vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Paid XXXX XXXX XXXX for a loan modification. He constantly called and asked for money to be sent to him through XXXX XXXX and through gift cards. XXXX XXXX claimed he worked for the underwriting department of PHH. XXXX started out by asking for XXXX to lower my mortgage payments since my husband passed away. He continued to call and insist that I purchase gift cards from XXXX and send him the payments over the phone. Enough is enough I finally call the Police and made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Associated Credit Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2020, ASSOCIATED CREDIT SE add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ASSOCIATED CREDIT SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
The mortgage servicing department ( HELOC specifically ) of Pentagon Federal Credit Union ( " PenFed '' ) has not processed payments correctly, rendering my account unusable for 3 months now. While this has been an aggravating problem, it is now negatively impacting me financially ( i.e. having to use higher cost credit card availability ). 

I have been told that PenFed went through a system conversion back in XXXX and they are " having difficulty clearing some of these transactions ''. Three months is entirely too long to fix a servicing problem that they created. In addition, their employees are obviously not trained on escalation procedures or regulatory complaints as several times I requested escalation to prevent having to go to a regulatory complaint option, to no avail.

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 2020-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$2100.00} ( dated for XX/XX/XXXX ) from Loancare LLC after calling their company to verify that this check was ours to cash. The specialist assured me it was after looking into my account. On XX/XX/XXXX, they put a stop payment on this check without notifying me of this development. On the same day that they had done so, I sold my car and had intended to use that balance to pay off the remainder of the auto loan to eliminate a monthly payment for a vehicle I no longer needed due to my company going mobile during the ongoing COVID-19 security measures. 

I had taken time off of work to do this and ended up having to place this charge on a credit card, which I did not want to do due to the accruing interest on such a large purchase. When I called my bank, they said there was a stop payment on the check. When I called Loancare LLC, they said they had no record of this stop payment and requested time to look into it. I followed up with them via email and on a phone call on XX/XX/XXXX, and I was informed that they would cut a new check. I received an email on XX/XX/XXXX assuring me that check was overnighted to my address. 

I called again on XX/XX/XXXX to get a tracking number for this check and never received a call back with this information. On XX/XX/XXXX, I emailed them for this tracking number as I still did not have the check in question. I received only a generic response email saying the issue was resolved. On XX/XX/XXXX, I emailed again to insist it was not resolved and demand the tracking number with the same generic response. 

This refund was originally due to a duplicated escrow deposit from when this loan was opened that should have gone to the original loan holder and instead was sent to us. Loancare LLC has not taken responsibility for the debts incurred as a result of this to date on XX/XX/XXXX. They have offered a deferment with the same empty reassurances shown in the course of this situation that can clearly be altered to suit the company 's goals at any given time, and I obviously have no faith in these " solutions ''.

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 2020-11-23 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: PA

Complaint narrative:
XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( XXXXx, Experian and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX Report to Experian, XXXX and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from XXXX stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.

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 2020-11-23 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
on XXXX and on XXXX I submitted a dispute on this bankruptcy that is on my credit report with the proper documentation. Both times it was sent back as accurate. it is not accurate at all. I have the docket to prove it isn't me and it still remains on my credit report.

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 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I took out a {$550.00} loan from this company. 
They are taking {$150.00} out of my account every 2 weeks. 
I recently got a new job and my payday dates are different than the dates they take the money out, I attempted to reach them to change my payment billing dates but there is no way to do so. 
This causes my account to go into overdraft every 2 weeks. They also will not let me pay the loan off early to get out of the trap. I would like the withdrawals from my account to cease immediately, in the middle of XXXX or early XXXX, I added a payment of {$200.00} and it did not decrease my principle balance and was all applied to interest with the exception of about {$50.00}. I have paid them over {$1000.00} now on a {$550.00} loan. They have made their money. I am asking for the withdrawals to be ceased immediately as they give me no way to pay down the balance and keep charging me high finance fees every 2 weeks that I am unable to afford. If they refuse to cease withdrawals, I would at least like a reduction in the payment amounts ( which has gone UP by {$27.00} as of last week. ) AND changing of my billing dates to the XXXX and end of month to coincide with my paydays. 
This company has ruined me financially for the past 3 months and I am working 2 jobs to cover this debt, I should not be on the hook for over {$300.00} per month on a {$500.00} loan with no way to pay it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account on my credit report is false. Ive contacted you with validation letters and you sent false information back. The statements you provide had an address that doesnt belongs to me. Its against the FCRA. You will be fined {$1000.00}. I will take legal action if this account is not deleted immediately.

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Recently, a collection agency name Radius Global started reporting a {$1500.00} collection account on my credit report. I have no idea what this is, nor what it could be. Prior to this account appearing on my credit report, I received no notification from the collection agency at all. No calls, letters, e-mails, or anything. Since I was never given an opportunity the address this supposed debt, prior to it being reported, the collection agency is in violation of federal collection law.

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 2020-11-23 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: NY

Complaint narrative:
Today on Monday XX/XX/23 at XXXX XXXX  I contacted Equifax to speak about fraud on my credit report, and been transferred over 5 times to the wrong department on a 12 minute call. It sounded like i was being transferred over to 2 different people back & forth which then ended in the representative ending my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: OR

Complaint narrative:
They surprised me with a closing cost immediately after a closing disclosure showing no closing costs and then they totally abandoned me and won't contact me back to say where to pay it this surprise charge to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & MacNeil, LLP
State: AZ

Complaint narrative:
A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for XXXX XXXX ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.

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 non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

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 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
My XXXX XXXX provider XXXX XXXX XXXX routinely treats me and has done so most of my life. I have one six-digit account number assigned by XXXX XXXX XXXX for all billing purposes, $ balance varies. PRO COM SERVICES OF ILLINOIS, INC XXXX, IL XXXX, is a debt collector and is listed on my credit report ( see attached ), under collections - PRO COM SERVICES OF ILLINOIS , INC shows six bogus account numbers assigned to each Original Creditor XXXX XXXX - collection account with sum total for {$710.00} Balance, dates are spread out from XX/XX/XXXX to XX/XX/XXXX. Last two collections for XX/XX/XXXX. XXXX list the same account number XXXX, first one shows {$90.00} and second one shows $ XXXX.I am told PRO COM is also a Furnisher - entity that furnishes information relating to consumers by definition 12 CODE of FEDERAL - CFR 1022.41, to one or more consumer reporting agencies for inclusion in a consumer report. Information provided as shown on my credit report lacks Accuracy and Integrity, materially misleading in evaluating my consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living and Appendix E to 12 CFR Part 1022 Concerning ACCURACY and INTEGRITY of INFORMATION Furnished to Consumer Reporting Agencies -CRA . Intentional Multiple Listings is most harmful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
During a 90 days PLUS process, ( starting XX/XX/2020 ), Rocket Mortgage continued to ask for the same information time and time again, in connection with updated Flood Insurance coverage and My XXXX  firm business activity. I provided all disclosures and found that although I have the highest credit score possible and as I am borrowing a mere 19 % of the property value, this bank does not have any desire to service XXXX individuals who are required to carry flood insurance. I fall into a fairly large subset of the U.S. economy. I believe the bank is discriminating against me and my family. making statements about underwriter 's requirements and the XXXX XXXX XXXX requirements. 

The rate promised and the fees were not even that competitive ... The bank 's staff continued to use a website-tool called a " XXXX '' rather than call or send an email to drag out the process week after week. I want this DISCRIMINATION against myself and others to be terminated. My credit score alone should have provided expedited, no fee re-financing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, and thank you for your help in advance. 
I sent a complaint XX/XX/2020 to you regarding fraudulent activity on my US Bank Reliacard. You replied to my complaint and let me know that US Bank is working on this issue as of XX/XX/2020. I still have not heard from them. ( Complaint ID XXXX ). 

I have a new issue to report. They finally released the {$4400.00} that was on my new card to me on Friday XX/XX/2020. This was Unemployment money that was building up on the card while it was on hold, pending Identity Verification. I was advised by Reliacard to take the money off the card as soon as possible, due to the high level of fraud on these cards. I immediately went to the ATM, withdrew {$500.00}. Then, went to my bank, had the bank employee transfer {$1000.00} to my checking account ( Daily Limit of {$1000.00} per transfer ). This brought the balance down to {$2.00}, XXXX. Plan to do this daily until all the money was transferred. 

On Sunday, I went to the ATM, to try and withdraw additional money. Checked the balance first, and noticed there was {$2000.00} missing, again. I tried to withdraw money, " Amount entered will exceed the daily limit ''. 
I immediately called US BankReliacard. I spoke to a Supervisor, XXXX. They will again send me fraud paperwork. She, for the first time ever, asked me for my email address. The email she had on my account was XXXX or XXXX. She didn't save it, too late to verify exactly. So, the name attached to this fraud is again XXXX XXXX, she lives in XXXX. We also have a phone number and home address, as well as her last 5 or 6 addresses. I am continuing to investigate this on my own. 

Today,, I went to my bank, and they transferred {$900.00} from my card to my personal bank account. There is actually {$1.00} on the card as of right now. 

Additionally, I have never been able to open an online account with US Bank. Apparently, this person I mentioned earlier had an account all along, using my information with her email address. I provided my email address to the Supervisor yesterday. She was stunned, and admitted to me that this is apparently how these 3 fraudulent transactions occurred. The daily limit to withdraw funds by computer is {$2000.00}. 

Thank you again for helping me. I have contacted the police, and will again file a police report. I am waiting for a call back from them. 

This fraudulent transfer of funds was at XXXX XXXX on Saturday, XX/XX/2020. It was done by computer. This information was given to me by the Supervisor at Reliacard. 

Sincerely, XXXX XXXX XXXX Sincerely, So, now she has stolen {$6000.00}. I am on my last week of unemployment, actively looking for work.

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