vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
This company contacted me regarding an alleged debt that I do know owe. In the letter it states that I can not be sued for this debt because of the age. Therefore I demand that this company cease and desist contacting me regarding debt I do not owe and is not collectible and to not then sell this alleged debt to another company..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA

Complaint narrative:
My complaint is with Global Client Solutions , LLC and XXXX XXXX XXXX XXXX, XXXX. I am from Georgia and Global Client Solutions has withdrawn over {$20000.00} out of my checking account and have helped pay large upfront fees to XXXX XXXX XXXX XXXX. 
1. Global Client Solutions , LLC is not registered in the state of Georgia. 

2. XXXX XXXX XXXX XXXX changed their name from a LLC to a PLLC in 2015, but did not notify the state of GA if the change which is illegal. 
Both companies have scammed me out of my money. 
Look under their names XXXX is out of Michigan Global is out of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have a consumer credit card that was included in bankruptcy from Bank of America. This data is now being reported past the statute of limitations, and needs to be removed immediately. 

I do not have the account number ; however, my SSN is XXXX and my DOB is XX/XX/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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint mortgage servicing filed a NOD on our home after receiving good funds in the amount of {$39000.00} and mailed our check back to us dated XX/XX/2019. 4 days later they filed a notice of default on our home. My wife and I were charged 28,000 apox. in fees which we paid them. We saved our home and paid them off in full. I was doing the math and we paid numerous fees and impounds which we did not receive back. I was told today per a rep that no money will be coming back to us. The reason why our loan went late is that I was diagnosed with XXXX and was quite ill at the end of last year. I tried everything to correct the problem with shellpoint and they were no help, just wanted out home since we have so much equity. I am attaching the check and letter from shellpoint. This is straight predatory lending under the definition set-fore from our government. I'm sure they do this with any that has medical or other financial problems that arise.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report these are not my items reporting.

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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
When I first bought my home in XXXX of 2018 my closing document stated that for years 1-10 my monthly payment should be ~ {$3800.00} and for years 10-30 monthly payment will be ~ {$3200.00}. 

However, Loancare insisted I pay $ XXXX monthly from the start. They effectively created a shortage in my escrow account due to this error on their own end ( see attachments ). This past summer they conducted an escrow analysis, realized the mistake, and raised my monthly payment to {$3800.00} but realized shortly after that there was a much bigger deficit in the escrow and raised my monthly amount to {$4400.00} which caused me to miss my XXXX and XXXX payment. Then they reported me to the credit bureau for missed payment and transferred my loan to XXXX in XXXX. 

I have been on the phone with Loancare multiple times in the last three months, begging, pleading, reasoning to have this matter resolved but they basically told me it is no longer their problem as my loan does not belong to them anymore. 

I am attaching my closing document here which will show the amount agreed upon and statements from Loancare showing that they were negligent in charging me the amount in the closing document. From my understanding the closing document is a binding contract and the loan servicer should have been charging me the proper amount ( ~ {$3800.00} ) from the beginning to avoid any deficits and surges in monthly payments. 

I am aware that tax implications change from year to year but this home is not a new build and there should not be a fluctuation of this much in monthly payment. I am also aware that there is a PMI on my loan. I am not sure whether Loancare neglected to charge PMI or the full tax amount but the deficit in my escrow was caused by THEM as they failed to follow the amount noted on the closing documents. 

I know XXXX XXXX is not at fault whatsoever and the neglect is reflective of only Loancare but I am requesting that this matter be investigated further - I do not want to lose my home or be forced to modify my loan or go on a predatory re-payment plan due to the gross negligence by Loancare. 

Please, please, look into this matter in detail and feel free to call or email me as needed, as many times in needed. My phone number is XXXX. 

I am attaching documents here for review and proof of the situation. I would like to bring attention to the file " Signed Closing Disclosure '' - in the middle of the first page you will see where the break down is for the first 10 years and the last 20 years and the amount that should have been charged by Loancare.

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 2020-03-02 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Statebridge Company
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an alert message from all three credit reporting Bureaus ; XXXX, XXXX  and XXXX that my credit scores has decreased by 120 points  as a result of an adversely Negative report on my credit files by Statebridge Company ( company ), a debt collection and Mortgage Servicer. When I checked the report from this company, it reported on XX/XX/XXXX that I am delinquent by 180 days on a mortgage Loan I received from them on XX/XX/XXXX. 
This information on my credit files reported by this Company is false and inaccurate and has to be removed. I did not receive or apply for any loan from this company in XX/XX/XXXX ; I do not have any signed monthly payment plan with them and did not borrow {$50000.00} dollars from this company. 
I received a letter from this company on XX/XX/XXXX and XX/XX/XXXX that they are the new servicer of a {$48000.00} debt they bought from XXXX XXXX XXXX , XXXX, on XX/XX/XXXX. 
I reached out to Statebridge Company on XXXX XXXX with a dispute letter and informed them that I DO NOT OWE THIS DEBT. This debt was disputed and the previous servicer and debt collector namely XXXX XXXX XXXX who sold the debt to them was unable to collect any money from me regarding the debt. This debt was disputed and was written off by the original lender XXXX XXXX  in XX/XX/XXXX and they stopped reporting this debt on my credit report. 
This Loan servicer and debt collectors threatened to foreclose on my primary residence and sent a foreclosure appraiser to appraise my house for sale and I have a copy of the appraisal they sent me.They also told me they have a lien on my property. 
I was in the process of refinancing my Mortgage since XX/XX/XXXX and was at the final stages at the Title Company. The Title Company noticed that a lien was placed on my house. They reached out to them to find out what interest they have on my house and wanted to work with them to remove the Lien and requested for a settlement offer if any to enable them to finalize the refinance by XX/XX/XXXX. 
On XX/XX/XXXX when we were getting ready to go and sign the closing documents, the Lender informed me that my final credit report check before closing had dropped below 600 points and was unable to proceed with my Loan, and therefore, the refinance was cancelled. 
I reached out to Statebridge by phone and mail to remove the inaccurate report from my credit files, but they refused.This adversely Negative credit report by Statebridge Company has affected me tremendously, and they need to remove this report from my credit files and stop reporting on my credit report. It has harmed my Business by a Loan denial from XXXX XXXX  on XX/XX/XXXX and this inaccurate reporting will prevent me from Refinancing my Mortgage to have needed funds to repair my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back in XXXX of 2019 I received a call saying I was late on a payment. On that call they right away asked for personal information such as social so I immediately said I didnt feel comfortable disclosing that information over the phone because i didnt know if it was a scam. They called again and they continued to say they were calling regarding a late payment for kohls. So I check online to see if I had any outstanding payments and realized it was true. So I immediately payed the full amount off and apologized that I didnt realize I had made any recent transactions. Fast forward to today Im trying to buy a home and there are remarks posted on my credit history about late payments through Kohls. I reached out to kohls and asked to kindly remove the remarks. They continued to say that they do not reach out to the credit beaurral unless there have been months of unpayment and in my case I had made my payment as soon as they reached out. So that they werent sure why the remarks were left on there but that they had no authority to remove it that they would need to file a claim to do so. I filed the claim and they sent a letter saying they can not remove that remark. Now that remark is affecting my whole credit history when I always make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. ) I tried to open up a checking account. 
Relevant : I would like an account where I do not have to keep a minimum of {$1500.00} in the account just to avoid fees. 
2. ) My application was rejected. 
3. ) The reason was unstated, but it is presumably because I use a USPO Box for my address, and I live in my vehicle. Mail is undeliverable within a Vehicle. 
4. ) I've had the exact same mailing address for many years, the same phone number for over two decades. Even when I resided in a nearby apartment building I used a PO Box because in CA rents can double overnight ; housing is very scare. People move a lot. 
5. ) This address is accepted by Social Security, XXXX, my long-term credit cards, my car insurance, Registrar of Voters, three credit reporting agencies - with 40+ years of records available - XXXX  , my paid cell phone company, all contracts ect. 
6. ) I have a very good credit rating - XXXX with XXXX. - and have never been late on a bill. I pay off all of my balances each month. 
7. ) Therefore I should not be denied the opportunity to open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Submitted by email a dispute form to card issuer Blackhawk Network ( bhn ). 

XX/XX/XXXX Received Communication Update from bhn. 

XX/XX/XXXX Received and replied to email from bhn regarding more information. 

XX/XX/XXXX Requested by email status of case. 

XX/XX/XXXX Requested by email status of case again after no response. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Called bhn dispute dept XXXX since it is over 90 days with no response. Customer service said the case is still open and I should get an email response in the next few days. 

XX/XX/XXXX Called bhn dispute dept XXXX again since no email from bhn. Customer service said again that I should get an email response in hopefully 2 days, XX/XX/XXXX To date, no response from bhn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}

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 2020-03-02 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}

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 2020-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: IL

Complaint narrative:
Midwest title loans is calling me at my place of employment I have asked them to stop calling my place of employment and they continue for late payment and calls me 3 to 5 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Over the years, Transunion has been a thorn in my side. From incorrect reporting to their refusal to remove addresses and personal information, I am a consumer at wits end with this company. 

According to the FCRA, items that were discharged in bankruptcy are supposed to be updated to a " paid, closed '' status. 

Transunion has ALL of my accounts included in bankruptcy listed as derogatory, which makes it seem like I have issues that I really do not. They are also listing accounts past the regulated 7-year period ; in fact, they have advanced the age of several accounts. 

These accounts must be removed due to age : XXXX XXXX   XXXX - XX/XX/XXXX is the correct date { XXXX XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX  XXXX - XX/XX/XXXX is the correct date Furthermore, during a phone call on XX/XX/XXXX with a representative, the following inquiries were to be removed as they do not meet the standard of permissible purpose. The companies I mailed did not respond to me. 

XXXX - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX   - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX/XXXX   - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX   - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX Finally, these addresses are not associated with me : XXXX XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX FCRA 617 outlines the remedies available to consumers should Transunion stall, fail to comply or blatantly ignore my requests. 

Remember, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Because the digital era has opened up CRAs to fraud and data breaches, I do not trust E-Oscar and therefore want physical verification ( signed contracts, proof of applications ) that inquiries and current accounts are being displayed as they should. 

This complaint is an addendum to the complaint submitted to Transunion via USPS Certified Mail, which was received on XX/XX/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 2020-03-02 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: LA

Complaint narrative:
Equifax is reporting incorrectly a ( 30 ) day late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed a payment on this account. XXXX  and XXXX  are reporting correctly. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a complaint with all 3 credit bureaus on XX/XX/XXXX ( XXXX ) regarding an incorrect missed payment to XXXX XXXX XXXX ( XXXX ). XXXX admitted to being at fault for this missed payment and later paid the charge and remidied the account on their end. XXXX  and XXXX   removed the incorrect reporting, but TransUnion is the only one that is still reporting 2 missed payments on my Credit Report, instead of just one for a late payment in XX/XX/XXXX on my XXXX credit card ( which is reflected across all 3 credit bureaus as it should be ). See attachment - Highlighted text shows the incorrect reporting by TranUnion only.

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 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI, Inc sent a letter stating I owed them {$280.00}. I sent an initial letter in XX/XX/XXXX asking for validation with my signature ; they never replied. On XX/XX/XXXX AFNI illegally placed a collection on my credit report. I sent a letter XX/XX/XXXX and requested they remove it immediately as I have never had any business or relationships with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: FL

Complaint narrative:
This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.

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