vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: RI

Complaint narrative:
Dear XXXX / XXXX XXXX XXXX ; Balance for {$57.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from TransUnion. 

I have listed the inquiries below : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
We were in a bankruptcy in XXXX, we paid off in XXXX, XXXX failed to pay 6 months of payments to SPS so we have tried to work with them to modify the loan for the past two years. The only modification they would offer to catch up the {$2400.00} was to double the amount of payments owed and take the amount we owed from {$18000.00} to {$34000.00}, doubling what we owe. They have held us XXXX with the preditory lending by only offering this modification ( 3 times ), in order to catch up these payments was to agree to double what we owed them. We have spoken with several of our relation ship managers who have told us to just offer them something since they wrote off this loan when it was dismissed in the Chapter XXXX. Is it legal for them to collect on a loan that they have written off to the IRS? 

We were in the process of trying to refinance and SPS told me that they wo9uold never let us out of the loan and that is what they did. Our refi was denied in underwriting due to SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 


XXXX XXXX XXXX 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 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I have a debt of {$2000.00} from XXXX XXXX XXXX  the account was given to the debt collectors on XX/XX/XXXX. I never received written notice and was not served a eviction notice due to my lease at that time was up in XXXX of XXXX and gave them 30 day notice that I would be moving out to go back to live with family due to their health condition. I was never contacted about any money owed until I was made aware from a car dealership that my credit score did not make be eligible for the vehicle I was trying to get at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
My son had XXXX XXXX treatments at XXXX XXXX XXXX in XXXX and XXXX of XXXX The XXXX visits were paid by insurance and we paid our copay. XXXX XXXX had some confusion about the claims for XXXX since we changed insurance effective XX/XX/2020. After receiving several statements from XXXX, I called XXXX XXXX XXXX to find out why the XXXX visits were not paid. I contacted XXXX on XX/XX/2020 and XX/XX/2020 and asked them to reprocess the XXXX claims and to put our account on insurance hold. 

Today we were notified that the XXXX claims were turned over to collections. 
It is irresponsible of XXXX to turn claims over for collections when they should be pursuing our health insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I was unemployed for 2 months due to COVID-19 and I requested an extension from Navy Federal Credit Union and although they advertise that there are options for relief, they did deny me. They close my credit card and kept adding {$29.00} late charges to my account which amount to XXXX XXXX now. I am current with my credit card now but my installment loan remains past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
bank of america has blocked the access to my online banking on XX/XX/2020 and they said that someone has used my card without my authorization I thn checked my credit report Since my online banking was blocked and I found a unuauthorized charge I have then sent a credit card unauthorized charges dispute letter to the XXXX office email adresses found on XXXX advocacy and a certified mail letter with return receipt to their credit card mailing adress I can provide the proof if needed They have ignored the credit card dispute for unauthorized charges and they still continued to request the payment of the fraudolent charges and using robo calls They insisted to talk over the phone but they ignored the emails I want to ease their mind once again and explaine them what internet banking means, internet means internet and not a voice phone line somwone answered by email only to request to talk over the phone, again they need a corporate psychologist then she ignored my email answers and she never answered again by email, but they insisted to contact my phone number with the bank of america robocalls now my credit report is showing a delinquent account when it's not

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. XXXX keeps telling me their system is being backed up. Experian keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try XXXX XXXX. Wasted to days and lost my interest rate quote. Feel like I am being held XXXX by 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 explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.

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 2021-01-19 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: TX

Complaint narrative:
I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit card from Synchrony Bank for XXXX XXXX and I made a purchase sometime in XXXX with no interest and promotion will end up on XX/XX/XXXX. I was on track with all my payments and unfortunately I was hospitalized due to XXXX XXXX last XX/XX/XXXX and was the main the reason why I was not able to settle my last payment on the XXXX of XXXX XXXX They were calling me when I was in the hospital and told them that I will settle everything as soon as I get discharged from hospital. I was able to come to out from the hospital last XX/XX/XXXX and I made a payment to my credit card but unfortunately I was surprised to see the remaining balance of XXXX. I called up the customer service but there was nobody capable of helping me with my concern. They just transferred my call to a XXXX but never had the chance to talk to one. I sent them several messages but first 2 replied as if they did not know what really happened why I was not able to settle my account. I sent them again a message and they replied that I need to pay the amount I stated and I find so unfair and inconsiderate. 

Despite of confusion I was able to figure out the real amount I need to settle and I already settled it and the XXXX is the amount they refer as interest of the promotion.

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
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
On Wednesday XX/XX/XXXX, at XXXX, a request for Mortgage Payoff was submitted to Discover Home Loans on my behalf. On Tuesday, XX/XX/XXXX I called Discover Home loans due to still not having a payoff for my mortgage. When speaking to the initial representative, I was told that " it takes 5 days and there is nothing we can do ''. When I asked to speak to a supervisor over this, I was transferred and placed on hold for 22 minutes. The next individual informed me that they " did not have a complaint department for HMDA or Fair Lending, and that she was not a supervisor '' I was then placed on hold again. 

The reason for the delay in payoff was because the loan has a pre-payment penalty. The pre-payment penalty is XXXX dollars, so simple math would be that you take XXXX, add the per diem interest, and the principal balance to get the payoff amount. 

I was told that this is the process, and there is no way around it, and there is no way to have the payoff done quicker. This delay is costing me additional money in per diem interest, at a substantially higher interest rate ( current rate is 4.99, new rate is 2.875 ).

I have still yet to receive the payoff, as they placed me on hold again, and then the call was dropped by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: RI

Complaint narrative:
I received a letter on XX/XX/XXXX from Credit Corp Solutions , Inc regarding my request to validate the debt. I then sent a letter on XX/XX/XXXX to Credit Corp Solutions, Inc informing that they failed to validate. I then receive another notice from Credit Corp Solutions today XX/XX/XXXX in my second dispute asking for information. At this time they continue not to validate and I am requesting this debt to be deleted per my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I previously filed a complaint against Wells Fargo Home Mortgage. In a " Company 's Interim Response '' on XX/XX/2020, Wells Fargo falsely claimed that " We've been unable to establish contact with our customer, XXXX XXXX. '' As a matter of fact, my telephone records will clearly indicate that I was able to successfully contact Wells Fargo on the following dates and times to seek assistance : XX/XX/2020 - XXXX XXXX. EST XX/XX/2020 - XXXX XXXX. EST XX/XX/2020 - XXXX XXXX EST XX/XX/2020 - XXXX XXXX. EST On each and every occasion, I was " assured '' that an email was being sent to my case manager, XXXX XXXX and that she would definitely give me a call back as soon as possible. Unfortunately, I NEVER received a return call nor any other type of communication from Ms . XXXX whatsoever.

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 2021-01-19 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: FL

Complaint narrative:
Hello, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2021-01-19 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: FL

Complaint narrative:
Hello, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. XXXX keeps telling me their system is being backed up. XXXX  keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try Trans Union. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by 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 explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. Equafax keeps telling me their system is being backed up. XXXX keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try XXXX XXXX. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by them.

Company response to consumer: Closed with explanation