vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
NUMEROUS VIOLATIONS OF REGULATION Z DOCUMENTED ADMITTED ... NEVER CORRECTED AS REQUIRED UNDER REGULATION Z XXXX XXXX, NATIONSTAR, XXXX XXXX, XXXX XXXX .... SEE ATTACHED FROM XXXX XXXX CIVIL CASE 2019 CA XXXX .... THE STATE OF FLORIDA TOOK IT SERIOUSLY ... LAST CHANCE FOR THESE DEFENDANTS TO COMPLY VOLUNTARILY ... SUMMARY JUDGEMENT HEARING ALREADY REQUESTED ... .THIS IS ONLY PART OF THE EVIDENCE WE COLLECTED ... THERSE DEFENDANTS WERE VERY BRAZEN IN THEIR DISREGARD OF THE TILA.. THEY THOUGHT DECEPTION MADE THEM IMMUNE ... IT WAS JUST THE OPPOSITE ... THE EXTENDED FRAUD EXTENDED THE STATUTE OF LIMITATIONS ... THE TRUTH WOULD HAVE SET THEM FREE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have requested multiple times that that Shellpoint report my tradeline to the credit agencies. It refuses to do so based on the fact that I filed a Chapter XXXX in XX/XX/XXXX. At that time my lender was XXXX XXXXXXXX XXXX. I reaffirmed my property and continued to pay my mortgage to XXXX XXXXXXXX XXXX. In XX/XX/XXXX I filed a Chapter XXXX. My mortgage WAS NOT included in the Chapter XXXX. XXXX XXXX XXXX appeared at the hearing and did not dispute the filing of the Chapter XXXX. XXXX  XXXX XXXX then sold my loan to Shellpoint mortgage in or about XX/XX/XXXX. I continued to make my mortgage payments to Shellpoint since that time. I am now discharged from the Chapter XXXX and I have submitted to Shellpoint my final accounting from the Trustee that shows my mortgage was not a part of the filing. Shellpoint refuses to report my credit history stating that I never reaffirmed from the Chapter XXXX filing. I have been paying my mortgage to Shellpoint for five years. Shellpoint has also approved me for a loan modification in XX/XX/XXXX which I refused. As such my mortgage payment is officially reaffirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I sent a partial mortgage payment of {$800.00} electronically through my XXXX XXXX   account, that was accepted by Franklin American Mortgage Company on XX/XX/19. They still have not credited the money to my account or returned the money to me. They say that they can not locate my money because it was a partial payment. I have gotten a Proof of Payment from my bank and faxed, emailed, and sent by mail to them. They confirmed that they got the form but have stated that they need more information than that. I even spoke with XXXX XXXX and Franklin American Mortgage at the same time ( 3 way call ). Nothing was resolved. I have been given no answers. Now I am behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: MA

Complaint narrative:
First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXX I received an Transunion credit file. This credit file still shows 1 fraudulent address ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 1 fraudulent account ( # 1 XXXX # XXXX ) and 2 fraudulent contact/phone numbers ( XXXX + XXXX ) and 4 fraudulent employers ( # 1 XXXX XXXX XXXX, # 2 XXXX  XXXX, # 3 XXXX and # 4 XXXX XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX) which means Transunion is in violation of the Fair Credit Reporting Act.

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a victim of illegal collection practices from Pioneer Credit Recovery. This agency is garnishing my wages without ever trying to attempt to talk it with me. This agency went straight to my employer with false letters to demands that payments be made to them from my paycheck. I had previously submitted 2 complains in regards to this issue and today I am submitting another to report a scam as this agency refuses to speak with me about this debt and will not provide statement about payments towards the balance. The Department of education has not sent me any notification indicating that payment are being received and against the debt. Pioneer Credit Recovery is garnishing my wages without a court order. I have informed them to stop collecting in this way since they have never worked with me and they said that they will not stop the garnishment. This is in violation for the Fair debt Collection Practices Act ( FDCPA ).

As of this complaint, my employer has given Pioneer Credit Recovery {$6600.00}.

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got multiple invitations from Citi diamond card that I am part of a select group to invited to ask for a Credit limit increase with no effect on my credit score. Citi diamond kept bugging me sending multiple letters and emails encouraging me to ask for an increase. I thought well i'll do that just to stop the stream of mail. I log to computer & it auto-fills my password and takes me to Citi Costco Visa Card. I got wrong phone #. So I call tell the Agent that I am calling in about the invitation to ask for a credit card increase without a credit check. He puts me on hold then he comes back and says " okay, let 's start that, so you want to ask for an credit limit increase? '' He should have said I don't see that offer!! He runs a hard credit check and it's rejected so Citi Diamond got me hit this hard credit check because I mixed up Citi phone #, Costco Customer Service agent at Costco not paying attention at all

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I decide to see if I could increase my line of credit with Sync Bank on XX/XX/XXXX. I got denied and I didn't know why. When I received the letter from Sync stating that I was declined due to a credit score from XX/XX/XXXX. Neither my wife or I authorized a credit pull on XX/XX/XXXX. The score that was provide to us is not a correct credit score, we did have an issue with another set of credit cards that did hurt our credit but since XX/XX/XXXX all of these credit cards have been removed. My credit currently is between a 680-700. 

We tried to call but no one in the customer service department could explain why the my credit was pulled in XX/XX/XXXX and Sync decide to use a credit score that was over 30 days old to make a credit decision. Sync is violating the fair credit reporting act and several banking regulations

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX MW- original creditor name. Opened in XXXX. Paid in full. XXXX. Status is closed still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am the XXXX XXXX individual and I received a voicemail for an employee that no longer works for this company. 

The voicemail stated that they are XXXX XXXX " mailing legal documents '' regarding " employee 's name '' then referred to the employee as " she '' when they are a male. They then stated to call XXXX with a specific reference # for additional information. 

I XXXX  this phone number and dozens of complaints are listed with identical stories, people are being told that they will be served with legal documents and to call for more information. This company comes up as Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: KY

Complaint narrative:
Set up an payment agreement to pay and remove off of my credit report. Opened in XX/XX/XXXX closed beginning of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2019 USAA FEDERAL SAVINGS BANK LET SOMEONE DEPOSIT A FRAUDULENT CHECK FOR XXXX AFTER LETTING THEM CHANGE MY ONLINE INFORMATION WITHOUT MY PERMISSION NOW THEY HAVE TAKEN XXXX OF MY MONEY AND WANTS ME TO PAY ANOTHER XXXX DOLLARS TO COVER THEIR MISTAKE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: CA

Complaint narrative:
the following account are not mine, ( XXXX XXXX AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with equifax many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e equifax as well. 
thank you for your help and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster & Garbus LLP has garnished my wages as the acting attorney for XXXX. I spoke with XXXX and they have no record of my name, phone number or social security number. Futhermore they have an old address on the paperwork so there was never any indication I was getting garnished by these people. I have attempted to call them to resolve but they will not answer my calls. I looked them up online and came across this article. XXXX XXXX XXXXXXXX I would like to file a complaint and stop my garnishment immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
They put an item on my credit reports for an XXXX XXXX XXXX collection item. I have not had XXXX XXXX XXXX XXXX XXXX in over 20 years, and have never had their cell service. Diversified Consultants violated federal law by not contacting me before putting an item on my credit report. If they would have, I would have told them that, as my credit report states, I am the victim of ID theft. I would have told them that the XXXX XXXX XXXX account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
the following account are not mine, ( XXXX XXXX AND KIA MOTORS ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to XXXX XXXX   as well. 
thank you for your help and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
the following account are not mine, ( XXXX DSNB AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX  many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e XXXX   as well. 
thank you for your help and cooperation

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
A company by the name of XXXX XXXX XXXX was recently added onto my XXXX credit report, by their collection agency Genesis Credit Management, as a new collection account three years after they were included in my Chapter XXXX  Bankruptcy back in 2016. This same company started harassing me a few months after the filing of my bankruptcy, which I let my attorney know. He insisted that he'd contact them to stop harassment, so I know for a fact that this company is aware they were added into my bankruptcy, which also shows in my bankruptcy schedules. This has also dropped my credit score, so I'm now having to prove to XXXX these same facts. What they've done is illegal, and upon doing research on this company, I learned that they have a history of this devious behavior, and would like to file a complaint. I also plan on seeking legal counsel to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/2019 I made a payment of my account balance in full, 1 day late. I received a late charge for {$25.00}. I paid this late charge in XX/XX/2019. This was credited to my account 1 day late, so I received a statement with a {$25.00} late charge for the late charge. There was no other balance on my account. I requested removal of this fee as there was no statement balance and under 12 CFR 227.15 it is unfair to charge a late charge when the sole balance is a late charge. The company has refused this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My original servicing agent XXXX when bankrupt and ceased servicing my mortgage on XX/XX/19/ Loancare LLC ( " Loancare '' )  was the successor servicer assigned to my account. Two payments were made to Loancare XX/XX/XXXX and XX/XX/19. Loancare was promptly contacted and wanted proof of payment which they had previously acknowledged receipt of via email. They verbally agreed to refund the duplicate payment upon receipt of confirmation of payment which they had already acknowledged receipt of via email. Upon receipt of my proof of payment they allegedly will send me my refund after a three day processing time.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit reporting bureau Date of XX/XX/XXXX Company XXXX XXXX Its a car lease that was not mine. It was removed from my credit in XXXX and then put back on in XXXX. I dont know why but I have have been disputing it ever since and they will not remove it. Instead they keep updating it which keeps it on longer.

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 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Between XX/XX/2019 and XX/XX/2019 Ocwen Mortgage returned three mortgage payments to me. The dates of the payments were XXXX XX/XX/2019, XX/XX/2019, and XXXX XX/XX/2019. I had no clue the payments were not processed. I sent the funds to get my first mortgage up to date. Instead Ocwen sat on the funds for 30-60 days before returning the uncashed checks to me. Each letter returning the checks had no date on them. But each letter was postmarked between XXXX XXXX and XXXX XX/XX/2019 If Ocwen wants timely payments, why are they sitting on my payments before returning them? Now I'm further delinquent with additional fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Dispute this Erroneous information to Experian, 3 years ago and it was deleted ( XXXX XXXX XXXX account # XXXX ) but as today continues to appear on my credit report.,  please Investigate

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 2019-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In the course of repairing our credit, we filed a dispute on two items with equifax credit reporting and after about 30 days they came back and said the 2 items were correctly reported, so we mailed them the court settlement that proved that we had in fact paid 2 items. About a week later we got an email that they had the results of the proof we sent, so we click on the check status button and it ask us a bunch of questions to verify our identity, and ALL the questions that were asked did not apply and we did not have ANY of the things they said were in our file, so we got a message that said to call because they could not identify me. So I called the number and got a guy that has a bad accent and does not speak very good english, and he proceeded to ask a ton of questions to identify me, and yet after ALL THOSE questions he said he could not identify me, EVEN after I told him about the 2 court actions I sent in to get the disputes resolved, so he said he was sorry that he could not identify me and there was nothing he could do for me? Apparently they have some incorrect information, but you would think after giving him a ton of information, he would be able to help me especially after sending ME the email with a code number on it? If I was a crook and got the email with the code, would I call with the number looking for a dispute status, AFTER giving him that info, and why would i want status? It make no sense to deny me my info. There has to be a better way ESPECIALLY when it takes so many months for them to correct things. I have to refinance my house by XX/XX/XXXX this year and these reporting agencies take so long to react to repairing things that we will loose our home in XXXX. Its terribly frustrating dealing with these places, they dont care if your the real person or not, because I seriously doubt that crooks want to call and ask for information about a dispute?, even when they give my address, ssn, where i work ( im a XXXX  ), and that Ive been at the same address for more than 10 years! Extremely frustrating and unfair when a place can hold so much power over us???

Company response to consumer: Closed with explanation