vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
This began in XX/XX/2021. I notified said company ( XXXX ) of my cancellation after XXXX payment within the accepted time frame to do so. Their " contact us '' format was extremely non-user-friendly and they make it very difficult to contact them. Their cancellation policies were convoluted and misleading. There may have been delayed response time on their part due to COVID-19 which brings me to my point. 1. I respectfully attempted to close my acct/cancel my membership very soon after I opened it due to financial hardship and perceived XXXX tones on the site. 2. Once canceled I did not receive any notifications from them until collection started. 2. After what I perceived as a canceled membership, I came to learn that all they did was cancel the auto-renewal for the next year. 3. The nature of my cancellation was/is extremely sensitive and unfortunately a result of our times. 4. I explained that due to COVID-19 I was no longer employed and was facing financial hardship. 5. The overwhelming nature of our world crisis has taken a tremendous toll on me. 6. I stopped using the site immediately and dissolved my profile as much as it would allow. 7. I asked for it to be completely shut down. 8. They ( XXXX ) now claim there is no record of my attempted cancellation. 9. Due to their non-user-friendly cancellation policies, I never received a confirmation until I realized they had only canceled my I-year renewal. 10. AGAIN : Due to Covid-19 I was and still am suffering extreme financial hardship and therefore canceled my membership within the acceptable time frame. 11. Even though the cancelation process started during the accepted time frame their response time was slow, apparently ( without my knowledge ) pushing me into a " too late to cancel '' time frame. 12. There " contact us '' format did not give me a confirmation of my attempted cancelation. For the record as a side note : The XXXX temperament of the organization was off-putting as well. 
Summary : I canceled my membership due to COVID-19 causing financial hardship and I did so within the acceptable time frame. Regardless of whatever their policies state I am experiencing EXTREME financial hardship. In addition, I noticed a XXXX temperament within the website that was very off-putting. Lastly, it is disappointing that XXXX does not have policies that are current with what is happening in our world right now due to a Worldwide Pandemic but nonetheless my attempts to cancel were done within the accepted time frame. I urge them to update their policies and deal with the real world. I have sought legal counsel and my lawyer is willing to work pro bono for a limited time only as an adviser. In the plainest form... I have no money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : Enclosed are copies of supporting letters, bank statements, etc. showing proof of all required payments/escrow payments made to Mr Copper, loan # XXXXXXXXXX. This loan was transferred from XXXX XXXX Mortgage to Mr Cooper beginning XX/XX/XXXX. Our bank statements prove they received bi-monthly payments in the amount of {$520.00} which equals the required monthly payment in the amount of {$1000.00}. Every payment has been made through our XXXX XXXX XXXX XXXX bank as shown on statements has been on time/not late as shown & cleared to Mr Cooper as you will find enclosed, statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They have failed to correct their discrepancies which has caused me severe XXXX  and adding insult to injury they have ruined our credit with wrongfully reporting late payments to all three credit bureaus. When the inception of this loan was transferred to them they received an escrow credit of {$380.00} which should have been posted to our escrow account which they failed to do. Instead they posted it to additional principal.. I immediately notified them on XX/XX/XXXX, XXXX XXXX # XXXXXXXXXX. When the accounting department reversed the escrow credit {$380.00} from additional principal they also reversed one of my payments of {$520.00} which they lost both payments and for the past XXXX months have not found the money and credited our account. They responded on XX/XX/XXXX stating they forwarded my inquiry to their Account Service Department to locate & apply our payments. To this day, no response, no help, nothing from them. I have made more than 40-50 plus calls to Mr Cooper for the past four months just getting the runaround. The few people that did promise to make this right, fix the errors & told me not to worry about getting reported to the credit bureau because it was their discrepancies did not come through. They told me everything would get reversed & if there were negative issues they would fix everything. The people I dealt with the most was XXXX XXXX XXXX XXXX Team ( Supervisor ), Deandria/Manager for XXXX XXXX Resolution Team, Donyea/CSR, XXXX XXXX XXXX XXXX XXXX etc XXXX Please review all enclosed documents and kindly remove the late and/or late payments on this account & also balance our mortgage/escrow account which was current at the inception of this transfer all payments to date as current & return our escrow credit you received in the amount of {$380.00} from XXXX XXXX Mortgage back to our escrow account. Please remove incorrect late reporting to all three credit bureaus asap! If you have any questions or need additional documentation, etc, please feel free to call me at XXX.XXX.XXXX ( c ). 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: OH

Complaint narrative:
In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was discharged on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX XXXX  our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.

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 non-monetary relief
Consumer complaint received 2022-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX Bank our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was discharged on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX XXXX  our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.

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 non-monetary relief
Consumer complaint received 2022-03-10 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:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to Equifax and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXX/XXXX and XX/XX/XXXX someone went into the Home Depot store in New York and New Jersey with and used a fraudulent license to make charges on my account. They did not have my credit card so they allowed them to use this license to charge on both occasions. The totals were : XX/XX/XXXX {$370.00} XX/XX/XXXX {$550.00} When I received my statement in XXXX I called immediately to alert them these were fraudulent charges. I also told them I called in a fraud alert to the credit bureau. They said they would open a claim. I still kept getting a bill so I called and they said they denied the claim. I told them how could you deny this is fraud. I had to maintain the minimum payment or I would be reported to the credit bureau. She refiled the claim again. They only removed the charges from XX/XX/XXXX. So I filed again and they denied it once again. This has been going on since XXXX they just keep giving me the run around. I still have a bill for {$520.00} and they are today they are claiming they dont know why the investigator keeps denying it. I once again have to pay the minimum or risk being reported. Can someone please help they are trying to make me responsible for fraudulent charges despite everything I have told them and I dont even live in that state. She asked for my license so they could compare. I thought this was strange because unless they made a photocopy of their license at the register how could they compare??? I also reported to them that Im XXXX someone tried to open 7 credit cards in my name and make charges. No other company allowed the charges to go through. They all removed the credit inquiries from my credit report. This is the only company that has been horrible to work with and makes their customers responsible for fraud. They also told me the Home Dept card is run by CitiBank

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am now in loan modification for XXXX month. But I dont want this because this the only bad option I had. I got help from XXXX XXXX in Illinois. And XXXX will help me next month and will pay all my debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Insight One Solutions, LLC
State: OH

Complaint narrative:
Sortis Financial Inc. has placed a bad debt on my credit report and placed a lien on our property, asking for {$51000.00}, the original loan amount was {$23000.00}, the rest is interest. I am totally unaware of Sortis Financial Inc. and any debt supposedly owed to the company. I have contacted our attorney for our XXXX XXXXXXXX documents which show that back in XXXX XXXX XXXX XXXX was added to our XXXX XXXXXXXX for the amount of {$23000.00}. I had this debt from XXXX, this debt was discharged XX/XX/XXXX. 
I note here that Sortis Financial Inc. has never contacted me about any alleged debt, if they had I would have told them they purchased a Bad Account for Collection. I can not be held at fault for Sortis Financial being ripped off by the people they purchased the debt, company name unknown. At any rate, Sortis Financial Inc. actions are unwarranted and have caused us harm affecting our home mortgage refinancing application, this very well could cause us the loss loan. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
received an email this morning stating I opened an account with BECU. I called them and they couldn't give me any information because the information they used doesn't completely match mine. They won't even tell me if they are closing the account because the information used to create it doesn't match my REAL information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC
State: ID

Complaint narrative:
To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, XXXX XXXX XXXX to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, Johnson and Mark LLC. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. 

Following my XX/XX/XXXX payment to Johnson and Mark LLC 's payment portal I received my payment confirmation from their client ( XXXX XXXX ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with Johnson and Mark LLC to determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. 

On Friday, XX/XX/XXXX I received notification from the XXXX XXXX Sheriff 's Office that Johnson and Mark LLC had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since Johnson and Mark LLC closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. 

Johnson and Mark LLC now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to XXXXTransUnion on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any 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 non-monetary relief