vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: KS

Complaint narrative:
National Credit Management is attempting to collect a debt for XXXX XXXX XXXX College. The debt is for a class that I enrolled in, but then dropped the class online. I did not take the class and dropped well before the deadline. 

NCM and XXXX claim that I should pay {$320.00} for the class that I did not take and they have filed a claim on my credit report. 

I have advised NCM and XXXX both that I cancelled this class. There appears to be a mistake with their online enrollment system. I have asked both organizations to provide proof that the class was not dropped and they have been unable to provide this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loan 's internal policies, related to XXXX  leave, have violated the fair lending laws on a disparate impact basis. My wife and I were denied a refinance due to my wife 's income being excluded from our combined " qualified income '' because of being on XXXX  leave. Under California law, the Family Medical Leave Act guarantees a parent 's position upon returning to work, and should not be cause for exclusion of " qualified income '' or conditional approval upon returning to work. This is discrimination based on sexual orientation and familial status. XXXX  Leave policies have a discriminatory effect on women and have been found to violate fair lending laws ( case : XXXX XXXX, XXXX ). 

Background : the initial loan estimate was provided on XX/XX/XXXX with XXXX  origination charges and a lender credit of {$1800.00} for a 3.375 conventional fixed 3-year mortgage set to close on XX/XX/XXXX. Several delays caused by Caliber Home Loans took place, causing several rate lock extensions, which were all disclosed on the closing disclosure as charges to the borrower. On XX/XX/XXXX, a second closing disclosure was sent, which included {$820.00} in origination charges ( discount points ) and a lender credit of {$22.00}. Caliber Home Loans effectively charged the borrower for the rate lock extensions when the delays were caused by the originator ( Caliber ). 

Summary : On XX/XX/XXXX ( two and one-half months later ), Caliber informed us that we would not qualify due to a high DTI, which was due to my wife 's income being excluded from our " qualified income '' because of being on XXXX leave. 

Opinion : Caliber intentionally inflated our DTI to deny the loan, since Caliber is losing considerable money on the loan due to additional hedge coverage for rate lock extensions and the recent rallying of rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made four balance transfers over a two year period between my Capital One credit card account and my XXXX credit card account, and Capital One is denying these transfers happened, despite confirmation from XXXX. This has left me in the unfortunate position of effectively having been charged by both companies. The transfers were as follows : XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX - {$1100.00} ; XX/XX/XXXX - {$1000.00} ; XX/XX/XXXX - {$2000.00}. Capital One has been pursuing me claiming I am indebted to them, and denying the balance transfers completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
i was getting letters from mr. cooper ( my 1st mortgage holder ) for payoff amounts, & i wasn't making the requests. apparently there was one more that that they released to XXXX XXXX from XXXX/XXXX  for XXXX XXXX. my second mortgage was covered under bankruptcy by XXXX XXXX XXXX.until they were sold to XXXX XXXX. they didn't notify me until XX/XX/XXXX, 1 full month after the motion by XXXX/XXXX. they have required more money to be garnished from pay than i make per month. which means, i will not be able to make my monthly payments to the 1st mortgage, my hoa, my utility bill or my monthly living expenses. i will be XXXX   on XX/XX/XXXX, so i don't have any options that i can see. as far as i can see XXXX XXXX   should have been broken up in XXXX & it's board members should have been thrown in prison. in review, my identity was used, illegally to obtain the payoff from my 1st mortgage, i have 6 letters in my possession explaining how to get that info, i called them to tell them it wasn't me, and then asked them who was requesting it. of course they would not tell me. apparently they managed to get my info, because they raised my monthly garnishment, which goes into effect XX/XX/XXXX. any suggestions on how to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with XXXX, TransUnion, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my TransUnion score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.

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 2019-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to get an old mortgage cancelled of record. XXXX XXXX XXXX   XXXX XXXX XXXX is no longer in business and was merged multiple times. The most current successor in interest is PNC Bank but they do not have a record of this loan. 

The mortgage was for a HELOC in the amount of {$99000.00} made in XXXX. Nothing is owed, but we need to cancel it of record. 

I need to know who is the proper servicing agent with authority to cancel this mortgage. 

XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this 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
Consumer complaint received 2019-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I sent a check for {$9000.00} towards my principal ( after deducting {$800.00} for my monthly payment ). This payment was processed on XX/XX/XXXX but they are now claimingXX/XX/XXXX that the payment did not clear, which my bank disputes. By continuing to delay this payment, my account is being reported as late and this is not the case. 

I have called on this repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
In 2018 I received a debt letter from Convergent Outsourcing. The creditor was XXXX and the client account # XXXX. I called XXXX and asked them to find more information about this debt because I've never had an account with them. They told me that I needed to give them my social to find my information. I was not okay with that because I know they don't have this information on file because I never had an account with them. I gave them the client Account # above. 

They send me monthly letters telling them they will take payments. I need them to stop. They are not reporting to any credit agency, but I do not owe them this debt and want them to stop mailing me that I do.

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 2019-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XX/XX/2019 - {$25000.00} Loan is approved pending pay stub docs submission. 

XX/XX/2019 - contacted via phone to get info on loan and what is needed to complete approval process. 

XX/XX/2019 - contacted via phone that I sign up for membership and ensuring pay stubs are submitted and discussing whether to either have approved loan check delievered or drive to nearest branch to pick up check. They do not do direct deposit. 

XX/XX/2019 - I drive to branch to have branch manager tell me because of no debt on credit report and my reason for loan was bill consolidation was because I was denied. No one higher up would speak to me or whoever branch manager talked to that made this decision. 

Part 2- called Penfed 1 800 number to call highest level of management. I was able to get a hold of supervisor.

He informed me the loan officer was worried of giving someone that amount of money with limited credit history. Despite me being XXXX score and everything being approved. They would not let me speak with a loan officer. 

I was mislead to believe I was approved for a loan and to either get check mailed to me or go to branch. I went to branch to be told I was not approved for loan afterall.

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 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I am writing to request your help and notify that my rights are not being respected. I have an account with Flagstar Bank ac # XXXX, opened date XX/XX/2017. This company is reporting inaccurate information on my account. I have never been late on this account. I want to explain why are committing multiple violations to the FCRA. 

I must say that I tried to solve this big issue with them. On date XXXX, I sent a dispute notice to Flagstar. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED, as required by law. They even sent me a letter stating that theres nothing to investigate or correct and that they were not going to continue with the process. 

They are being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is another violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. They are also committing BREACH OF CONTRACT and the list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights and I am not the only one that is being affected ; this is a joint account ; therefore, another person is being affected because if this UNFAIR BUSINESS PRACTICES of Flagstar Bank. We have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Flagstar Bank refuses to provide a deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED : 1. Letter sent to Flagstar bank ( and proof of fax ).

2. BANK STATEMENT as proof of funds at the time the payment with Flagstar Bank was due. Proving this was not a money factor or even worst that I did not want to pay.

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 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the bank is people united bank I never open an account with them and they have one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The first notice I received was supposed to tell me I have 30 days to dispute the debt. This statement is missing from the letter. See attached letter front and back. 

The letter references a previous letter but this was the only one I  received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas, XXXX Chex Systems, Inc ATTN : Consumer Relations XXXX XXXX XXXX, XXXX  XXXX XXXX, MN XXXX Www.chexsystems.com XXXX To Chexsystems   Dispute Department, I recently received my report and discovered that you are reporting " Unknown Accounts ''. 

As a result of my findings. 

Please Send Me In Full Arrangement ie : " The Agreement and/or Contract with my signature on it that says that this debt is mine or Delete It Immediately. For the following Accounts below : XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX CASE LAW : Peterson Vs Experian. Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that ChexSystems just can't use the E-Oscar System because its not considered reasonable. ChexSystems can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ).

And send me another credit report.

Thanks!

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC
State: UT

Complaint narrative:
I received a phone call from " Critical Resolution Mediation '' stating they I owed money. They wouldn't say how much or to whom. They then recited my correct SS # to me and said " we'll get this money sooner or later '' I told them not to contact me again. I'm terrified that my identity will be stolen. The number they called from is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
The original debt was with XXXX they quoted me one price and continued to debit another amount from my checking account. This was a bait and switch. I voiced my concerns with the agent and nothing changed. 
AWA collection also changed the year to reflect a more current date in order for this debt to remain on my credit report for a longer period of time which goes against the Fair Credit Reporting Act. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
there where Fraudulent Transactions from XXXX XXXX XXXX on my Bank Account i Currently Dont Have XXXX XXXX XXXX and there where charges {$430.00} and i never did any Business with XXXX XXXX XXXX and never Purchased anything i fill a Dispute with M & T Bank for the Fraudulent Charge {$430.00} M & T Bank Still Has No Completed The Investigation and its Been Over a Month And The Dispute Was Open In XX/XX/2019 M & T Bank is Taking a very long time To Complete and The Agent From M & T Bank Doesnt Have Any Futher Information i call them the on XX/XX/2019 and said to me they dont have any information about this Dispute and it could take 90 Days.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I was served with a notice to revive a debt from XX/XX/XXXX, which I included in my XX/XX/XXXX chapter XXXX bankruptcy. 

They filed case # XXXX XXXX COUNTY IL Atty for LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the company approved a credit line that is not mine and they are reporting it was a Collection/ late payment and that has my credit low

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 2019-11-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This in regards to Loans XXXX and XXXX I previously requested from NELNET ( in XX/XX/2019 ) and submitted all required financial hardship docs and economic deferment application to NELNET in XX/XX/2019, to which I NEVER RECEIVED a WRITTEN response. I have already made it PERFECTLY clear that I can not economically at this time afford a {$320.00} and {$87.00}, payment due to my current economic status. NELNET has consistently in 2019 refused to work with me and allow me to have a 6 MONTH economic deferment, after which I will be able to resume making payments. If NELNET REFUSES to again work with me by providing me a 6 MONTH DEFERMENT, the two above referenced LOANS WILL GO INTO DEFAULT AND WE CAN DEAL WITH THE PAYMENT ISSUES IN BANKRUPTCY COURT WHERE I WILL AGAIN ADVISE BOTH NELNET, THE TRUSTEE AND THE COURT THAT I CAN NOT ECONOMICALLY AFFORD PAYMENTS AT THIS TIME. This is despite me providing an ECONOMIC DEFERMENT LETTER FROM MY OTHER FEDERAL STUDENT LOAN SERVICER, XXXX, ALREADY PROVIDED ME WITH A 6 MONTH DEFERMENT, the LETTER WHICH WAS SUBMITTED TO NELNET, along with my ECONOMIC DEFERMENT APPLICATION AND FINANCIAL DOCS TO NELNET IN XXXX, AND TO WHICH NELNET HAS NEVER RESPONDED, NOR PROVIDED ME A DENIAL LETTER, BUT SIMPLY HAS CONTINUED TO BILL ME AND ADD LATE FEES TO MY ACCOUNTS. I am ASKING AGAIN for a 6 month Deferment on ALL PAYMENTS on the 2 above-referenced loans, after which, I will again resume making payments on these loans.

Company response to consumer: Closed with explanation