vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from Credit Collection Services stating that I owe a debt from XXXX XXXX Auto and Home .I do not owe a debt from this company and they were unable to validate or show proof of a contract from this debt. There is no such debt reporting on none of the 3 credit bureaus from XXXX XXXX Auto and Home nor Credit Collection Service so therefore how can Credit Collections confirm a that if there is no debt reporting they are trying to extort money from a debt that is not owed therefore they need to take this account and delete it from their files it's not even reporting from them nor XXXX XXXX auto on none of my credit reports. FRAUDULENT ACTIVITY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TN

Complaint narrative:
XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, Transunion, XXXX and EXXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, Transunion, XXXX and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.

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 2021-02-12 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: TN

Complaint narrative:
XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, XXXX, Equifax and XXXX explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, XXXX, Equifax and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 XXXX XXXX XXXX and Capital One Bank USA. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. 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 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: MD

Complaint narrative:
repeated calls from this company. There is no detail as to why they are calling or with whom they are calling for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have/had 2nd mortgage on my Home where I am staying. My 2nd mortgage was with GMAC. GMAC has went Bankrupt. I never received anything form GMAC about whom to to make my payments to. Last document I have from GMAC is from XX/XX/XXXX about my Loan modification. It was auto pay setup for mortgage payment. 
I was going through refinancing process & now suddenly after 9 years I came to know that ALLY is listed on my Deed. My refi was denied due to I am unable to provide payment history- Which I don't have for my 2nd mortgage. 
I don't want to loose my primary residence. After XXXX I finally found correct phone # of ALLY. Rep instructed to email to Ally as follow : On Monday, XX/XX/XXXX, XXXX XXXX EST, XXXX XXXX XXXX wrote : Hi, I just came to know that Ally has my 2nd mortgage.

I used to have GMAC. I know GMAC had filed Bankruptcy. 

I never received any paper or any documents from your company. 

I need someone to contact me asap in regards to my Loan. 

I just called XXXX & spoke with XXXX XXXX ID # XXXX & finally I got email address to contact you. Loan # he gave me is XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX. 
My home # XXXX. 
Response received as follow from ALLY : Lien Releases XXXX XX/XX/XXXX XXXX XXXX  GMT To : " XXXX '' XXXX Mr. XXXX, We have researched your request and determined your loan is not in a charge-off status, rather your loan is in a dormant status. In this scenario, please contact our mortgage servicing department at XXXX for assistance with your request. Please reference loan # XXXX. 
As instructed, I have attempted to contact Customer Service- I was getting bounced around in different dept & finally phone was disconnected. 
I got your website from Senator 's XXXX XXXX XXXX office to contact you

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 2021-02-12 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: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: AL

Complaint narrative:
LVNV Funding has been calling over and over. Also threatening to take me to court. I told them on several occasions I have never had a capital one card. Im over XXXX years old what do I need with a credit card. This is FRAUD! I want this to stop and removed from my credit file. Especially XXXX credit report. This harassment is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
This account is not verified yet it's being reported on my credit report. I called to verify with no success, called to reach a settlement in order to delete and had no success, senior director is offensive and hangs the phone on me. This company is a scam and should be investigated. I demand all associations with this company be deleted from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 Bank USA, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. 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 2021-02-12 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: WELLS FARGO & COMPANY
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 Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. 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 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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
The home was listed with a realtor on XX/XX/XXXX. The mortgage company was made aware of the listing and it was turn-key ready to go. There was an offer by XX/XX/XXXX, but the mortgage took longer than the 30-day purchase agreement to reply, answer the realtor about the sale. The buyer backed out of the sale. Then Covid slowed all possible buyers and things slowed way down. Second buyer XXXX XX/XX/XXXX, short sale process, it honestly took until late XXXX to get a sale closing date of XX/XX/XXXX. I was so ready to be done, I wasn't going to walk away with a pocket of money but I would have just walked away. I stopped making payments in XXXX of XXXX the mortgage company was fine with that as long as the plan was to sell the property. I have been living with my daughter and her family since XX/XX/XXXX and sole property caretaker of the " listed home '', tending the lawns, shoveling and general upkeep of the home and utilities being paid on time, and checking every day as this home is in MN. As I write this it's -4 with a feels like even colder. So, I'm worried about the water pipes and the furnace failing. Then, something else happened just before the closing date, the buyers lost their jobs and financing. NO sale happened. The realtor had stopped showings and restarted again square one. She honestly has worked super hard on this sale and tried multiple things and every time the mortgage company withholds information that is needed to make the sale. Then, on XX/XX/XXXX, she sent me a document stating that the buyer backed out of the sale entirely because they can not secure financing because they haven't been able to secure a job anywhere because of Covid-19. The same day the mortgage notified me that the home is being foreclosed on because of nonpayment. Is there anything that I can do? I'm XXXX and I'm not ever going to be able to fix my credit to be able to buy another smaller home for myself to retire in. I've spent 25 years of my life trying to keep my home beautiful and kept. To lose it like me is devasting to me. I've been helping my daughter with the bills and trying to keep this house kept. Do you have any help for me? Please help me to save my credit and dignity.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I refinanced my home in XXXX of XXXX and Paid off XXXX in XXXX around the XXXX. 

At the time of payoff XXXX  collected my XXXX Property Taxes in the Payoff The title company also paid my XXXX property taxes at close and the title company 's payment for the XXXX property taxes was received first XXXX County. I became aware of this on our about XX/XX/XXXX, so I contacted XXXX County and XXXX XXXX on or about XX/XX/XXXX, they said they could not find the payment return and they would search for it, then I called again around XX/XX/XXXX and they could not give me much information. I called on XX/XX/XXXX and spoke to XXXX in the escalation department and I spoke to XXXX on XX/XX/XXXX in the escalation department. 

XXXX did say they are working on this but it could take 6 to 8 weeks to resolve this, this is a violation and by law they have 30 days to issue the escrow refund, they are approaching 90 days. XXXX also said he was aware this is illegal for them to hold my escrow refund for more than 30 days XXXX XXXX/PHH Mortgage Owes me {$2200.00} for an escrow refund. 

PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Mercedes Benz Financial Services
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, XXXX XXXX XXXX, and MB Financial Service. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is MB Financial Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. 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 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I made regular payments to this Bank of the West ( credit ) Mastercard using their payment method through my checking account from another bank. The payment gets posted within 2 days without any issue ( and my checking account too shows that ). 

But the card puts a 15 days hold on payment -- which does not allow me to make subsequent purchases. 

I asked them why. The typical answers are ( i ) it's in our system -- we can not change it ( ii ) For all new customers we put such a hold ( which, I checked, is not true. My wife and some of my friends too opened this card at the same time. They don't have this issue. ) I have a high credit score. Irrespective of that fact, I do not understand the `real reason ' why such a hold would be on the amount that has already been taken out of my checking account and posted in the credit card account transactions -- and I would be blocked thereafter from using that credit-line for as many as 15 days.

The representatives ( to certain extent ) and especially the Supervisors have been very uncooperative and arrogant in discussing or resolving this.

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 2021-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am trying to track down my Stafford student loans to be able to pay them off. Navient told me that my loans went into default because I was always a month behind in my payments. They sent the loan back to XXXX. When I phoned XXXX on XX/XX/2021, I was directed back to Navient. I requested a balance, and I was told I owed {$31.00}, XXXX. I asked for a balance statement to be sent to me via email and USPS. Two weeks later, I have not received anything. I am trying to pay off these loans! I called Navient today, and when I asked again for a statement, I was told again that they can't produce a statement because of the " system integration. '' I find it hard to believe that the company can not provide me with a way to pay off my loan balance. I am afraid they are stalling to add penalties to my current balance which they said was good for 30 days. It has now been two weeks. P

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently reached out to XXXX XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

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 2021-02-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX  with a balance of {$0.00} -This is not my account.

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