vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS ( specialize loans servicing ) Is the most monster crocks thief fraud stupid heart dead on the planet earth All of theirs invester Should be in XXXX For getting rich by taking propels home foreclose on people by fraud Today the government extended and ban banks services from foreclosure people home till XXXX And these retards send me a foreclosure notice I am being Harass and abused by SLS Creeps come here front of my property which I am living in it and taking photos

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company refuses to send me proof of the debt. They continue to send me fraud packets and letters saying they are examining the debt. I have sent multiple certified letters demanding proof of the debt because I believe this company is fraudulent. I have ven filed a police report and sent them a certified copy of it. They continue to ignore me and damage my credit with XXXX. I am literally being denied my XXXX XXXX student loan so I am forced to pause my COVID-19 research project. I am about to move into my vehicle and couch surf as a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I thrice disputed fraudulent transactions that appeared on my card back in early XX/XX/2021. The first time I called it was business as usual, they simply removed the transactions and I thought that was the end of it. Then I received a letter stating that because I physically had the chipped card there was no possible way fraud had occurred so they re-billed me. I disputed a second time only for them to come to same conclusion within just one days worth of investigating. Now that I had to dispute a third time, Im starting to think that Wells Fargo is simply out to take peoples stimulus. Or maybe Ill simply have to pay for now and then theyll catch their mistake at a later time? No, there aint no way in XXXX am I giving them an interest free loan.

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 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Loan provided was for {$3800.00}, total loan payment is close to {$12000.00}. I already paid {$4800.00}, I called the company in XXXX to discuss a pay off amount, which I was willing to do by paying an additional {$1500.00} to close the account. They refused and told me the only payoff amount is the full loan amount including the interests, which is about {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} CAVALRY PORTFOLIO SERV - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is XXXX XXXX. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
US DEPT ED is claiming that I owe them {$5700.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My direct deposit was made to my account and Bluebird has froze my account so that I can not pay any bills, take out cash advances and in addition to that, they have hundreds of my dollars on transaction holds from over a week ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: ATG Credit, LLC
State: IL

Complaint narrative:
This account ATG Credit ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. ATG Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for XXXX and XXXX XX/XX/XXXX and XXXX  shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time XXXX reports XXXX XXXX XX/XX/XXXX and XXXX  is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a loan with XXXX in XXXX to XXXX but on XXXX was affected for XXXX, and I was out of work for a month this month XXXX I didn't send my payment but I call XXXX and explain, XXXX got back to work and I start paying and I finished, but this year I'm planning to get a mortgage loan, and I know it's that XXXX report like 5 months late payments, i called XXXX and they told me that they will make the update so I opened a dispute with TransUnion, I wait and wait but they didn't send a letter or something, so I called and they said that dispute was closed with no change, but I request information like papers or something from the investigation and they said nothing that they can do, I need this account removed from my credit score asap.

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 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account XXXX XXXX ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. XXXX Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for Transunion and XXXX XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time Transunion reports XX/XX/XXXXand XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Im going through identity theft and fraud ive been victimized. I noticed there has been fraudulent activity that has been taking place since 2016, I came to knowing that there had been fraud accounts : such as treasury accounts linked to my business account. I cae to knowing this because i had asked my fiance to check my business checking account for the balance and then ... she yelled to see what she was seeing on the online banking system with prosperity bank, She had accidently clicked the treasury account tab and using the exact same log ins as my checking account for my business, had logged us into a treasury account with 3 accounts in it with large amounts of money $ XXXX, xxx, xxx.xx,. I freaked we called the customer service number and they said it must of been glitch due to the updating their system. Well i did not believe what they told me. I asked a representative at the bank i normally go to and she stated that if i did not have an account it would of never of let me log into those accounts. back and forth they denied that it existed. including fraudulent transactions, i could not report it due to it being past the the days to being able to being reimbursed. I never had a bad check, always stayed on point with my business account, after i had a contract with a company and it was over {$7.00}, xxx.xx or so the bank did not want to cash or deposit my check the next day. they actually wanted to put a 21 day hold. so i told the to close the account. going through all this conflinct with the bank i couldnt get those numbers out of my head so, i called again and this time after the account being closed a representative confirmed my theory and what i had seen. there was actually 3 accounts 2 business accounts and 1 atm direct, im still not sure what that last account is. she also mentioned that they accounts were also closed and that they balalnce was {$0.00} out. This fraud has been done to me personal and business has been affected. they also reopened my bank account fradulently supposebly do to a check that cleared in our paperwork and statements way earlier like 2 months back. then they changed it and said it was due to a cash app deposit of {$5.00} which i never did i checked my accounts and nothing.. they lied and are still lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX FACT ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
I am insured thru XXXX. In XXXX XXXX had reported 4 debts to Southern Oregon Credit Services. This was then reported to XXXX and XXXX which I had no knowledge of until last year XXXX. I became a member if XXXX XXXX and had noticed these debts on my report. I disputed all of them I believe 3 times. XXXX did remove the debt from my credit XX/XX/XXXX. XXXX however did not. I contacted Southern Oregon Credit Services and they told me they could not do anything until I speak to XXXX which I did and they also said they could not do anything and that I needed to contact my insurance. On XX/XX/XXXX I contacted XXXX and spoke to XXXX. She had informed me those debts were not owed at all by me as a matter of fact one had been paid and the others had preauthorizations. She put me on hold while she contacted XXXX. She got back on the line to let me know she had been on the line with XXXX. She told me XXXX had researched my account and had admitted they had overlooked everything. She then added XXXX to the call and XXXX informed me they had made a mistake and overlooked the authorizations and payment. She did not apologize however she did say she would contact me later that day after she speaks to Southern Oregon Credit Services. She never called me. On XX/XX/XXXX I contacted her. She informed me all debt is being removed from my credit as we speak. I asked her what kind of compensation I will be receiving considering this was their fault my credit had these negative marks for 3 years on not one but two credit bureaus. She became very rude and told me there will be no compensation and that I should be happy with the results. I then hung up on her. To this day those items still remain on my credit. The amounts are {$1000.00}, {$350.00}, {$220.00}, and {$77.00}. All are XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We were in the process of buying a studio apartment and were planning to go with our regular/trusted mortgage broker who had already pre-approved us for the loan we needed to buy this property. The builder however had Citibank mortgage as their pre-approved lender. We were asked by the builder to go with Citi as they would work easier and the approval would smoother and low-risk. 

We gave our SSN, paychecks, bank statements, W2, previous year tax document and multiple other documents - Our interest rate was also locked and at that time we gave a 5 % non-refundable deposit and removed the contingencies. We had a closing period of 60 days. 

Now, 3 weeks before closing Citibank has declined our loan application - We were communicating with them as some of the income numbers were missing in their calculations. They suddenly decided to send a notice of cancellation which has left me with the risk of losing the deposit money, I have already sold several items from my departure property. 

I would have gone with my preferred lender if I was lead to believe by both Citibank and my builder that I had to go with them.

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