vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am being sued by company name XXXX XXXX XXXX and they are going to start garnishing my wages. I have contacted them multiple times advising this is not my debt and I was a victim of identity theft, however they have not done anything. I called them on XX/XX/XXXX trying to resolve this matter but nobody helped, then called on XX/XX/XXXX and I was told to call back on XX/XX/XXXX. During my conversation on XX/XX/XXXX lady told me that she can't help me and they are going to garnish my wages. I tried to explain her that this not my debt and I am a victim of identity theft but she didn't care to hear me out. I need to make sure someone from your agency contacts them and have them stop this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2018-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate. 

Why do I need to have them update when the bureaus should do the investigating? 

Next, I have called the companies and have sent letter already attempting to verify the information. 

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: CA

Complaint narrative:
In XX/XX/XXXX, I was wrongfully served charged for an account I never had. The company XXXX XXXX was opened in New Jersey. At this time I was living in California. I have attempted many times to speak to someone from the court where the judgement charged me XXXX in XX/XX/XXXX. This account has been affecting my life since XX/XX/XXXX. 

I would like to place a complaint against XXXX XXXX and XXXX XXXX XXXX. 

I would like my XXXX $ back. I would like all this information removed from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello - This is regarding my effort to get the PMI removed based on the appraised value. 

My mortgage originated in XX/XX/XXXX with the first payment in XX/XX/XXXX ( including the PMI portion ). And therefore, with my XX/XX/XXXX payment I have made 2 years ( 24 months of PMI payment ). 

I have sent multiple request to Fifth-Third bank to initiate the process of appraisal to remove the PMI. At first they gave the wrong facts and declined the request, saying my loan started only in XX/XX/XXXX' which weren't the case, instead it started in XX/XX/XXXX. Since then I am been told the bank is still reviewing the case. It's been more than 1.5 months and the bank is still reviewing my case. I even provided the bank with proofs showing my first payment was in XX/XX/XXXX which also included the PMI portion. I have talked to multiple supervisors at their bank and everyone has the same thing to say, " we will get this reviewed again and someone will get back to you in 3-4 business days ''. And when that individual calls same old story - " we are in the process of reviewing ''. As I said its been more than 1.5 months and they are still reviewing. Based on the facts, I feel 53 bank is in violation of the law and is cheating me by squeezing out more payments and refusing my right to get the home appraised so that I can get the PMI removed. Last I talked to XXXX XXXX at 53 bank, she said you don't have two years of payment so when you make the XX/XX/XXXX payment we'll review this case. On making the facts clear to her and by literally making her count the number of months from XX/XX/XXXX to XX/XX/XXXX ( both months included ), she realized I have already made 2 years of payment but still said " make the XX/XX/XXXX payment ( which was my 25th payment ) and then we'll review, which clearly is showing how this bank is trying to get more money out of me. I humbly request your intervention for an immediate action and also teach a lesson to banks like 53 that they can not refuse customer rights nor can they cheat them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The companys name is portfolio rc. A bad debt happened to me and I am on XXXX from social security only. All of my assets are 1 car and 1 home. I am upside down on these debts. My mother helps me with those two payments as my SSI is not enough to cover them. XXXX was original CC ompany. They closed the account. Now this company Portfolio has called me while I was in hospital, I have 2 doctors and 2 nurses as witnesses. I can not pay the amounts they require, due my medications and 20 % match with XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is unauthorized inquiries on my report that were supposed to be removed 3 months ago and are still there so my issue has not been resolved.

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 2018-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: CA

Complaint narrative:
From XX/XX/2018, my account balance with Veros Credit was  {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. 

I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. 

When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. 

I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their  customers, than they should not be in business. 

( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Since all effort to resolve the issue on this account has not been responded to I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I request you to provide me the address of the person to send the law suit to be in court in my county. At this time, the court has to determine whether you're in violations or not. 

Please provide me the name and address of who to send the court paper work to. Thank you. 

XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.

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 2018-12-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is unauthorized inquiries on my report that were supposed to be removed 3 months ago and are still there so my issue has not been resolved.

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 2018-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is unauthorized inquiries on my report that were supposed to be removed 3 months ago and are still there so my issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I had went to XXXX XXXX XXXX in XXXX XXXX, New Mexico on XX/XX/2014 for medical needs. I was then married and had XXXX XXXX ( Military Insurance ). I provided the hospital with my ID card which also serves as my Insurance Card. I later received a bill and again provided them with my insurance information, as military insurance covers you 100 % as I lived outside of the military medical facility area. Since then I have received many debt collectors trying to collect on the bill and also provided them with my insurance information and disputed the account on my credit report and they state the information is true and correct and will not remove the account and did not bill my insurance company for the services and which have been covered 100 % by XXXX. I am no longer married and no longer hold my ID card or the insurance anymore. It is not my fault that they failed to bill the insurance company at the time of services and each time after of me providing them my insurance information. I had even contacted XXXX and submitted the bill after over a year of getting no where with the hospital or collection agencies and they state they had never received any bill from them. I can no longer access XXXX and want this removed from my credit report due to them failing to bill my insurance at the time and times there after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
This complaint is about the SPS mortgage and is based on the denial of a loan modification without any financial documentation being requested as to the amount of mortgage payment that could be afforded based on the income, as well as the appraisal value as per SPS own appraisal of {$190000.00} for the past two years, and the current mortgage payment of of {$1800.00}, based on the loan amount of {$460000.00}. Instead they approved a repayment plan which is much higher than the current mortgage. 

I was behind on monthly payments and to avoid foreclosure I applied for a loan modification on property.In XX/XX/2016 under the Dodd Frank Home Affordable Program. SPS modified the loan and increased the mortgage new principal with a total of {$460000.00} with a new principal balance. I am having some difficulty in paying the mortgage of {$1800.00}. 

I recently requested a loan modification due to the past due mortgage payments and was instead given a higher payment {$2400.00} of a repayment plan and not a loan modification. 

SPS did not request any employment or financial information in order to qualify for a modification. However, a repayment plan was offered which I rejected, as it increased the monthly payment from {$1800.00} to {$2400.00}. The banks recent appraisal provided the value of the home at {$190000.00} which has been the same for the past three years of SPS appraisal. The mortgage loan for SPS is currently {$460000.00}, proving a significantly under water mortgage. 

I am unable to refinance this mortgage and there is a second mortgage of {$85000.00}. No one will refinance this underwater property. In SPS repayment with the terms, states the investor ( I dont know who it is ) will  not consider a loan modification. I now owe more than the original loan as prior to my modification in XX/XX/2016 and is facing foreclosure. I've tried to keep up with these payments, but is struggling to pay this mortgage on an underwater property with negative equity, that cant be refinanced, or sold due to it being severely under water. 

SPS has their appraisals and is quite aware of the lack of equity in the home and that they will not get more than their appraisal of {$190000.00}, but much less. It needs a roof, as its leaking and now creating moisture and mold throughout the home. 

The house also has a second mortgage of {$85000.00} plus SPS mortgage of {$460000.00} for a total of {$550000.00} with SPS BPO of {$190000.00} and with a shortsale of {$190000.00} has a {$350000.00} negative equity. However, with a roof and mold issue, makes it less than the appraised value of {$190000.00}. The mortgage is unaffordable and the property has a negative value and is underwater.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: FL

Complaint narrative:
Experian -- I have submitted several letters or Experian in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. Experian refused to update that my report, simply stating they don't have to reinvestigate a dispute they already investigated. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by Experian, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 

This is the third complaint Ive submitted against them. They remove the things only after I submit a complaint. Even after sending in both mailed copied of price report and uploaded online. This has now cost me the ability to refinance my house. 

XXXX  -- I have submitted several letters or XXXX in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. XXXX  refused to update that my report. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX not my account. Result of identity theft from someone who opened an account. Police report provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by Experian, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 


XXXX  -- XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided.

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 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: CA

Complaint narrative:
This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have a sale date on my property for XX/XX/2019 and file per my lender my loan is in litigation and my 3rd party I have authorized and my attorney even authorized to speak on my behalf with XXXX XXXX XXXX. This has been a on going issue with the lender Attorney XXXX XXXX XXXX for the Litigation process, this woman never returned my calls or EVER responded to emails at all, I have attached a conversation with all parties and it CLEARLY SHOWS that my Attorney XXXX gave XXXX all the authorization needed to be for them to speak on my behalf and she refuses to return a call to anyone at all. With my sale date around the corner XXXX wants to speak to my lender and go over the status of the file to get me some sort of mortgage assistance. I had them even email to Rushmore my lender to a Manager, Mr. XXXX and he is the same way he washes his hands of it and passes it on to who ever he can to not speak to any one. How can i get anywhere when i cant speak or have anyone speak to my lender and know what is going on with my file today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CORELOGIC INC
State: NY

Complaint narrative:
I was looking through my credit karma and see I have a hard inquiry on XX/XX/2018 from Credco. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

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 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/18, I opened an account with CITIBANK for Account Package Checking/Savings. This account had a opening promotion tied to it for {$400.00} after meeting certain qualifications. These qualification include depositing {$15000.00} within 30 days of account opening and maintaning that balance for 60 days. I deposited the {$15000.00} on XX/XX/2018 and have maintained that balance ever since, up to and including today, XX/XX/XXXX.  Citi says the bonus should be posted within 90 days of account opening and I have not yet received this bonus of {$400.00}. After contacting Citibank, they refuse to acknolwedge the promotion and I get transferred from one agent to another who has no idea what the promotion is.

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 2018-12-26 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

Company response to consumer: Closed with non-monetary relief