vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, XXXX XXXX from Conrad Credit Corporation called me and left a voicemail on my cell phone. I sent a letter to the company that same day by fax and by mail stating that I can not get calls at work and I ask that you please stop calling me and communicate by mail only please. On XX/XX/2019 I received another voicemail from XXXX XXXX at Conrad Credit Corporation post revocation of consent to be contacted by phone and while I was at work, which actually got me into trouble. I have tried to ask this company nicely to stop, but they call anyways. I am requesting that the CFPB please investigate accordingly. No lawsuits have been filed yet, but I want them to contact my attorney ASAP to resolve this violation of The Fair Debt Collections Practices Act. 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My mortgage is now being serviced by MrCooper. I called their customer service at XXXX around XX/XX/2019 and explained the issue that their escrow analysis seemed to be too high and based on incorrect information. They gave me an email address to send documents to and I sent them the attached copy of our real estate tax bill to XXXX and included the following information in the email on XX/XX/2019. I have had no response or acknowledgement regarding my request to have my escrow analysis relooked at. 
This was the email message. 
Hi Please look at my loan # XXXX for XXXX XXXX XXXX, XXXX, MD XXXX since you increased my monthly escrow payment to {$1500.00} and noted that my taxes are over {$12000.00} when they are {$8400.00}. Attached is the most recent tax bill from my county for you to review and look at in calculating a correct escrow payment. 
Thank you I am attaching my tax bill and the escrow statement from them showing their escrow analysis which seems to be using {$12000.00} for property taxes when the property tax bill is actually {$8400.00} which I received from the county where the property is located.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANCO POPULAR DE PUERTO RICO
State: HI

Complaint narrative:
early XXXX this year, XXXX XXXX XXXX  offered a consolidation loan to its members. I responded to them. Thereafter, I received an adverse action notice from XXXX, a Division of Banco Popular de Puerto Rico. I replied to them saying I did not apply for a loan with them. 
They sent me a response which had documentation attached which I was to complete and send to them. The letter continued with " an inquiry may have been initiated by XXXX into your credit profile. '' I replied that I would contact CFPB directly about my complaint as I was not comfortable completing documentation with private information and sending to XXXX or XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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 belongs to someone else
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
ACCOUNT # XXXX Was denied check acceptance so i contact the third party reporting agency and was told had and outstanding check from XX/XX/2015 I then stated this was not mine and had to be an error company has not properly investigated this information and continues to report not only inaccurate information but outdated information that should have been deleted from report due to time limits on reporting such items in the state of California

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To whom it may concern, Reason Code : Violation I have been informing XXXX in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from XXXX in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

Transunion is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I purchased a hot tub from XXXX who just happens to be Mattress-Firm. Synchrony Bank underwrites all of Mattress-Firms credit accounts. My problem is with how Synchrony Bank processes payments. My payments was made on: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Yet Synchrony bank first email me in XXXX  saying I was late on payments. I immediately called in and talked to a very nice Customer Service  rep. who explained that Synchrony Banks statement dates/Billing cycles start on the first of each month and are due on the XXXX of each month. So the payment I may on XX/XX/XXXX which I thought was for XXXX, was written as a second payment for XXXX  and the payment made on XX/XX/XXXX which I thought was for XXXX, was written as a late payment for XXXX. Notice, there technically is no XXXX payment (because I thought the XX/XX/XXXX payment was for XXXX). So synchrony back is saying that I failed to make a payment in XXXX. Not only has Synchrony bank charged me multiple late fees (which they did reverse) but they have also reported me as making late payments to the credit burroughs harming my credit rating's. As I stated before, Synchrony bank did reverse/wave the late fees I was charged. However, Synchrony bank flat refuses to admit that I have been making payments and is standing firm that I never made a XX/XX/XXXX payment. They are demanding that I make another payment to catch my account up. What is even more annoying about this, is the fact that the payments I have been making are $XXXX  more than my monthly payment.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: UT

Complaint narrative:
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX was sent a police report and cleared the account from my name and stated they removed all information and cease collection due to identity theft. However have sent the account to collection. This account needs to be removed immediately from XXXX XXXX XXXX and all credit reporting agencies otherwise I am seeking damages for the credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
About a week ago I initiated dispute with XXXX because I wanted the account to reflect the current total balance of my USAA card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but XXXX was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my XXXX, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my XXXX  report and it hurt my credit score. I called both XXXX and Usaa several times and I can not get them to put the card back on XXXX  and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the XXXX  score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is the second time I have filed a dispute on my capital one credit card. Both disputes have been mismanaged by the bank. Each time I file a dispute, Capital one never sends out the mailing showing me the provider response nor telling me the deadline to submit information to prove my portion of the claim. This time I filed a dispute on XX/XX/XXXX against the XXXX XXXX for {$6700.00} of a {$7000.00} purchase. The amount was credited back to my account but debited once the merchant sent capital one a response. I never received that response by mail to this day although Capital one claims it was sent to me. That mailing was to also tell me the required documentation for my response. Since I didnt receive the mail, I called capital oneover the phone to get that information. I gathered all documentation and evidence as required by capital one including a second opinion from a doctor. I submitted all documentation before the deadline of XX/XX/XXXX. I called capital one on XX/XX/XXXX and confirmed that all necessary documentation was received by Capital one. I confirmed several times after for the next month with different representatives that nothing else was required. Capital One maliciously closed my dispute stating that they did not receive my documentation on XX/XX/XXXX. They are participating in bad business practices and protecting unethical and scam artist merchants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I have been attempting to resolve this matter with XXXX ( and now XXXX XXXX XXXX ) since XX/XX/2017. I disputed it several times. It was finally removed from my credit and now has been re-reported this month. I have attached ALL notes including reference # s amounts, dates, names of my attempts to fix my bill, which was not handled by XXXX. The bill accumulated over the course of 6 months, while my services were shut off ( and still were being billed monthly ). I do not owe a single dime to this company. I was overcharged on a bill. I attempted to correct it. It was not corrected over and over and, over again. Because it was not corrected, I refused to pay the charges that were not owed. I was promised correction, calls back, and never received either. I finally gave up and had no choice but to not pay the accumulated bill. I am owed reimbursed hundreds of dollars it cost me to upgrade my hotspot on my cell service for months in order for me to work from home. This is the second time I have had to upload all of these documents in dispute. If it is not handled, I will be getting an attourney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
Accredited called me today about a debt with XXXX XXXX XXXX or Emergency room ... the person calling kept switching back and forth so I don't  know which. It was for {$250.00}. I asked if they would take a settlement and he started yelling saying they don't own the debt and wouldn't take a settlement. When I advised that because it was with them that meant they purchased the debt he continued to yell and by the end of the call he said he would send it to their legal department even though I offered to pay them if we could work out a settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hello! 
On XX/XX/2018 I was shopping at the T.J.Maxx ( XXXX XXXX XXXX XXXX, IL XXXX ) and I bought a couple of items in the amount of {$280.00}. The next day I did not want one of my items and wanted to return it ( the total cost of an item was {$190.00} ) but the store declined my item because the item was missing a security tag but they were the ones who took it of when I left the store, other than that the item had all the tags and everything and I didn't even wear it. I called Synchrony Bank about 5 times and filed 2 disputes but what they told me is that different stores have different policies and that they can not do anything about it. I still have the item and I want to return it ( it has all the original tags ).

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 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had to take out loans to attend college part time from XXXX. 
I attended different colleges. XXXX XXXX XXXX College, XXXX XXXX University, XXXX University, and lastly XXXX XXXX University. 

Therefore, I had subsidized and unsubsidized loans approximately {$39000.00} in repayment. In 2009, due to a work injury, I had major XXXX XXXX and the following years I was unable to work to my full capacity just part time Throughout the process, I contacted Navient and XXXX to go into deferrements or pay reduced amounts. Yet the last 10 years despite many letters I sent to fix/refund lost processing delays, late fees and possible misapplied payments NO adjustment was made to go back and review my loans since XXXX. 

Ive tried through many phone calls, faxes and written letters and nothing was done. Now I would love to redeem their lack of follow through when students go through something this hard. 
Thanks in advance for the follow up. I sincerely hope this can be related to Student Loan Departments so they stop costing students unnessary fees. 

Thank you. 

XXXX

Company response to consumer: Closed with explanation