vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My XXXX XXXX XXXX  XXXX XXXX # : XXXX credit card is lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I paid for deletion of my XXXX  XXXX credit card through midland credit management and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Dear Sirs : We have an FHA Mortgage through Quicken Loans. We have had this property as owner occupied since XX/XX/XXXX with a flawless payment record until Covid-19. Currently, we are under a Forbearance program since XX/XX/XXXX and approved up to XX/XX/XXXX, due to the impact of Covid-19 at our workplaces. We have continued to make partial payments every month as financially possible. Currently, we are in arrears between XXXX and XXXX. 
Unfortunately, we are not yet at the level of income as we were before Covid-19, although we continue to search for work interviews and opportunities and meanwhile would need to lower our principal and interest in order to continue with regular payments after XX/XX/XXXX. 
I contacted FHA to learn about any options available ( XXXX ) via phone call and also received information via email. 
I then contacted Quicken Loans and spoke with XXXX at their Account Resolution Dept. 
I inquired about options including the " Covid-19 Advance Loan Modification '' which must be reviewed no later than XX/XX/XXXX as stated, but XXXX was not aware of this option, that the options I was mentioning do not exist, ( even though I mentioned I was reading directly from the email received from FHA and he simply said our only options were to either accept a Standalone Partial Claim and continue to pay without change to the monthly amount or eventually face foreclosure. 
I offered to send him a copy of the information I received from FHA, but he had no interest. They claim their calls are recorded so this can be confirmed. I later spoke with XXXX from the same department and almost had the same outcome. She proceeded to request a review and I will attach copy of the option they forwarded that was a Partial Claim only. No mention of the Covid-19 ALM. that ends XX/XX/XXXX. 
We greatly appreciate any advice or resource! 

Thankfully!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I received several calls from Transworld Systems Inc recently, and like most people, I do not really answer unknown calls. XXXX  have contacted me before in the past and were not familiar with TSI. I paid a portion in XX/XX/XXXXXXXX ( when they were XXXX ) and then on the following dates, my credit report was flagged several times within the month. 

On XX/XX/XXXX they flagged my account to the credit reporting agencies. 
On XX/XX/XXXX they flagged me again. 
On XX/XX/XXXX, I paid them due to feeling threatened since they were attacking my credit of {$120.00} and on XX/XX/XXXX, they flagged my account again. 

As of yesterday, 18 days later they flagged the credit bureau again. I feel that these are bad business bullying tactics coupled with the agent telling me they would in many words attack my credit is absolutely horrible and unjust considering I made a payment last month and plan on making one this month, and work on paying this off. I still worry they will attack me in this fashion. I am a XXXX XXXX  and single mother and these bad business practices effect how I can care for my child  as I just moved to a new city ad they are eating away at my credit score which effects me finding suitable living for my XXXX. My credit score has significantly suffered a loss of 24 points in 35 days despite a payment due to them. This is damaging and I feel the no one should have to succumb to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Upon the refinancing of my existing loan in XX/XX/2021, which Fifth Third Bank was servicing, I had new payments beginning in XX/XX/2021 under the new loan terms ; Fifth Third Bank is also servicing my new debt. Included in my monthly payment is PMI in the amount of {$55.00}. After the XX/XX/2021 payment, the LTV on my loan became 79.9589 % and the loan documents allow me to request removal of it. As such, I reached out to Fifth Third Bank on XX/XX/2021 to begin the process of removing the PMI. First I was told I can't cancel PMI because Fifth Third Bank was incorrectly quoting information from my old loan ( the loan prior to the one I refinanced XX/XX/2021 ). Then once that issue got settled in mid- to-late XXXX, I was told that an appraisal will be performed at my property, at no expense to me, in order to determine the proper market value. I can't recall the exact date but it was supposed to occur in early XXXX. Shortly after that in XXXX, I was contacted by another representative of Fifth Third Bank that said I had to make another written request to have it removed and that an appraisal was no longer needed. After trying to rectify the issue over the phone with no success, I reluctantly submitted another written request on XX/XX/XXXX to have the PMI removed. Since that time I have not heard anything from Fifth Third Bank and I've already received my XXXX mortgage invoice and it still lists the PMI. So here I am today, 5 months after my initial request and there has been absolutely zero movement in the removal process. This has arguably cost my family and I about {$250.00} ( and counting ). To say that this is beyond frustrating is an understatement ( quite frankly, I just don't have the time to document, step-by-step their ineptitude ) and the customer service provided up until now has been awful. I have all the loan documents and am well versed in this field. There is no reason why this PMI shouldn't be removed and I'm so fed up at this point which is why I'm reaching out to the Consumer Financial Protection Bureau. Fortunately, I work in a field similar to the service that Fifth Third Bank provides to it clients but for those individuals without a background like me, they are extremely vulnerable and mislead by this company ; likely resulting in families paying additional monies to Fifth Third Bank due to their poor performance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXXXXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hi I paid this debt off over a year ago and they updated the balance as XXXX however they never removed the debt and they continue to report a XXXX bal debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I woke this morning to alerts from all three credit agencies that a hard inquiry card application had been placed by Capital One on my account - after calling and confirming with Capital One that it was indeed fraud, they said they would log this after XXXX days. So my credit would be affected by fraud for 90 days, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 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: MN

Complaint narrative:
My XXXX XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX credit card is lost/stolen.

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 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Commercial Collection Corporation of New York, Inc.
State: MO

Complaint narrative:
The Commercial Collection Corporation of New York notified me by mail XX/XX/XXXX, that I had an outstanding balance of {$37.00} for a XXXX XXXXXXXX  account. 

I do not have, nor have I ever had, a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Fraudulent billing sent for collection to Collection Recoveries. 
Statements attached show the balance amount of {$620.00} and not {$640.00}. 

Mr. XXXX XXXX from XXXX XXXX  office called me on XX/XX/XXXX to schedule my appointment with XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He informed me that he received the required authorization from XXXX XXXX for my visit. 

A few weeks after my visit XXXX XXXX informed me that the claim from XXXX XXXX was denied because he is out of network therefore, l requested the authorization XXXX XXXX office claim they received to schedule my doctors visit. After numerous calls they have not complied with my request. 

I filed an appeal with XXXX XXXX to help me rectify this situation for demand of payment for my office visit with XXXX XXXX on XX/XX/XXXX. Attached is the XXXX XXXX conversation log from the conference call with all parties which resulted in a hold of the collection process. 

According to XXXX XXXX they do not have a request from XXXX XXXX office requesting an authorization for my doctors visit which would have been paid if requested. 

I am therefore not liable to make this payment except for my copay of {$20.00} which I paid. 




XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 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: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Dynamic Recovery Solutions Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX UNIT, XXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on Dynamic Recovery Solutions Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Can not get a free credit from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
My name is XXXX XXXX and I used to sell on XXXX and receiving funds to PayPal, my paypal email address is XXXX PayPal closed my account 6 months ago with over $ XXXX holding from my account and I logged on my account a few days ago and found out that PayPal had transferred all my funds to themselves without any notice / email while they sent me an email earlier said I would be able to withdraw the balance in 180 days ( email attached ). 

No explanation why they took my funds out. I never wronged PayPal. Never had a negative balance. They just decided not to support my business anymore which I had no choice but to agree to as nobody would respond back to me why my account was limited. I was fine with it and moved on. Then they decided to steal the funds out of my account. It is not acceptable. 

I never caused any damage to them, or the funds would be reversed already I would require PayPal to return my money and if it doesnt come with resolution I am debating going to the media to investigate this and I will begin the process of taking PayPal to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This complaint ( # 2 ), follows my original CFPB Case filing # XXXX-XXXX.

Citi Bank continues to show a blatant disregard in adhering to the lowest level of customer service, common business practices and honoring the credit card contract. 
My original contact with Citi was " simply '' a request to reissue a new card with a new account number as my account was compromised through no fault of my own. 
A replacement card was issued, with the " same '' account number, a different expiration date and CVV #. Contacting the activation number Citi refused to activate the replacement card they just issued citing their inability to verify my identity!?

At that time it was promised a letter would be sent in 7-10 days with a confirmation code. At about the two week mark, NO letter had arrived. After filing the above CFPB complaint, the letter in question finally arrived with another 10 days passing. 
The newly minted activation letter code was denied by Citi. 

A subsequent replacement card arrived with a brand new account number, expiration date and CVV #. The Citi activation telephone number attached to the card was contacted and activation was once again refused, citing the need for another letter with another activation code by mail, allowing replacement card # 2 to be verified. Once again by day 12, no letter and history repeats. Citi 's disingenuous statements and abject systemic failure to resolve a bureaucratic mess of their own making, has resulted with Citi not granting me access to my account ( locked out ) with a never ceasing cascade of phone calls demanding payment on an account that I am denied access or information from! 

I would be happy to furnish all contacts made by me and the demeaning calls by Citi, with dates and times.

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 2021-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I recently disputed the accuracy of the late payments on this account with no response within 30 days. According to Section 623 of the Fair Credit Reporting Act, it is my right to dispute with the creditor the accuracy of this account. It is also the duty of the creditor to provide accurate records pertaining to the debt or remove the negative information if they can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern The nature of this correspondence is to dispute the two XXXX closed accounts on my Equifax credit file. i have attached a document showing that items were not reporting on my credit file but they were in fact still on my credit profile and i have attached documents proving my case showing duplicate accounts. 

I had recently on XX/XX/XXXX file a dispute in regards to the account and the Confirmation number for the Equifax dispute is # XXXX i have attached the document to this dispute and on page 5 and 6 of the dispute you will see accounts number XXXX and XXXX and it says " The disputed item is not currently reporting on the Equifax credit file '', but it is still reporting and the full account number is not displayed in file but only part of the account is shown and those numbers are XXXX and XXXX which is the same as those accounts that were supposedly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: WA

Complaint narrative:
A charge by " XXXXXXXX XXXX '' was made against my debit card and the bank correctly declined the transaction at that time. I did not make that transaction and have never had business with that merchant. They then apparently sold the fraudulent debt to a debt collection agency ( XXXX XXXX ) with filed a credit report against me. I have tried multiple times ( XX/XX/2021 and XX/XX/2021 ) to get Experian to remove the invalid record in my credit report, but they have not made any changes. I want them to remove the invalid report as they have no evidence to back up their claim.

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 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
A letter has been sent to my adress stating that I have a balance of XXXX $ due to CBE GROUP debt collection from XXXX. Me and many other people as you could see from the XXXX review have received debt collection paperwork and have been affected negatively in our credit for non realistic debt, not only being false charges but un warned affects to our credit score. It is saying I am in debt with XXXX  although I have never been in any transactions involving XXXX nor buying or selling an item. I was aware of the situation today XX/XX/2021.

Company response to consumer: Closed with explanation