vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
In XXXX of XXXX I became aware that I was the victim of identity theft. I received an alert from XXXX that my credit score went significantly down. Around this time, I received two collection notices in the mail from National Credit Systems Inc. One was for an unpaid apartment rental in Michigan ( XXXX XXXX XXXX ) for {$4900.00} and the other was for a related security deposit company, Sure Deposit, for {$750.00}. After looking into it, I found out that someone had been renting an apartment using my personal information including name, date of birth, and social security number. Both of these collections appeared on my credit report. I later found out that my personal information was compromised as a result of the XXXX XXXX Data Breach. 

I originally tried twice to dispute the collections through XXXX and their fraud department, and each dispute was denied. I then placed a fraud alert on my credit. I have also frozen all of my credit profiles through XXXX, XXXX, and XXXX XXXX. I then filed an identity theft report with the FTC. The FTC provided me with a list of steps I needed to then take which I completed, including filing a police report. 

I filed the police report in XXXX of XXXX when I was told by National Credit Systems Inc. that I needed one. Also in XXXX I submitted the following documents to National Credit Systems Inc : my police report, FTC report, two years worth of leases proving my actual residency ( not in Michigan ), a picture of my drivers license, an affidavit packet and a Notice to Furnishers of Information. I followed up by calling them in XXXX and they said that they investigated the situation but my dispute was once again denied because my information matched the information that the false renter had provided on her rental application. I have contacted the collection agency and the apartment complex multiple times and neither have provided me with any options on how to move forward and resolve the issue. A few weeks ago, I gathered all my documentation and then mailed them to both XXXX and XXXX in order for them to reach out to National Credit Systems Inc. to resolve the issue and remove the collections from my credit report. This included a cover letter, police report, updated FTC report, copy of my drivers license, copies of the collection notices, and a copy of 605B of the Fair Credit Reporting Act. I recently received my dispute results from XXXX, and it has been denied once again, even though I have provided the proper documentation multiple times to both the credit bureaus and the collection agency. National Credit Systems Inc. has been very uncooperative in resolving this issue and I am requesting your assistance in helping to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the 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 2021-02-11 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
New Res-Shellpoint MTG has repeatedly during the servicing of my account misallocated payments. I filed a complaint with the South Carolina Attorney General that explains and documents my ordeal/nightmare with this company lack of professionalism. Please see the included pdf attachment. After paying of this account XXXX XX/XX/2020 I noticed on my credit bureau reports New Res-Shellpoint MTG classified my Mortgage Loan as a Home Equity Loan which was inaccurate. Upon attempting to have them change the classification to the correct one Mortgage Loan they changed my XXXX payment to 30 days late which is inaccurate. My problem with New Res-Shellpoint MTG has been documented via email complaints see they acquired my loan from XXXX XXXX. I truly believe I'm not the first and I won't be the last person dealing with this New Res-Shellpoint MTG company that has displayed in my humble opinion true deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I recently disputed a medical account with AR resources inc to validate an account ( XXXX2020 ) that I have with them and they sent me my medical bill and that is A HIPPA VIOLATION. I did not sign a HIPPA form authorizing this collection agency to access my medical records they are violating HIPPA policies and violating my privacy as well. I will send proof of the letter I sent and what I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
I used to Xoom to transfer money from my XXXX XXXXXXXX account to my XXXX XXXX account on XX/XX/XXXX XXXX GMT - In XXXX minutes time it will be the XXXX XXXX and I have still not received my funds ( XXXX GBP ) it says " on track '' and still being transfered to " our partner '' - My transaction ID is XXXX - What makes this even worse is after doing research everyone is having the same problem using XXXX and this was happening before I even signed up! Yet they still took my payment and did not make anyone aware of problems until yesterday ( systems were being upgraded ) This is totally unacceptable and my transfer should never have been accepted during a period when no transfers are being completed. 4 Days is a ridiculous timeframe to wait for an " instant transfer '' Please sort this out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
I received a letter regarding a medical debt in the amount of {$1000.00} from a collection agency. This was after I discovered the debt on my credit report. When I contacted the agency to dispute the debt, they informed me that I had three options. Prove the debt was wrong, pay the total amount due, or arrange a payment plan. When I asked for information regarding who the debt was for, I was only provided with name of a generic ambulance company. This ambulance company doesn't seem to exist, or doesn't operate under the name provided, so I asked for additional information and was told they don't provide that information over the phone, nor take requests for such information over the phone. I sent a letter requesting full disclosure of this debt that went unanswered, or acknowledged. I sent a follow up letter formally disputing the debt and it too went unanswered, or even acknowledged. 
Every attempt to address this situation ends with the same result. They demand payment without providing me the opportunity to properly assess this debt, or dispute its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Re : Bank of America XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/XXXX, I notified BofA that I have not received statements for my credit card purchases for 2 months. On XX/XX/XXXX I received the bill for the period XX/XX/XXXX XX/XX/XXXX, with a due date of XX/XX/XXXX. I paid the new balance of {$640.00}, which is payment in full for this period. 

Now it is a month later, and I have still not received any statements for any period beyond XX/XX/XXXX. Now on XX/XX/XXXX I am writing a third letter requesting timely transmittals of the statement for this credit card account. I can not make payments on time if I do not receive statements.

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 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on Transunion and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, LoanCare. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.

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 2021-02-11 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: SIMMONS FIRST NATIONAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, XXXX XXXX, and Simmons Bank. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Simmons Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Discover Financial, and XXXX XXXX. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had XXXX Fraud on my checking account with Citi Bank by some one who claimed to be with the fraud department on XX/XX/XXXX. When I realized it was fraud it was too late. The person on the phone who already had my log in information, just needed me to confirm made 9 separate transaction back to back for a total of {$1400.00}. I filed a claim with Citi Bank the minute I realized it was fraud. Citi Bank said to wait 10 days, while this was being investigated to be denied. I re-opened the claim again on XX/XX/XXXX to be denied again. No phone calls have been made to me, no letters with any explanation as to why. It has been me who has called several times to follow up and obtain status. I have re-opened the claim again for the third time after I called for status and was told it was denied, again. Today is XX/XX/XXXX and for the third time have re-opened the claim. 
Citi Bank is a sink hole, you can call and call and get nowhere, but a run around. No one has answers. You just have to follow their procedures that gets you no results.

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 2021-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
On or about XX/XX/2020, a representative from XXXX XXXX contacted me by phone and said they were following up with me on a request I made to my mortgage company to lower my monthly payments and assist with the loan modification I had requested with my mortgage company First Continental Mortgage on or about XXXX or XX/XX/2020. They said they could help me lower my interest payments and monthly mortgage payments. 

I sent them all the financial items listed in their email and formally requested assistance with loan modification or refinancing. They stated that I had to pay 3 consecutive payments of {$22000.00} per month using 3 separated post dated checks. I wrote them 3 checks for XXXX, XXXX, and XX/XX/2020. In XXXX I was contacted by First Continental Mortgage stating I had not made any payments and my escrow was now behind. I sent them proof of the 3 payments and my bank statements to show what and when I had made the 3 payments. First Continental stated they never received them and I now owe {$1700.00} in escrow due immediately. I paid the {$1700.00} the next day to cover my escrow. First Continental confirmed they received that payment. 

I told them about XXXX XXXX and they suspected fraud. I began making payments to First Continental again in the amount of {$2800.00} payable by cashiers check, I made 5 payments totaling {$14000.00} to First Continental. I also requested a forbearance or loan modification with First Continental on our about XX/XX/2020. I submitted all the financial documents and now they wanted payments of {$2900.00} mo. I said wait, I can't afford the payments I have now and I've asked for a loan modification to lower my payments, why are the payments increasing? 

Then I received a letter returning XXXX of my cashier 's checks that I sent to First Contenintal Mortgage. They are no longer accepting any payments from me and I can't get anyone to respond to emails or phone messages. When you call each call lasts a minimum of 45 minutes and then it disconnects. No response. 

I am the sole XXXX  of my XXXX year old elderly mother and I help my son take care of my XXXX year old grand daughter. This is our only home and I'm scared we are going to be foreclosed on due to fraud or foul play. 

All we are asking is for assistance to refinance the mortgage to lower the payments to a total {$2000.00} including escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I'm a XXXX  % XXXX Veteran in Florida. I received an Escrow Analysis from Lakeview Loan Servicing , LLC stating an increase of my monthly Escrow payment amount, increasing from {$260.00} to {$330.00}. On XXXX I submitted my Florida Homestead Exemption Approval Letter to Lakeview Loan Servicing. I spoke to a customer service representative on XXXX who told me to call once a week to check the status of removing taxes from my Escrow Account. I called every week. On XXXX another Escrow Analysis was completed but the required Escrow payment was now {$370.00} after removing taxes and which is more than the initial Escrow Analysis conducted on XXXX that included perspective 2021 taxes. On XXXX I spoke to a rep. that told me Im suppose to have a minimum of {$1000.00} Escrow balance and couldn't explain to me why. I told her I'd never heard of that and noone from Lakeview Loan Servicing has ever contacted me nor informed me in any way about that requirement. The rep. transferred me and I finally spoke to a supervisor XXXX who tried to assist me but still gave me the run around and could not explain why Lakeview Loan Servicing is asking for an additional {$1300.00} annually when my land tax was reduced and all of my property taxes were removed. After going round and round I got tired and just sarcastically told her I understood but I didn't understand. I just didn't want to keep going in circles. If my initial Escrow Analysis conducted on XXXX suggested an Escrow payment increase from {$260.00} to {$330.00} based on perspective XX/XX/XXXXtaxes, and now I'm approved for Homestead Tax Exemption, my property taxes are removed, my land tax has been reduced, my CDD/Waste management fees are the same and my Homeowners insurance increased by only {$15.00} a month, what is Lakeview Loan Servicing justification for an extra {$1300.00} annually? Making my Escrow payment without property taxes higher than the initial Escrow payment that included property taxes and higher land tax? My original loan was with XXXX XXXX XXXX. I was unvoluntarily transferred to Lakeview Loan Servicing and NOONE reached out to me to discuss my account in whole. NOONE reached out to me to discuss either Escrow Analysis that where conducted XXXX and XXXX. The only people I got to talk to were customer service reps that only read notes and gave me the run around. This company Lakeview Loan Servicing didn't allow me to talk to the people who are doing the Escrow Analysis and increasing my Escrow which I consider an unfair business practice. I didn't ask this company for a loan, my loan was transferred to them, therefore I should have been contacted during the Escrow Analysis.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Hi, XXXX, the stock broker conned me by limiting trades on hot stocks, they now have placed a hold on my account. They are not allowing me to do anything because they set up my account incorrectly. 

I've asked Capital One over and over to reverse the ACH transaction of {$4000.00} on XX/XX/2021. I have the right to dispute a transaction when the company does not perform the promised services. 

I've contacted there customer service, I've been transferred to about 5 departments, and give 2-3 fax numbers. However they did not tell me what to fax. So I took a form that my other bank used when I disputed an ACH transaction, that after Docusigned, they put it back in my account. 

I've attached the form that I've faxed to all fax numbers given.

Company response to consumer: Closed with explanation