vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr.Cooper has felled to report XXXX, XX/XX/XXXX MORTGAGE payments to all 3 credit bureau's.they have lied since XX/XX/XXXX since I've contacted them.they keep lying on the bankruptcy court order.reaffirmation was finally completed in XX/XX/XXXX, XXXX.cased closed in XX/XX/XXXX, XXXX.MORTGAGE payment for XX/XX/XXXX paid in full in XXXX XXXX.still CURRENT as of now.Mr.Cooper is blocking me from refinancing my MORTGAGE.Mr.Cooper is holding my mortgage in hostage.I have rights to refinance my mortgage.they are lyers and try to keep my mortgage with Mr.Cooper.this agency needs to get INVOLVED ASAP so I can refinance and get away from these crooks.they were supposed to sign the reaffirmation in XXXX of XXXX, XXXX and played with my attorney 's as if they never received my reaffirmation document's.they had them all along.they need to be SUED as soon as the government. Shut down is lifted!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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:
I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name LVNV Funding .... 

I never had an account with LVNV, I don't owe this debt. The lawsuit says I owed a company called XXXX, I never had an account with XXXX either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB wilXXXX have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to Portfolio Recovery, XXXX, XXXX, XXXX complete documentation of your Validation investigation, Portfolio Recovery A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have and account with bank of America with last four numbers ending in XXXX on my credit file which was included in the process of debt consolidation with XXXX XXXX, the company got into a settlement amount with bank of America and I made payments for 48 months on this account until the negotiated amount was paid in full, however bank of America keeps reporting this account late and past due in the amount of XXXX dollars which is incorrect, balance should be XXXX and debt paid in full for negotiated amount, when calling bank of America they acknowledge receiving payments ( including one last payment in XX/XX/2018 for XXXX ) but they are neglecting their duty of reporting this to my credit reports causing my credit score to remain low and the adverse effects of having both an incorrect status and incorrect balance, please help me to correct this mistake

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 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I signed up for automatic payments from my XXXX account. But later I stopped using that account so I called in approximately in XX/XX/XXXX to tell Navient to use another account instead for my payments and to cease using the XXXX account. This company has taken money out of the wrong account several months from XX/XX/XXXX to XX/XX/XXXX even after I repeatedly called and told them that that is no longer an account that I am using for loan payments. I have received 12 overdraft fees ( each fee is {$34.00} ) due to their failure to update my account info after I called them several times to request that it be done. They said that I have to specifically say that I want them to cancel any previous automatic payments when I call in. I believe this to be self-explanatory because if I call in to tell them to STOP deducting from that account and gave them new information, that is telling them to stop taking from an account that is not being used anymore. When I called to complain the ombudsman said they would refund my overdraft fees. However, later when the fees were not refunded I was told they would not be refunding the fees because it was not their fault. Now they have marked my credit late 30-60 days because I refuse to pay them until I have the refund. Further, I can not afford to pay the amount they are asking me to pay. They refuse to lower my payments to an affordable amount that I can pay and they will not refund the fees that they caused me plus they have ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/2015 my Mom saw an ad in the newspaper. When I got home she told me about the ad in the newspaper about helping people buy a house or something like that. We decide to check it out so we go to the office. When we got there my mom explained the situation to him about getting a house & not having enough money to afford one etc. Then he said that we can make money from rental properties. He would put these properties in my name. He would find the properties himself, collect the rents from the tenants & pay the bills. He would do all the work. I just give him 2 paystubs and show up at settlement to sign the paperwork. He would give me the money to pay the mortgages every month. Things did not work out so I wanted to sell all the properties but he did not want to. Eventually I came to my boss about this situation and the guy who I was dealing with. My boss found out that this guy was an x-criminal. He was obtaining mortgages fraudulently using inncent victims. Operating Schemes. I believe in this situation he is doing the same thing. The companies involved are - Freedom Mortgage Loan numbers are XXXX & XXXX, XXXX XXXX Loan # XXXX, XXXX ( XXXX XXXX XXXX & XXXX. ) Loan # XXXX & XXXX XXXX XXXX XXXX Account # 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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that I owe a balance of {$530.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. this trade-line is CLEARLY in violation of federal law ( s ). the guidelines afforded to me, the litigious consumer are as follows .... 

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and  Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. 

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. 
Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name XXXX XXXX .... 

I never had an account with XXXX, I don't owe this debt. The lawsuit says I owed a company called Citibank, I never had an account with Citibank either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Had a personal loan with lendmark financial. Had 3 missed payments due to the online website they have set up not working after they changed my loan number. Thought payments were being paid. Then got a later from them saying it was past due. Called lendmark to explain the issue and they are no help so ended up paying the loan off all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: NV

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, XXXX ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay servicing took over my loan XX/XX/2018 from XXXX  ever since day one i had a problem..fay servicing hold all my payments in a suspended account at the same time calling me saying i behind in payments ... XXXX told me to send XX/XX/2018 payment to them and XXXX would transfer the money to fay servicing ... .XXXX never transfered the money XXXX XXXX at fay servicing told me dont worry she will retrieve the XX/XX/XXXX payment from XXXX ... .XX/XX/XXXX fay servicing calls me saying i amXXXX behind in payments fay servicing was holding my payments in a suspended account and harassing me at the same time about the same payments i made..fay servicing told me escrow was low because my taxes went but this is a lie.then fay servicing told me i was behind in escrowXXXX dollars and have to raise my payments XXXX..The XXXX was forgiving by XXXX XXXX  during the modification negotiations and finalize in XX/XX/2018. Now XXXX and fay servicing are running a scam manipulating the amount of principal owed and fake escrow shortage i am XXXX the reason i had to modify and believe this is discrimination not to honor contract and manufacture problems to change the terms of my modification ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to XXXX XXXX, Transunion, XXXX, XXXX complete documentation of your Validation investigation, XXXX XXXX A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's

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 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I sent XXXX a validation letter for 2 accounts RE : # 1 Account # : XXXX # 2 Account # : XXXX They failed to validate both of these accounts. # 1 Account # : XXXX they failed to send valid proof for this and for # 2 Account # XXXX they never even responded but continue to report this account to my credit file even though it has been past 30 days. As well as verified the account with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Called to collect debt that was not specified nor person mentioned, only asking for information for the Penn Credit Corporation by calling XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation