vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The information below is from my credit report that this company just put on my report last month. I have spoke to two different representatives letting them know I am a victim of Identity theft and never had an account with them LVNV FUNDING LLC or XXXX  XXXX who they said they bought the debt from. 

I was never contacted by this company before they put this account on my credit report and I was told by the senior representative on XX/XX/XXXX that they don't have time to call every person to validate the debt before having it put on a persons credit report when they purchase the debt. She stated this debt was from sometime in XXXX. 

I gave them another 24 hours to have this removed from my credit report. As this is a result of identity theft and they were informed of this several times. 

Also I did not sign any type of agreements with this company or any that they claim to have purchased the debt from. 

My rights as a consumer have been violated because I was not given the opportunity to dispute this debt before they put this on my credit report. 

This is the 3rd time I have spoken to someone from this company as of today XX/XX/XXXX. 


Account Details Bureau Name LVNV FUNDING LLC Original Lender 10 XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$360.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX-XXXX Remarks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
I signed up for a credit card with Discover. As soon as I received the card I set up the online account and automatic payments of the minimum amount each month ( since there would be no charges, just using it to pay off one balance transfer ). 

On XX/XX/2019, I received an email saying the bank information I submitted for the automatic payments was accepted, and an email saying my first payment was scheduled. 

At this point I safely assumed the automatic payments were set up. 

On XX/XX/2019 I received an email saying that I had missed 3 payments. I checked my credit report and my credit score had gone down 200 points. Discover had decided to not accept my continuing automatic payments, however they did not send me any notice, by mail, email, or otherwise. 

I immediately signed into the online account and made the payment that was due. I then called Discover and informed them of what happened. Discover told me that there was nothing they could do, and that they do not edit their reporting of missed payments for any reason, even their own mistake. 

However, I did not miss any payments. Discover stopped my automatic payments without my consent or even knowledge. This may have been when my bank changed from XXXX XXXX XXXX XXXX XXXX, but Discover will not give me a reason why they stopped the payments. 

Discover Bank has destroyed my credit due to their own actions and refuses to correct it. Every second my credit is reported incorrectly I suffer irreparable harm. Please help me correct this without having to take this to the circuit court!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NY

Complaint narrative:
In XXXX Equivax mistakenly removed my XXXX XXXX XXXX credit card from my report because they lumped it in with an actual dispute I NEVER intended XXXX XXXX to be removed now it was put back on and eqiufax will not respond to XXXX XXXX ... that the dispute was a mistake and withdrawn ... so XXXX XXXX can not reopen the account the letter was sent from XXXX XXXX to them on XXXX PLEASE help when I call equifax they say I fail the inf to verify its me that is CRAZY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
An eviction debt was owed to a collection company IQ DATA INTERNATIONAL for {$2300.00}. The Account was paid off in XX/XX/2019. I havent received written verificaiton or reciept of payment from IQ Data international but they informed me that their system says the debt was payed and they informed the previous company of the debt payment. But it keeps showing up on my credit report and I am not able to get an apartment without paying substancial fees until this debt is cleared.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
On XX/XX/2019 my mom, XXXX XXXX, ( I have her power of attorney ) made her last mortgage payment to diTech on line and it has posted. On Saturday, XX/XX/2019 she received a letter saying that her last payment was short {$74.00}, which was very confusing to all of us ( it is due by XX/XX/XXXX!! ). She called them today ( XX/XX/2019 ) and was told that this was a fee to release her account. 

My mom is XXXX years old, ill and on a very fixed income. She feels like she may be getting scammed or taken advantage of because she was completely unaware of any fees to close her account as she has been paying on time faithfully for the length of the loan. It seems if any " fee '' is incurred for them to send her her paperwork it should be no more than the cost of a postage stamp. 

She is very stressed over this because she feels like if it is fraud, her bank account info will be in the wrong hands, but if it IS legit she is not going to have the payment in on time. She seems to be in a no win situation at this time. 

Any help you could provide for her would be greatly appreciated. Please feel free to contact me at anytime via cell # XXXX. 

Regards, XXXX XXXX POA documents available if necessary

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX, I called our mortgage company ( Mr. Cooper ) to inquire about removing PMI from our home, which we purchased in XX/XX/2017 for XXXX, with a loan amount of XXXX. I was advised we would need to appraise for XXXX ( have 80 % equity ) to have it removed. 

On XX/XX/XXXX, I called to inquire again, and was told again about the 80 % requirement, and that XXXX would be needed. I asked to proceed. On XX/XX/XXXX an appraiser came out and appraised the home for XXXX. 

On XX/XX/XXXX, I received a letter that PMI could not be removed. I called and was told because they received the appraisal after XX/XX/XXXX that we have now owned our home for over two years and a 75 % requirement is now in place rather than 80 %. The rep said she would resubmit it for review because the appraisal was done prior to the two year mark so felt this was an error and would call me back. 

On XX/XX/XXXX, still no call back. I called there and was told that they would agree to the 80 %, but now the home needs to show substantial improvements in order to remove PMI. They will submit to management to see if they might be willing to refund the {$750.00} appraisal though, and will call is back by Friday. 

We are very upset and would like resolution to have the original requirement of 20 % equity for PMI removal upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. Please help. 

{$19000.00} XX/XX/2017 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 2019-06-10 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have a Chase Sapphire Reserved Card, and the payment is due the first of the month. To pay the bill, I can go through the Chase credit card website and it automatically draws the payment from my Bank Account. The payment normally takes several hours to be completed, although they do state that it can take up to two business days. I normally schedule the payment two days in advance of when my payment is due to ensure that it is received on time, taking into account weekends and how many business days there are before the first of the month. 

I have made payments for this credit card on time for every single month. However, on at least four instances, the credit card is saying payments have been late, and they charge a late fee and interest charge. For the first two instances, I know I made the payments on time, but the company said it was posted late and so they charged fees. When I found out, I called the credit card company and spoke to their customer service representative, and eventually after talking to supervisors they acknowledged that their system inappropriately delayed when the payment was shown as posting, and so they refunded the late fees and interest charged. More recently for this past XXXX, it occurred again. And then for XXXX, I went online and made the payment, but when I got my statement for XXXX recently, it's saying that the payment was never received and so it charged late fees and interested for both XXXX and XXXX. I am tying to talk to them to get them to address these situations as well and am hoping they will resolve it, but it's now seeming to be a pattern. And I have heard from others who have this credit card ( and other credit cards ) that they experience this as well. I don't know if it's just errors in these companies ' systems, or if it is purposeful as a way for them to collect late fees and interest charges from unsuspecting customers. I am lucky in that I am familiar with consumer protections laws and so know how to call them and challenge them, but I worry that many consumers won't notice or won't know how to challenge them and so just pay them. I am wondering if others have complained about this to CFPB and so perhaps it is in fact a pattern that requires investigation? Thank you for your time and consideration, and for all you do to help protect consumers across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: GA

Complaint narrative:
A collection was added to all three of my credit files through XXXX, XXXX and XXXX XXXX for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXX '' in XX/XX/2018. This lease was in XXXX XXXX, California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX XXXX California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$960.00} XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Im getting a collection report of {$37.00} with XXXX through a collection company named diversity adjustment. I cleared that account about two years ago I have never received any letter or claim. I dont have any evidence that I owe that money and is already in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I applied for a conventional mortgage to consolidate my debt. I received a call from the lender and the options they gave made sense. I paid to lock in my interest rate. Every document they requested I returned immediately. The original loan officer had to go out of town and has not returned my call in a while Mr. XXXX. XXXX from the office called me but she went on vacation and so my loan wasn't processed. Now I am at the last day for my interest rate to be locked in and she just told me I would have to pay another fee. I shouldn't have to pay a fee when the loan officers keep going on vacation or out of town prolonging my loan and trumping fees on me. I also appeal the appraisal because the appraiser missed all the obvious thing like smoke detectors and co2  detectors. I wrote an appeal and never received a written decision. I requested the appeal denial in writing and have never received it. They never scheduled anyone to come back out to my house. I paid {$490.00} for the appeal and should get serviced properly. Now they are rescheduling someone to come out to the house to ensure I have a down spout in the rear of the house which I told them over 2 weeks ago was already done. Loan origination date was XX/XX/2019. Adjuster came out and didn't do his job properly I appealed and did not get a decision on the appeal in writing. Requested 15 call backs since the loan origination date and received half of the calls back. Thanks for your time and assistance. Loan Depot is the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Their Experian credit report lists me as deceased and wiped all of my information from their record and said they can not change it. They referred me to call XXXX XXXX law firm but Ive tries for months to reach them by email and phone without response. 
Please help. Thanks

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 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: VI

Complaint narrative:
FirstBank removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through FirstBank and that there is no authorization from the account owner, as there is no signature. 

XXXX The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. To our knowledge there as no complaint or problem with this customer. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ok so sometime last year my Bank of America checking account was closed due to fraudulent activity ( in the amount of {$22000.00} ) that wasnt me. Because I lost my wallet with my account PIN number in it. I didnt file police report because i knew it wouldnt help get my belongings back. I tried to dispute it through my bank at the time but they denied my claim and ever sense then Ive been restricted from opening up any other bank account. I called Bank of America recently but it was no help. I really need this to be taken care of because I need to be able to have a real bank account. I cant wait 5+ years for it to be taken off.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My loan servicing company was XXXX but apparently they are being sued and sent me over to a new servicing company ; Loan Care XXXX. I always pay online so when I received my first bill from the new company I tried to use their website. It was not set up yet so I went to my personal checking Account and paid thru bill pay. The money was sent to the wrong po box but the same company and city, City of XXXX, CA. 
When I found out it was the wrong company I contact the phone number ( XXXX ) of the company provided by my bank. They said that the other loan servicing company would know what to do and to contact them to get my money transferred over. 
When I call the correct loan servicing company they acted like they did not know the other loan servicing company existed and did not know what to do. I kept pressing them and they sent me to a department that told me to send my proof of payment that I made and I would receive a confirmation that they received my request and it would take 7 to 10 days. That was XX/XX/2019. I call today XX/XX/2019 to see how it was coming along and if they had my money. The woman looked it up and said, " OK, We are processing your request and it will take 7 days ''. This woman said that I should have called back after I sent the request in. I was not told that. I was told that I would receive a acknowledgement that they received my request and it would be processed in 7 to 10 days. The acknowledgement email said nothing about calling to activate my request. I feel like I am being jerked around. 
Now on the message that I listen to on the phone when I call them the recorded message says to make sure that the money is sent to the correct address so they must be having this same problem with other mortgagees. 
I need to get my money back from the other company and so I can send it to the correct company.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$470.00}

Company response to consumer: Closed with non-monetary relief