vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have written Equifax, called, and used their online dispute system to try to resolve issues with XXXX debt collection. The outstanding debt they were reporting was paid and I have a credit card statement to prove. This showed up on all three of my credit reports, XXXX and XXXX  both removed items as it was an illegitimate report. I have contacted Equifax several times of the past two years to have removed. The do not respond and only updated status to show I have disputed. I have not been able to provide information or proof of statemtn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Unacknowledged Qualified Written Request and Request for Information - In XX/XX/XXXX, the prior servicer ( 23 months after being the servicer ) both altered the mortgage summary in a historical document ( from a XXXX balance ) as a " correction '' pursuant to a reversed prior decision fixing a previous servicing error. ATTEMPTS TO FIX THIS : I called three times and Specialized Loan Servicing, LLC ( " SLS '' ) refuses to even enter either the Qualified Written Request or the Request for Information or acknowledge these requests even exist. I was told a supervisor would call me, but this also never happened. HISTORY : Before the change in servicer, I filed a servicing error dispute with SLS claiming they had agreed to a lien release in XXXX. FACT No. 1 : On XX/XX/XXXX, the dispute was sent to their " legal department for further research. '' See attached " SLS_XXXX XXXX. '' FACT No. 2 : On XX/XX/XXXX, the new servicer took over the loan. See attached " XXXX Corrected Notice of Servicing Transfer.pdf. '' FACT No. 3 : On XX/XX/XXXX, SLS issued a XXXX Form 1098 with a XXXX  balance left owing after deducting the amount credited for the borrower. See attached " XXXX Form XXXXXXXX. '' FACT No. 4 : On XX/XX/XXXX, SLS admitted : " the lien release described in my dispute was not in error. '' They asked the new servicer to liquidate the amount owing. See attached " SLS_XXXXXXXX. '' The new servicer refused. FACT No. 5 : On XX/XX/XXXX, SLS again verified " the lien release for the loan ending in XXXX described in my dispute was not in error. '' They again asked the new servicer to liquidate the amount owing. See attached " SLSXXXX. '' FACT No. 6 : On XX/XX/XXXX, SLS sent a generic letter changing the zero balance on their historical XXXX Form 1098. See attached " SLS_XXXX '' at pg. 3. FACT No. 7 : On XX/XX/XXXX, SLS confirmed the alteration of the historical document was based upon a change in their holding there had been a prior lien release agreement. See attached " SLS_XXXX. '' UNACKNOWLEDGED QUALIFIED WRITTEN REQUEST : On XX/XX/XXXX, I requested a copy of the documents used by SLS in changing their decision on the lien release servicing error dispute. See attached " SLSXXXX. '' UNACKNOWLEDGED REQUEST FOR INFORMATION : On XX/XX/XXXX, I attached an " XXXX  '' document wherein someone alerts ( " Organization '' ) a.k.a. XXXX ( SLS parent company ) of their altered XXXX Form 1098. There is an argument about whether it is proper to back-date the XX/XX/XXXX XX/XX/XXXXForm 1098 document to XX/XX/XXXX. XXXX states the changes to the historical document were at my ( " recipient 's '' ) request. And so, I request the information wherein I make such requests. See attached " SLSXXXX. ''

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We closed an account with Wells Fargo last year. There is no money due. No credit card balance. We have no current affiliation. However, we are continuing to get notices that the account has a XXXX  balance - I called to question this several months ago - I was told that the notice is simply to let us know that we need to download whatever information we need to - because the records were being removed from online access. I was also told that the bank records indicated that the account was indeed closed. However - we continue to received " XXXX '' dollar notices - this leads me to believe that the account does in fact remain " open '' and that someone - anyone - would then access it for whatever nefarious means they wish to pursue. Please help.

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 2021-04-07 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: M&T BANK CORPORATION
State: UT

Complaint narrative:
M & T Bank is reporting lates on my credit file for XX/XX/20, XX/XX/20, XX/XX/20. At the very beginning of Covid, my employer was significantly impacted as work had gone done severely. This meant I had a huge cut in pay and hours while they tried to resolve some things for the company. I was lucky enough to keep my job during this time but this did not go without consequences. I had been a long time customer and had never been late before and have not been late after. I ask that they please remove these late notations from my credit file as a goodwill adjustment.

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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
The mortgage company, Roundpoint ( Loan Number XXXX XXXX, has failed to pay for the insurance fire policy that they are holding escrow funds for. 

This started on XX/XX/XXXX when my insurance agent, XXXX XXXX ( XXXX ) sent the invoice for payment. 

XXXX XXXX had the wrong loan number on the invoice. This was corrected by XXXX XXXX on XX/XX/XXXX. 

Roundpoint then mailed the payment to the wrong company. 

They were informed of this on XX/XX/XXXX. 

XXXX XXXX  contacted Roundpoint on XX/XX/XXXX and they were told a check was being overnight-ed for payment. Roundpoint also acknowledged that they sent the check to the wrong agency in error. 

XXXX XXXX  and XXXX XXXX contacted Roundpoint on XX/XX/XXXX. Roundpoint was told payment was due today and they needed to wire funds. They refused to wire funds.

It has been over a month trying to get the funds that do not even belong to Roundpoint to the insurance company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
these accounts in the amount of XXXX and XXXX needs to be deleted because of they couldn't provide me with a hipaa transcript and my hippa rights was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am and have been trying to get a copy of the contract that National Credit Systems says I have, I am requesting they mail me a copy of the contract I signed with them to determine the validity of this debt on my credit report. I have not received any documentation that bears my signature to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have contacted Midland Credit Management ( who purchased/collecting the debt on behalf of XXXX ) via mail and still have not heard back from them from the letter I sent requesting written correspondence only. I would like for the company to respond to my request of settling this account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase bank in XXXX TX. Since the government start giving out stimulus checks my bank has taken it upon themselves to credit my account for money to help but it end up hurtling me and many other consumers. Because what Chase does is once your stimulus money has hit your account that give you credit if you over draw and them 30 days later they charge back that amount to your account, which puts customers right back in the hold where I was. I had {$2800.00} deposited into my account on XXXX and at that time it was over drawn {$1200.00} which was from my rent. I knew that my stimulus check would cover it and bring my account back current and I could take care of other bills. I previously asked Chase not do credit my account as they did before when I got the {$1800.00} stimulus checks and they agreed. But I checked my account today and saw that they went against my request and credited my account when it didn't need it because my stimulus check too care of the overage. Now that Ive notice what they've done its going to cause a financial hardship for me that I can afford. : ( and I really need some help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit Experian is reporting {$950.00} credit limit XXXX is reporting XX/XX/XXXX as the date of last active Experian is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and experian is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the 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 2021-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I file a dispute to the incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My son XXXX XXXX XXXX since then I have tried diligently to get this resolved get help without any help from the lender. I submitted his death certificate. I asked for help and all they would do is say since I co signed it I would be the one one to pay the full amount. They constantly offered no help no negotiations no options for me. I co signed his private student loans. They say I owe it all. I have paid diligently since then I work two jobs to keep up but no one will negotiate with me to apply for discharge of the loans or even negotiate with me about this. I am bearly making it and no one will help me. I have my own student loans n am overwhelmed with my son 's debt n mine. Everywhere I turn they all say there is nothing they will do about getting his loans discharged forgiven or even negotiated. Every time I call for help. They say there is no help. There is laws per my senator they have to follow. I have paid diligently on my son 's and my loans. Yet they still won't work w me. It's bad enough to be without my son since XXXX. But each month I send a large check to them for my son 's loans wishing he were alive to use his college education. I'd pay all the money in the world to have him back. They are a very large corporation with millions of dollars. Where is their heart in this? I'm not a slacker. I've kept up my side of this paying monthly. I hope for someone at navient to never go through what I have losing a child. But even worse having to write a check out each month for the past 13 years on your XXXX XXXX XXXX student loan. N bearly getting by to do it. Per records I have .It says with what I pay now I won't have it paid off till XXXX. That is awful. I have reached out to my senator governor and news media about this. I pray we can resolve this. My son would not want me to XXXX this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 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: MS

Complaint narrative:
I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XX/XX/XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX  Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.

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 2021-04-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX XXXX Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Credit Karma, LLC
State: KS

Complaint narrative:
I have used XXXX XX/XX/XXXX XXXX XXXX to file my federal and state income tax for several years This year, XXXX XXXX offered free services with Credit Karma for the purpose of monitoring my credit reports. I decided to sign up for an account, using my email address, XXXX. This has been my business email address since 1997, and is associated with my XX/XX/XXXX at XXXX. I attempted to set up an account using that address, but Credit Karma responded that an account was already established under that email address. I thought I had perhaps set up one previously, so I clicked on the " forgot password '' link. A reset link was sent by Credit Karma to XXXX, with the salutation on the email being " Hello XXXX. '' I have no idea who XXXX is. I tried to reset the password. Year of birth and last four digits of my social security number were required, but when I attempted to reset the password, the program replied that someone else had already established an account using my email address. I immediately contacted Credit Karma, but was told that if I wanted to create an account, I would have to use another email address. I told them that the address already in use was mine, and that I had never authorized anyone else to use it. The response was the same -- that I would have to set up a new account using a different email address. I want to make it clear that this email address belongs to me, and if someone else is using it, they have stolen my identity, and Credit Karma is complicit with this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a {$50.00} bill was taken from my wife by a teller while making a deposit at a local Wells Fargo bank. The teller claimed it was counterfeit and gave my wife a receipt for the bill. Over the past year I have initiated multiple phone conversations with the branch manager, district manager, and the Enterprise Complaints Management Office of Wells Fargo. To date, Wells Fargo has no policy that holds them accountable to their customer for taking a suspected counterfeit bill. 

We received an XX/XX/XXXX letter from Wells Fargo that explained there lack of accountability for our bill. They placed the blame on the U.S. Secret Service. This explanation is unacceptable. We have way of knowing nor proof that the bill was even given to the Secret Service. When Wells Fargo took our bill they assumed the responsibility to properly account for that bill, and to communicate and proof to us that it was in fact counterfeit. Because of Wells Fargo 's lack of accountability we have no idea what happened to that bill.

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
In XXXX I started getting calls from XXXX XXXX XXXX XXXX at least 4 times a day from early morning until late at night. They would not answer when I said hello, and they did not leave messages. I spoke into the phone and told them my number is on the National do not call registry and not to call me any longer. On XX/XX/XXXX, I screamed into the phone asking 4 the caller to identify himself. Apparently he was taken aback and muttered a name which I didn't catch. He told me the company he was calling for was Credit Management in XXXX, Texas. Once more I told him my number was on the National DNC list and I had told him previously not to call me. He said OK and hung up. I got your request via email for this information, but over the last 3 weeks your portal and password resets have not worked. The XXXX phone number has not worked either. Today someone finally answered the phone, but she was ignorant and rude and would not listen to me. This is all the information I currently have. If you need anything else, please make sure your contact parameters are working before you contact me again. I appreciate your help and want to assist you in any way I can, however, there is nothing I can do if your communications do not work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, Transworld Systems Inc. provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with Transworld Systems Inc., XXXX XXXX, Division XXXX of Transworld Systems Inc., requested a clearer copy from their client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ). 

There was no transaction or any record of transaction between myself and the client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.

Company response to consumer: Closed with explanation