vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, Midland Funding continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans Union has a derogatory account on my credit report. The account is the law office of XXXX. I disputed the account back in XXXX of XXXX and the company did not send validation that the debt belonged to me. They did not have any written contract with the original creditor, a copy showing they have the rights to collect the debt in Tennessee,. This company did not send validation of the debt and I asked that all communication cease and desist since they did not provide validation. Now here we are in XXXX and it is appearing on my TransUnion and has caused my credit score to drop significantly. I am asking that this account be removed immediately due to the balance is incorrect, inaccurate and is involved in litigation.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I sent the following letter to MyLoancare : ( Start of Letter to MyLoancare ) Hello, My loan Number : XXXX. I phoned you in early XXXX to enquire about how I should address making a lump-sum payment to be applied to my Mortgage Principal. Receiving your instructions I had a Certified Bank check for {$80000.00} drawn on my account and mailed to you, marked APPLY THIS SUM TO MY LOAN PRINCIPAL. I mailed it on XX/XX/XXXX and you received it, and my funds were withdrawn from my Bank account on XX/XX/XXXX. 

I received my XXXX Month-End Statement and saw my mortgage Principal did not reflect these $ XXXX of funds. I called you on XX/XX/XXXX and was told you must have had some processing delays, but funds were received and should be reflected on my next Statement. I received the XXXX statement and I see there is {$80000.00} shown as Unapplied Balance. I continue to make my regular payment of {$2500.00}. 


I called XXXX XX/XX/XXXX and also on XX/XX/XXXX as I believe you are using my {$80000.00} as float and not applying it to my principal. I should be entitled to at minimum. a rebate of my loan interest rate of 2.75 % for the time you have had use of my money and not applied it to my Principal. You received funds on XX/XX/XXXX, as of my Statement on XX/XX/XXXX, you still did not apply my $ XXXX to my principal. This is not right! I can supply documentation from my Bank and from your Monthly Statements to validate all that has transpired as far as transfer of funds and dates. 

You had $ XXXX for 6 weeks time without applying per my original instruction. My interest rate on loan is 2.75 %, therefore I need you credit me {$250.00} towards my principal or send me a check for that amount. ( End of letter to MyLoancare ) At MyLoancare 's advice on a call ( XX/XX/XXXX ) I sent the fore-mentioned letter and received a Ticket # XXXX, as a point of reference to making follow-up calls, and to acknowledge my issue. 
. 

Today 's date is XX/XX/XXXX and after I called again to MYLoancare, I am writing this as a complaint to CFPB. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
This is my second complaint submitted to this company since they responded but did not respond to what was requested by me, which was to validate with physical information that I was the owner of the account that they published in my credit report. They replied that there was not enough evidence and that the vehicle was replaced at the address where the account was opened. Today I sent you a correspondence via email requesting a very respectful investigation according to the federal guidelines of the fair credit law. I sent them physical evidence that validates that I am not the person responsible for this account since they requested more evidence. I am going to attach to this complaint all the documents that I sent you today where they show that I did not live at this address and even shows a false driver 's license that a person used to open another account that was already disputed and eliminated even more. I sent them a picture of my real driver 's license and sent them the florida website where they can validate which license is real and which is not. This account is doing me a lot of damage and outside says that they could validate that the account is mine but in all the letters they send me do not validate me with any document that shows that the account in mine, I have sent several documents validating that I was a victim of fraud and they are not paying attention to these documents, but today as I mentioned I sent you substantial evidence that proves what I argue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: IL

Complaint narrative:
I have attempted several times to advise the credit reporting agencies/ XXXX XXXX transunion XXXX and XXXX that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX XXXX Then with Inquiry- XXXX- XXXX Inquity -XXXX XXXX XXXX XXXX XXXX XXXX account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.

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 2021-03-16 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: NY

Complaint narrative:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. LVNV Funding, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with Equifax on XXXX regarding a late payment for XXXX in XX/XX/2019. Equifax opened an investigation XXXX. The confirmation number is XXXX. The investigation was supposed to be completed XXXX. It has been 45 days since the investigation was opened and there is still no resolution. The investigation has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CRESCO CAPITAL INC.
State: TX

Complaint narrative:
XXXX payment made on XX/XX/XXXX. Totaled XXXX XXXX on XX/XX/XXXX. Refund due afterXX/XX/XXXX paid claim. XXXX XXXX refused to refund payment after admitting.Cresco Capital made a error when submitting the total pay out on XXXX XXXX to XXXX XXXX where I had a active account. They also tried to withdraw XXXX from my account on XX/XX/XXXX after they received a check fromXX/XX/XXXXthat paid the truck off. I want my {$35.00} back because I had to pay stop payment on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was in Forbearance due to Covid19 and lack of employment. I was ready to have my mortgage taken out of forbearance and requested such from the XXXX XXXX XXXX the current loan processor of my loan with PHH Mortgage Services. I filled out an application for the mortgage modification and was provided with a Promissory Note and Partial Claim Mortgage. I completed the documentation and returned it. Unfortunately the Notary filled out my name incorrectly and I had to re-submit the documents. During this time my mortgage service was transferred to a new mortgage servicing company and of course they don't have any of the information about my forbearance or mortgage modification taking place with the other loan servicing company. So now they are telling me that I will have to re-apply for a mortgage modification and that they will be reporting all missed or late payments to my credit bureau now that my loan is no longer in forbearance because I do not have a loan modification with them, yet the other mortgage company gave me until XX/XX/XXXX to completer their documentation, which has already been completed as stated above. If that happens it will ruin my credit and show that I have 9 months of late payments. This is and FHA mortgage and I really feel like Im getting treated badly because of this mortgage servicing transfer and nobody from the previous mortgage servicer and the new mortgage servicing company can communicate with each other. I really need help with this. I have done everything I was asked to do and now they are making it very difficult for me to get out of forbearance without ruining my credit because of their poor processing system. I can not make another phone call just to be told their is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT : This is a NEW complaint regarding collection efforts as a result of violations of Regulation Z from complaint XXXX filed on XX/XX/XXXX. 
The above referenced complaint was for REGULATION Z violations. 
This complaint is for FALSE DEBT COLLECTION ATTEMPTS. It is a separate topic with a separate date of incident. 
For the foregoing reasons I am filing a new complaint to track the ongoing issues with this company. 
On XX/XX/XXXX, I filed a complaint against Huntington for failing to apply 2 months worth of mortgage payments received between XXXX and XXXX in violation of Regulation Z 's partial and periodic payment requirements. 
On XX/XX/XXXX, Huntington was notified. 
On XX/XX/XXXX, Huntington acknowledged the complaints. 
On XX/XX/XXXX, Huntington still had taken no action to correct the payments although they received two complaints and called but left no voicemail on XX/XX/XXXX. 
On XX/XX/XXXX at XXXX I called them to correct payments in fear my credit report would be falsely and adversely affected. 
The representative had to put in the request, which means Huntington received the time sensitive complaint regarding my payments and chose not to even note the account or place a request to apply the payments.

Then, approximately 1 hour after I called Huntington, I received a collection call from their debt collection department falsely stating I was past due ( even though I am paid two months in advance, but they refuse to apply the payments ) Huntington has had ample information and time and complaints to resolve this issue and stop this constant harassment and violations of Regulation Z but has now intentionally refused to address my issues, correct my complaints or stop the false debt collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XX/XX/XXXX - contacted mortgage company to see why county taxes were not paid since they are escrowed, sent in tax bill XX/XX/XXXX - contacted mortgage company to follow up ; taxes were already a few months late and they had to " research the issue '' so I paid the XXXX taxes out of pocket and requested a refund from escrow ; sent email with receipt were I paid taxes XX/XX/XXXX - some email correspondence but nothing has been done XX/XX/XXXX - still nothing has been done with I sent the correct parcel number over to company, requested escrow analysis and I will have close to a {$3000.00} surplus after XXXX taxes and insurance have been paid ; talked to numerous reps and they run me around in circles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at XXXX in XXXX the first call in which the woman was very XXXX  and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I spoke with a Citibank representative over the phone on Saturday XX/XX/2021, and explained that I had a check drawn off Citibank account and inquired on availability. I was told that funds we be available Tuesday Morning XXXX XXXX. I deposited the check on Saturday XX/XX/2021 and included a cash deposit. The available balance was {$340.00} which would cover any purchases. However on Tuesday XX/XX/2021 I received information that my account was overdrawn by {$160.00}. When I inquired that stated that it is their normal practice sometime to withdraw the available funds and place the entire deposit on hold again. However I was never notified of such hold and it is unclear how you can place a hold on cash. This is the 2nd time that this bank has done this to me and charged me {$34.00} for every transaction that has come through the account after they withdraw available funds. I have had consistent issue with this bank and although you have proof of their errors they still manage to charge you. I have a receipt to show proof of not only this deposit but where it shows the funds availability. This seems to be an ongoing problem with this bank with no notification provided to the consumer that they are removing available funds to place deposit on a hold.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is falsely reported that I have two delinquent accounts, which were never mine. 
One account is through XXXX XXXX XXXX XXXX XXXX is the debt collector reporting it. 
I just noticed when running my full credit report, that Experian is listing the following address as a past address for me. 
XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX I have NEVER lived in the state of Michigan. 
I have lived at the following address since XXXX of 2012. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX I tried to delete this address through Experian online dispute, they will not delete b/c they say this is linked to the delinquent account XXXX XXXX. I have NEVER lived at this address, how can I rectify that I have never had these two delinquent accounts?????? 
I can prove that I have resided at this address since XX/XX/XXXX. 
I have also tried contacting XXXX XXXX XXXX directly and they have no record of my accounts under my name and address ( XXXX XXXX XXXX XXXX, CA ) ... .so they keep telling me they can do nothing b/c they have no record of me having these accounts. 

Experian has not resolved any of these issues correctly, they have not researched into my inquiries and disputes at all. 
I have NEVER lived in Michigan ... .I should be able to delete this, thus correct the XXXX XXXX error from XXXX XXXX  XXXX XXXX this is not my address.

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 2021-03-16 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: GA

Complaint narrative:
I have been trying to lift security freeze with Equifax for five days. Equifax has online management for security freezes. That feature doesnt lift the freeze and directs me to call customer support. I then follow the instructions on the automated phone service that does not work. When I speak with an agent, they say they are having system updates. I called them on XX/XX/2021, then each day after until XX/XX/2021. Each time they say they are having system updates. He took my SSN and said he is getting an error. That is not a system update and he also said he was able to pull up another account. Why was he pulling up an account for someone he was not on a call with? I then asked the representative to speak with a manager because I feel that a 5 day update is unreasonable. The representative then places me on hold and comes back about 10 minutes later and gets more of my information to try to look me up in the system again. He got an error again. When he was unsuccessful he finally transferred me to a manager. She then told me they have several other customers with the same problem and they dont know how to fix it or when it will be fixed. They dont know what the problem is nor how to address it. I am applying for a mortgage so this is time sensitive. I do not understand how you can say you have several people with the same issue and no clue whats going on? Now myself and others are stuck in limbo until they get their system fixed. I would rather not have to deal with this company at all. They allowed hackers to obtain personal information from consumers and should be excluded from credit reporting because they have no control over their systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts US Bank account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX- XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.

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