vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
This debt is originated through leasing company XXXX XXXX XXXX XXXX XXXX. They explained the debt was sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and they advised my file # associated has outsourced this debt on a repeated basis and I continue to dispute this debt. 

I take pride in paying my bills and when I go the extreme levels as I have already exhausted to validate the debt within the 30 day timeframe from the initial demand letter I received from the original creditor ( s ), I can only expect a response from the creditor of my request which brings me even closer to my complaint about Nelson & Crews Associates, who represents themselves in directly as a law firm by telling its debtors that the account is in process and when ask what do you mean in process, they violate the UDAAP big time by stumbling and making up words to give false misleading statements and creating the perception that they have process a claim for law suit. In XXXX I advised this agency that hung up in my face on repeated occasions and after several attempts provided me their address information to send a complaint to their company of their harassing tactics and file a dispute this debt. 

XXXX rates this agency as a D+ and I truly understand why. My attorney is XXXX XXXX XXXX and Im forwarding her the complaint to assist me in filing suit against this collection agency. I would like the call recording I had today XX/XX/2020 with a Ms. XXXX who works I guess for this UDAAP processing department of Nelson and Crews and Associates. She advised the call to me was a courtesy call to follow up for my attorney information. I expressed to her same thing I said in XXXX when they harassed and Mis-represented their agency, XXXX XXXX XXXX ( assignee ) and sold by original creditor XXXX XXXX XXXX XXXX. The number they were calling is a cell phone XXXX and Im incurring charges from their calls and they must have me on a predictive dialed ( TCPA violation ) based on the number of calls and voice messages they were leaving me. I request to status the account dispute and please forward the documents to validate the debt. My attorney will be in contact with this agency and will send my request for validation to XXXX. 

Copy : ACA Attorney XXXX XXXX CFPB Secretary of the State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Just received letter from LoanCare of Va. They said a payment was applied of {$650.00} to my principal in XXXX and pulled back out per my instructions. Copy of XXXX and XXXX will be faxed to CFPB in 10 minutes!! NO record of ANY {$650.00} dollar payment either way. Since XXXX of Last Year, I have tried to get LoanCare Correct their mistakes showing on their own statements, with NO success. CFPB did take actions against LoanCare in the past. LoanCares latest letter, Exactly as they did in recent complaint with CFPB, they lied to me and CFPB. Along with lying you have breach of contract, and what about the federal and state laws broken? 
Fax of documents ( LoanCare 's own monthly statements ) coming shortly after getting complaint # from CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: MD

Complaint narrative:
I submitted a complaint to Experian about inaccurate information on my credit report. I sent in documents to show my identity such as drivers license, social security card, utility bill, military id, and they said that cant confirm its me. Even sent in notarized document. Then I asked them to investigate inaccurate statues and account amounts and and late payments on my account. They came back and said Verified. When i asked to re investigate and to please send me the information they used to verify these accounts, they continuously refuse to send any information or re-investigate my accounts.

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 2020-04-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Regarding past complaint XXXX IC Systems in that complaint acknowledged they have no lawful claim of collection and stated they would cease and desist all contact and all claims of collection, as they are unable to validate any claims. IC Systems has instead opened a credit account against the complainant in an attempt to damage complainants credit for a debt which they are not owned. IC Systems has has no agreement to future services, the debt in question is past the lawful statute of limitations having claimed origination in XX/XX/2017, and IC Systems has already conceded that even during that time they had no lawful claim for collection.

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 2020-04-27 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX   XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-27 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have a complaint with PHH mortgage. I had a modification approved months after a request near the end of XXXX. I was told it would take 30 days to complete and then enter a 90 trial and then 30 days from there to have a finalized payment. 

I believe in XXXX or XXXX of XXXX I applied for a modification which was approved in XX/XX/XXXX. I made my 3 months Trial payments and then was instructed that they would finalize paperwork within 30 days for new mortgage payment. Took about 6 months for that to complete and the whole time ( about a year ) I was listed I was in default although I only was behind 2 payments when it all started. Regardless, I made each single payment since the trial payment and I was called about 6 months ago stating I was late one month. I have proof of all payments and have talked to loan experts and managers agreeing that something looked wrong on my record. Fast forward a few months and I am still in the same position, being harrassed for payments and have been charged for late payments. PHH has been the worst experience I have had. And I feel like this is going to keep going. I want my mortgage to reflect correct payments, my credit to reflect the correct information and be refunded for all the late charges. Please help. Thank you.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX,2020 {$1500.00} and XX/XX/2020 {$230.00}. I file a dispute with my bank for unknown charge not authorized by me, they gave me a provisional credit and months later they took the money out again and my account went overdraft, i have send documents to the bank to appeal the decision since i have not authorize those transaction and its been over a month and no answer from my bank.

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 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial - {$660.00} for a medical debt from when we lived in Texas. We have not lived in Texas since XX/XX/XXXX. So the account open date on this one is WAY off saying it was opened in XXXX. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I requested to be put on the COVID relief with wells fargo in case I could not make a mortgage payment during this pandemic. I have already filed another complaint against wells fargo about the way they are handling payment deferrals. I tried to make a payment today for my mortgage and was unable to make it online it said I did not have an account available to make a payment to. When I spoke to Wells Fargo they told me because I had applied for COVID relief I was no longer able to make payments online and had to either call mail in the payment or go to the bank. Their message on the phone says to make a payment online but I am unable. It is inappropriate that Wells Fargo is taking away methods of making a payment just because I applied for the COVID relief benefit. This is making it in their favor to accumulate interested and making it harder for the consumer

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I checked my credit report to see an old account from Citibank reporting. As stated when I phoned Citibank about the old account, I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, even though Ive been furloughed due to XXXX, I still made payment and settled the account for less than owed. I was told once my balance was on {$0.00} it would be deleted from my credit report.

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 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
mid west recovery system put a debt on my XXXX  alling and under XXXX XXXX XXXX for XXXX that is not my debt, lately not sure what is happenening i am getting debts on my credit report that belongs to someone else, this carelessness, people should be accuratle putting informaton on the right person file, please take this off, i am fixing my credit and want this removed the address is XXXX XXXX XXXX XXXX XXXX XXXX, missouri, XXXX XXXX  # XXXX XXXX XXXX XXXX. Please have this removed asap. They entered this debt today i try to call today and they hung up on me twice. In the pass you have help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Attention Credence Resource Management , LLC I am hereby DISPUTING your claim on behalf of XXXX XXXX XXXX. 


Your Reference # XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$340.00} Closed XXXX XXXX XXXX account Due to Lack of Service Signal and Repeated Dropped Calls I Never received your Collection Notice that XXXX XXXX XXXX claims I owe this amount {$340.00} NOTE # 1 I called your I office on XX/XX/XXXX, when first became aware of this XXXX XXXX XXXX claim when my Credit score was adversely affected. Your agent told me that XXXX XXXX XXXX had sent the claim to your office on XX/XX/XXXX and that you had sent a letter dated XX/XX/XXXX to my office address. 

I never received this letter. As you are well aware that due to the current Coronavirus Pandemic and Stay-at-Home Orders, offices and business are closed and mail has not been forwarded. Furthermore, you never contacted me on my phone or by text to inform me of this claim. 

Furthermore, under these current circumstances, you rushed in and filed a DEROGATORY reporting to the Credit Agencies on XX/XX/XXXX and then again on XX/XX/XXXX a second time, even after I had informed you on XX/XX/XXXX, that I was disputing this claim by XXXX XXXX XXXX. 

NOTE # 2 Regarding this XXXX XXXX XXXX Mobile Phone number XXXX account : 1- I opened this account on XX/XX/XXXX - have been a good customer for over 13 years. 
2- Closed account on XX/XX/XXXX DUE to lack of Signal Service and repeated Dropped Calls since I moved my residence and office to different locations. 
3- At the time I closed the account with XXXX XXXX XXXX , I was informed that there would not be any more additional charges and that I had already paid off the current balance. 
4- On XX/XX/XXXX I called XXXX XXXX XXXX as to why I received another bill and I was told by the agent that I had been auto generated. When I disputed this as to why it was NOT prorated was informed only a supervisor can correct it. I was also told that since I had been a loyal customer for over 13 years, that this should not be a problem. 
5- I was also told that if any issue remains then a supervisor would call me within 32 hours. I never received a followup call from any supervisor, to this date. Therefore, I assumed that this issue had been resolved and that I did not owe any balance due. 


I am hereby requesting that the Derogatory Reporting to the Credit Agencies be Removed. 


I Do NOT owe this amount and was NOT informed as to this XXXX XXXX XXXX claim. 

No second Notice or any phone calls and NOT even Text Messages were received by me regarding this claim. I still maintain the same Mobile Phone number I had with XXXX XXXX XXXX. 

Please inform me as to your actions regarding this urgent matter. 

XXXX XXXX Same Cell Phone # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX  is reporting to the XXXX XXXX  old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to Citibank that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since XXXX. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Between XXXX  and TransUnion as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX, XXXX and also XXXX XXXX Mortgage XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both TransUnion and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.

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 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
this company reports, withdrawals neg reporting and reports again over and over, many times agreeing to remove, only to report it again, I have sent multiple letters each time and complained here repeatedly, they remove only to report it again, most recently XX/XX/2020 I have shown them over and over that my name or signature is not on this or ever a part of this and they have agreed repeatedly removed and reported again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau - {$570.00} this is for a medical debt when we lived in the XXXX CA area. We moved to XXXX in XXXX of XXXX and this collection is dated for after that ( XX/XX/XXXX ) so I believe the date had been moved forward. I have no record of owing this. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Hello, Since XX/XX/20, I have attempted to right a wrong with PNC regarding a check I mistakenly deposited into my business checking account with them and PNC has not assisted me in recovering these funds for several days now. 

I mistakenly deposited a {$3000.00} check ( check XXXX ) into my business checking account on XX/XX/20 and this check was actually written on the SAME business checking account. I thought the check was from a different account I owned, but it was from the same account that it was written on. I realized the error but it was too late. 

{$3000.00} was withdrawn form my account to cover the check written on the SAME account, the funds came out and were never deposited back, despite the several attempts I have tried to make regarding this. Right now, I just want my {$3000.00} back into my account. I dealt with someone named XXXX XXXX from the PNC help component on the online app and she has not communicated with me in a way that would help me. I spoke with her twice. She said it would take 3 days, but it has been well in excess of 3 days. I want the {$3000.00} put back into my account as soon as possible. 

Though it is my error, PNC should have also caught this error and refunded the money, but there has been no action. Now I need a different kind of help.

Company response to consumer: Closed with explanation