vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: TX

Complaint narrative:
On XX/XX/XXXX I sent in a request to have items I believed to be fraudulent removed from my Experian credit report. All inquiries that extend from XX/XX/XXXX through XXXX Since I had not seen any activity, I contacted them to today XX/XX/XXXX and I spoke with a fraud specialist. I explained that I had not authorized these inquiries and that I would like to have them removed. He responded by saying that all the inquiries were a result of my auto finance loan that I opened. And that they were attached to my financing loan account. I explained that I contacted the finance company directly, to be approved for the loan that I currently have with them, and that it made no sense that they would have sought out other financing options with other companies if they were the ones extending me financing options. He insisted that my finance company sought out to search for financing for my auto loan which is absurd. They did not have my permission to do so, they only had permission to seek financing through their company, and to date I do not know of any financing company that would seek to get you financed with someone else. So I am filing this complaint to see if I can get this issue resolved.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper is my mortgage holder. I recently inquired about a refinance with them. 
Yesterday I went to pay my normal monthly payment. There was a {$20.00} fee added to my payment amount. After talking to 3 people and being told someone would call me ( who didnt ) I have found out it was for a pay off quote that was generated by the lender I was working with re : refi. I want that removed because not only did no one inform me of It and that there was a fee but it was never brought up i.e. I wasnt informed what it was. 
In calling Mr. Cooper I have been told that it can not be taken off. 
How can that be? 
How can they charge someone for something they never knew about or were told would be charged to them. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I noticed on XXXX XXXX that the National Credit System , Inc posted that I owe XXXX XXXX XXXX  XXXX dollars for either a utility bill or rent. I told the debt collection agency numerous times that I never lived over there but I did apply for housing apartment back in 2016 yet they denied me so therefore someone in that apartment office kept my personal information on file to use it for someone else. It seems like I am not getting any help yet people want me to pay something that I didn't actually do so to avoid this going to a courthouse, I suggest this is taken off of my credit for fraudulent because I can't even give an address nor an apartment unit for that place since I supposedly lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a debt collection letter in the mail today from XXXX. The letter shows Capital One Bank as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Back in XX/XX/2020 I submitted a complaint to Telerecovery of Louisiana, which is now name changed to Telerecovery Corporation/ Telerecovery XXXX XXXX  . stating that they are reporting on my credit report a debt I do not owe. They had XXXX XXXX XXXX respond back stating that the debt was mines and they will not update my records reflecting that I do not owe this company. They are stating I owe them {$700.00} which is not the case.

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Step 1 : What is this complaint about? accounts were opened fraudulently in my name on or about XX/XX/2020 using an email account XXXX with XXXX XXXX  and ASPIRE card Step 2 : What type of problem are you having? i can not close the accounts and the people refuse to acknowledge these accounts are pure fraud and then then demand payments and demand my filling affidavits that do not arrive in the mail on time ... why should the affidavit forms arrive on time by mail?? the US Postal Service in is in disarray Step 3 : What happened? see abover Step 4 : What company is this complaint about? XXXX  XXXX  and ASAPIRE CARD and in a way the XXXX XXXX people ( an encripted email provider based in XXXX and apparently a favorite for identity thieves Step 5 : Who are the people involved? folks in both companies discover card aspire cards and protonmail.com also people who were staying at my house for a few month s are likely involved as well as a XXXX XXXX who recommended the folks be invite in can be reached at XXXX XXXX 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 2021-03-11 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: PR

Complaint narrative:
In XX/XX/XXXX I reported to Experian that XXXX had reported incorrectly that my mortgage was foreclosed on. Experian reached out to XXXX ( Lender ) and XXXX  reported to them that the Loan was " legally paid off for less ''. However my credit report states since the dispute " resolution '' in XX/XX/XXXX that the mortgage was Foreclosed on. ( I will attach evidence of this ). 

Since XXXX I am a member of all the credit bureaus including Experian. Only until yesterday did my proof of sale ( not Foreclosure ) were accepted by Experian on the www.experian.com/upload site. 

I have invested hours upon hours to get this resolved and it is adversely affecting my ability to get new credit. I am also a member of Experian and called numerous times but they say it has to be XXXX to clean this up. I am at a loss. 

This report is specific to Experian.

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 2021-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX and XXXX XXXX have two mortgages thru Shellpoint Mortgage. On XX/XX/XXXX they suffered a total loss on their home which was insured thru XXXX XXXX. 
The contacted Shellpoint in XX/XX/XXXX and got two mortgage payoff 's, they next sent the XXXX XXXX check which was payable to both them and Shellpoint Mortgage for the 1st and 2nd mortgage. The difference between the funds from XXXX XXXX and Shellpoint the XXXX got a check and sent from XXXX XXXX XXXX. Both were received by Shellpoint, they acknowledge they received the checks but are not applying them to the 2nd. Over a month has passed and interest is accruing, soon to be 30 days behind because they have not applied the payment. Several Customer Service people, Loss Draft people and supervisors have been contacted with no help or return call. 
We need somebody to properly apply the funds sent and release us from this mortgage. They need to make the payment retroactive as they have had the payoff funds for at least 45 days. No one seems to help they just pass you around to the different departments. Also XX/XX/XXXX loss of two payments made to DITech.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NV

Complaint narrative:
XXXX  XXXX is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX  data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.

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 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Today XX/XX/21 I received a letter from Convergent, creditor XXXX XXXX, XXXX to which it says the original creditor is XXXX  to which I never even have any business or accounts with them to which I'm reading is {$6700.00}. None of this is on any of my credit reports or has it ever been. I want the following documents mailed to my home : Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

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 2021-03-11 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I paid XXXX directly. By law, they must recall the account from Convergent Outsourcing. They have no legal reason to report on my credit reports and must delete.

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: FL

Complaint narrative:
I received a debt collection letter in the mail today from Unifin. The letter shows XXXX XXXX XXXX  as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
It was not made aware to me that the original amount changed in half a XXXX and {$15.00} was written off and the amount that was left was {$1700.00} and I made a payment that went to the original amount of {$4000.00} and they are trying to have me pay the whole amount instead of the {$1700.00} to remove this from my credit report and delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi I got my statement for XXXX with the amount of {$35.00} for interest and fees.. which on XX/XX/21 I paid my full amount balance.. and now I got this statement. And I call my credit card to resolve this issue but they told me that for my account to be XXXX balance is to paid this fees.. thats a rip off for this company to charge customers for accounts that are paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I filed my taxes through XXXX and I selected the credit Karma account for direct deposit. Following the information through the website caused an address issue when I tried to set up the account. So I called credit karma customer service and was sent a direct link to setup the mailing of the card. The link also did not work saying my address was not valid and marked as vacant from the usps. When I called back to credit karma they ran me in circles and still did not resolve the issue. Now the problem I am having is due to credit karma website issues now I have federal and state tax return that is now linked to a credit karma account that they can not confirm my address the same address that is on file and up to date and my home valid address. Now I am stuck having to at the last minute see how I can go into my federal tax return with the IRS and change my direct deposit information which is now going to cause an even further delay in the processing of my tax return due to credit karma screwed up website platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, TD BANK fraudulently made a PHONE TRANSFER from one of my checking accounts that contained recently direct deposited Unemployment Benefits which are exempt from debt payment, and used these funds to pay down a negative balance deemed as a debt owed on my savings account. 
I have been attempting to resolve this issue with TD BANK since XXXX XXXX, and have had no issuance from the bank of my exempt unemployment benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I had fraud with my checking account at TD Bank , N.A . Once I realize that the " representative from the fraud dept '' was in fact a fake and the defrauder, I immediately hung up and contacted TD Bank to report the fraud. While speaking to the rep in the fraud dept at TD at approximately XXXX XXXX. - she advised me that the person who defrauded me had also done the same with another TD customer. They had this person 's name, the City and State and the bank in which the funds were transferred and consequently withdrawn from. This information was given to me by TD Bank. I was told to file a police report and to bring the report to a branch to submit to the fraud dept. My claim was denied 3 times. I was never advised by TD in writing or by telephone. I only became aware because I continued calling the fraud dept for a status. I can not understand, if TD Bank is aware of the identity of this person, the fact that this person has done it before why they continue to deny my claim. I had a {$1000.00} stolen from my account. I asked TD to review the recording of my conversation with their representative XXXX XXXX of the fraud dept to confirm that the information came from them. They have not done so. Why not, because then they would have no choice but to do what they are insured for - return my funds. It is unbelievable that TD Bank would treat a customer like the culprit instead of the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
I try to make a offer with the credit company and they did not want my offer to close the account. he just told me that I needed to make my brother pay it who is the account holder. I am not the account holder but it is on my credit report. The creditor was asking me to aggravate the account holder about it because it is his account even though it is on both of our credit it was a really uncomfortable situation that I didn't think would go that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX is the worst company I have ever seen. Their employees are constantly either lying or making things up and nothing ever gets done. They have negatively affected my account and my credit. Their incompetence and negligence continues to affect me. 

My loan was placed in forbearance while I was unemployed. I called in XXXX to end the forbearance and was told I had to call back in early XXXX when the forbearance ended. I called multiple times a week to end the forbearance. Each time I called I was told the forbearance would be removed. After every call I was assured it would be removed from my account and the note would be removed from my credit. In each case there was no follow through. The Forbearance was not removed from my account and the note was not removed from my credit. I was told in mid XXXX that i had to pay the amount due from when my account was in forbearance in order to end the forbearance. I did not want to since it was all the money I had, but i was forced to and did just that. However, the forbearance was still not removed. I Finally called in XXXX and they had the nerve to tell me I had not called and that I was re-enrolled in another forbearance. I have been calling for almost two months and yet the note is still on my credit. After calling multiple people at XXXX I finally got to the escalation department who did to try to get my account updated. This is outrageous and unacceptable. I want my records updated and yet can not seem to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I had an Mortgage with XXXX XXXX from XXXX XX/XX/XXXX and the mortgage has been transferred over to XXXX , XXXX XXXX We made our last payment on XX/XX/2021. We made our first payment with XXXX XXXX on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of 50 pts. XXXX XXXX XXXX is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of XXXX XXXX XXXX. 


I can be reached at 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 explanation
Consumer complaint received 2021-03-11 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. Suntrust claimed they never received this application. 
I started making payments on my loan in XXXX of XXXX after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with Suntrust. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a XXXX valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that Suntrust/BBT now Truist has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing Suntrust/BBT now Truist can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because Suntrust/BBT now Truist realized their old escalation process was completely ineffective and was damaging to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief