do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Provide proof that it was removed from my report as-well I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. 

Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

Best Regards ; XXXX XXXX Mobile Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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:
XXXX XXXXXXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX shows a inquiry on my credit report with an Inquiry date of XX/XX/2018. By law the inquiry is to be removed after 2 years. The inquiry still shows on my credit report. The removal date was 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 non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: RI

Complaint narrative:
Hello, I am writing about two new items that have been added to my credit report by Commonwealth Financial Systems. There are two items that they have added to my credit report 1st- {$170.00} and 2nd {$600.00}. I contacted the credit reporting agencies and they have advised that this is valid. Which is ridiculous - as the representative could not even tell me which hospital this is for. 

I called and spoke with their office on XX/XX/XXXX I spoke with XXXX XXXXXXXX @ commonwealth. I asked for some proof that this is infact my debt he was unable to provide me with the basic information necessary. He told me, " to think about possible hospitals I have visited in XXXX. '' How is this possible? 

I then contacted the credit agencies to advise and they are telling me this is a valid debt. How is this possible? They can't even confirm the original creditor? or hospital? Please help me. 

thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I had a debt with XXXX XXXX from XXXX. They sent the collection to XXXX XXXX. I paid the debt to them in XX/XX/XXXX. They sent me a letter confirming collection was paid. I also asked them to remove and they removed the debt collection. Now a Credence Resource Management company is  trying to collect XXXX for XXXX XXXX. I do not and have not had direct tv. I have never heard of this company and I don't have any letters from them. However, they have significantly impacted my credit score with putting this already paid collection back on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas XXXX Transunion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, 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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XX/XX/2020 credit reports from all ( 3 ) agencies were requested in order to confirm clean up or address any errors on reports. 
XXXX  reflects ( 2 ) collections from a CCS Collections, XXXX XXXX XXXX XXXX, MA XXXX Amount {$590.00} Amount {$240.00} No documentation, bills, calls, statements or debt validation has been received to date. 

After contacting the XXXX XXXX XXXX onXX/XX/2020, CCS claims the Agency requesting these past charges are the following : Dr. XXXX from a XXXX XXXX A formal dispute has been started on XXXX XXXX 2020 with XXXX  Compliant # XXXX. 

XXXX XXXX 2020 - Contacted my primary care physcian Dr. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX. Neither the doctor 's office or the billing department has any such request or invoice for anything from a XXXX XXXX or a XXXX XXXX. XXXX with XXXX and XXXX. Both checked nothing found. 

XXXX XXXX 2020 - Contacted CCS Collections- XXXX Spoke with XXXX , She checked my name, verified my phone number nothing was found. No invoice could be location, My name or address was not located. Phone time 18 mins. XXXX call ended 18 mins and after she put me on hold the line died. 

XXXX XXXX 2020 - Contacted XXXX at CCS Collections XXXX XXXX. D.O.B and address does NOT match what is on file. No social security number was even provided. No invoice available. Recommended a dispute as well. 

XXXX XXXX 2020 - Contacted Quest Diagnostics XXXX, spoke with XXXX  XXXX, no tests, no invoice were ever located. Checked by name, D.O.B. Address. Nothing located. I was told to contact The Doctors Office for an invoice number. Again, no invoice was ever located.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several online disputes have been sent to Equifax directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease. Yet, Equifax has repeatedly refuse to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they report that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Happy Monday Team! I was shocked when I reviewed my credit report Today and found a late payment this month XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation