vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding, LLC ( hereafter referred to as " LVNV '' ), filed a lawsuit against me in XX/XX/XXXX ( Case # : XXXX ) for a debt I DO NOT owe. I challenged their lawsuit and, on XX/XX/XXXX ( see Judgment of Dismissal, attached ), I prevailed when LVNV filed a Dismissal because they couldn't prove their case that the collection account was mine.. On XX/XX/XXXX, I filed a Cost of Suit ( Memorandum of Costs ) in the amount of {$240.00} ( see MoC and Proof of Service ) and on XX/XX/XXXX ( see Memorandum of Costs and proof of service ), I served their attorneys of record, XXXX XXXX XXXX , a copy of the Memorandum, but heard nothing back. I waited almost a year, until XX/XX/XXXX, for a response and when I did not receive one, I filed a [ Proposed ] Judgment of Dismissal ( see Judgment of Dismissal, attached ), the Judge signed  it, and I served them a copy ( via their attorneys of record ), and finally received a check for the amount of {$240.00} ( see XXXX XXXX XXXX XXXX and copy of check, attached ). LVNV 's filed Dismissal of the case proved that I was correct in asserting that the debt is and has NEVER BEEN mine, and they must remove reporting of it from all credit bureaus. On XX/XX/XXXX ( see Letter to LVNV with certified mail and return receipt ), I pulled my credit reports from all three major credit reporting agencies and was shocked to find that LVNV continues to report this collection account ( with balance! ) with the CRAs! I disputed this collection account with the credit bureaus that LVNV 's reporting is WRONG and must be removed under the FCRA. The 3 major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) responded that they " investigated '' with LVNV and it was -- shockingly -- verified as being accurate! On XX/XX/XXXX ( see Letter to LVNV ), I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed.

I'm at the point that I need CFPB 's help. They *will* listen to you.

Today, as LVNV continues to report this collection account illegally,  I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter via mail using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.

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 2020-09-03 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: IL

Complaint narrative:
The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I filed for chapter XXXX to clear my debt..became current last year..phh accept my plan for 3 mth trial for XXXX mth payment..so i was doin good doin my payments ..On XX/XX/XXXX i had which was suppose to b a minor XXXX truned to major jad to get a big XXXX XXXX  off my L shoulder my dominant hand side..so my recovery took lil longer..i wrote them to tell them my XX/XX/XXXX payment would b late due to that all they would say is im sorry u XXXX pay an i told them when i could pay..so i paid in XXXX for XXXX so once i got bac to work on my feet i was XXXX to pay to current then covid happened n XXXX i was still workin then n XXXX i kept getton letters from XXXX my payment been sent bac ..i sent my XXXX payment an they sent all bac wont except them they wamt the whole amount..even durim Covid time..so in XXXX i was outa work on FMLA for my XXXX an covid i jad a hard time breathing an i got nac now XX/XX/XXXX ..til this day phh mortgage wont tak a payment ..I owe bout XXXX I cant get a loan to pay it off my bac pay so now i just gota hope an pray i get some help to pay my rears off to start over..if the government dont care bout us lil people why should anyone else..all they want is $ $ $ $ we don't have during this time those who was anove us are mow living like us..welcome to lower class income. 
Thanks for listening XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card company Citicard refuses to provide a satisfactory resolution regarding my ongoing dispute with XXXX XXXX. I had 2 dispute claims with Citicard : XXXX for {$320.00}, XXXX for {$200.00}. These disputes were ongoing since XX/XX/XXXX. Both the incoming and outgoing flights were cancelled by the airline however they refused to refund my payment despite the order from transportation.gov. On XX/XX/XXXX the claim for {$200.00} was decided in the merchants favor as the final decision by Citicard. On XX/XX/XXXX the dispute of {$320.00} was closed and decided in my favor. I am still owed {$200.00} and I am shocked and disappointed with the way Citicard is handling my dispute. I have been a loyal customer for 13 years. Citicards refusal to assist me has caused me to file this formal complaint against Citi. I hope with the help of this complaint, Citi will take the necessary action to properly resolve my issue so that additional actions are not required.

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 2020-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
TCF Bank closed my checking account # XXXX, for a unknown reason, but still hasnt mailed me a cashiers check for the remaining balance in my account which is {$1100.00} from my U.S. Department of Treasury Stimulus Check. TCF Bank is illegally and unlawfully holding my funds in a closed checking account. I dont want the TCF Bank Checking Account. I want TCF Bank to immediately close the checking account and mail me a cashiers check for the remaining balance in the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: NY

Complaint narrative:
I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Great Northern Mortgage Corp.
State: NY

Complaint narrative:
on XXXX XXXX I applied for mortgage refinance through Great Northern Mortgage Corp XXXX XXXX the name of a person who was handling my file is XXXX XXXX . I submitted all my financial and personal info including my SS, bank accounts, W2, paystubs, 1040. As of today I did not receive any official approval or denial from their side. I believe this company is a fraud, they took my personal information and never provided me with official loan decision and I believe they never submitted my application for review to the bank processing team my consumer rights are violated, I feel discriminated. 
Please investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX  5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}

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 2020-09-03 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: IL

Complaint narrative:
The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I received the closing details for a refinance. I provided the ACH details and received the amount I had to pay to close on my original loan. From XXXX I received no information other than the closing date was XX/XX/XXXX. On XX/XX/XXXX I closed. The closing docs listed the same amount of cash to close I was required to pay. I confirmed the funds were in the account. The closing disclosure doc listed both the cash to close and the disbursement of funds date of XXXX I confirmed with the settlement agent that the funds would be paid before XX/XX/XXXX so that my original loan did not go past 30 days and he confirmed. On XXXX I called the mortgage company and they informed me there was an issue with the ACH because the cash to close amount was incorrect so the funds were never disbursed and a 30 day late was posted on both my credit as well as my wife 's. When I asked why, thy said on a recorded line that there was a backlog of documents, which is why I was never contacted. They said I needed to pay more money to wire funds to close the mortgage. The amount I had to pay was the exact same amount so they must have paid the difference. Their neglect and inability to communicate with me caused a negative impact for both my wife and me. My wife is not even on the new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Never received settlements from courts ruling.Navient lawsuitsXXXX XXXX filled XX/XX/17 XXXX XXXX Documents 1 filled XX/XX/17 pages 11of 66.My email is XXXXVery troubling.and hardships from day one. Also XXXX XXXX garnished my check knowing it was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have two Bank Of America credit cards. One is closed and the other is open. I accidentally made a payment to the closed account. I called to have the {$500.00} payment transferred to the open account. Everything I call I am told it will be done in 2-3 days. I have called four times and I am told it needs to be researched or the form submitted was not the correct one. It has been more than two weeks. Now I am being told it will take a while billing cycle.

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 2020-09-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act.

Regards, 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 non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I represent my client as her POA. My client received her house in her divorce agreement from her ex husband in 2011. As per the court documents and order, the property tax, title, and town records have all transferred to her name. The mortgage was in the ex 's name, and she did a loan modification 5 years ago. She couldn't refinance as her credit score was poor at the time due to the divorce. During that loan modification, the bank did not list, or take any information from the ex husband. It was supposed to be " Assumed '' by her. When my client received her first payment request, she noticed the ex 's name was on the payment request. She immediately contacted them, and they said it will be corrected within the next 30 days. My client continued to pay her mortgage, and has never missed a payment in 5 years. 5-years later it was sold to another bank, and now serviced by SPS ( aka SP Servicing ). We contacted SPS, they said this was a simple process, and we just need to complete a form, which happens to be a new loan modification. We spent hours on the application, spoke with XXXX, XXXX, and XXXX at ext XXXX, provided all the documents, and we were told to wait. When we called back a few days later, we were told under no uncertain terms, we are not allow to have a current owner " Assume '' the loan if the she is one of the original owners. 

All we want is the Ex off the paperwork. 

We tried to contact the owner of the loan, but were told it was XXXX XXXX, and then a trust, and then XXXX XXXX, but they will not address anything, only the servicer. 

My client can't refinance, which is another option, as her credit score is not good due to the loan modification being on the credit report 5 years ago. 

We are looking for help. Maybe it is as simple as having SPS allowing my client to 100 % assume the loan from her ex. Maybe SPS should have done their due diligence to check that the proper owner is on the mortgages they took over from previous servicer. Maybe someone can tell us who actually owns this loan. 

We look forward to your positive response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RFNA, LP
State: MS

Complaint narrative:
My account is currently in collections and it is occurring interest monthly. I was told that no interest would occur on the account. My credit score is dropping monthly due to interest being occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: NY

Complaint narrative:
I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.

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