vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IA

Complaint narrative:
In XXXX of 2019, Discover reported on my credit profile a late payment of 30 days. This account was set up on autopay and there was an issue with the auto pay in XXXX. On XX/XX/XXXX I got an email from Discover saying they've received my payment. Discover did not alert me that there was an issue with the payment in a timely fashion. The next email I received from Discover was in XX/XX/XXXX or XXXX alerting me to a problem. As soon as Discover informed me autopay did not go through properly, I immediately corrected the problem and paid the balance down to {$0.00}. This is not enough time to properly inform me, the consumer, that there is any issue that needs to be resolved. I was under the impression that autopay was going through as intended.

I contacted Discover recently who told me that I was not late and I have chat logs to prove this. They advised me to contact the credit bureaus to dispute this. I did this and Discover told them it was reporting accurately, even though they told me it was not reporting accurately and that there was no 30 day late payment.

I have been a good customer with Discover and pay my bill on time every month, usually for more than the minimum due, and frequently pay the balance in full. I want to be treated like a valuable customer and not like a deadbeat because of an issue that Discover could have easily prevented if they had notified me properly of any problems. This oversight from Discover has caused my credit score to dip drastically and increased interest rates when using credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had an unauthorized transaction come out of my account. Their process for dispute charges is not available on my account. I attempted to contact the company but they wont take phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX XXXX Virus - we are XXXX XXXX. 
our XXXX  is closed..Government offers 12 month defer payment and put on back end of loan.. PHH is  only offering 3 months off but then it is all due on the XXXX of the XXXX month, IN FULL.. Told to take offer and then if there are any changes, they will call you and offer them.to you. There would be no problem to change option. I was told to sign up for program and then change when available. 
Do not trust this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Sent a letter requesting original documentation with original signature for the alleged item. It's been 90 days, have not received any documentation. If the original documentation can not be provided- Please remove alleged item.

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 2020-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am writing this due to non-compliance with the AD ASTRA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have contacted Citibank Best Buy and spoke to XXXX ( Rep Id # XXXX ) in regards to applying to a two interest payment adjustment and for a deferment on the monthly payments. The associated advised that Citibank has no plan in place. I live in the state of New York and we are deeply affected by COVID-19. This is unacceptable and Citibank should have a contingent plan in place for such a catastrophe. Please have someone that is more competent in applying the interest charge credits and implementing the deferment.

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 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macy 's American Express card. A month ago I had a credit limit on my card of {$4000.00} with payments on time, and always more than the minimum and never late, also a month ago I made a payment to my account of {$500.00} and {$70.00}. After this they have decided to decrease my credit limit from XXXX to XXXX. They have even sent me a letter stating that my score according to XXXX  is XXXX when this is not true. I have never had such a bad score. It is the first time that this happens to me I have cards with higher limits and no bank has taken that attitude. With this, they have only damaged my credit and have looked for ways to charge me more interest with the aim of earning more money, leaving my account at the limit. This is very unfair.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with Bank of America, and I was denied.

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 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
I filed Complaint XXXX to the CFPB. With no proof whatsoever, Real Time Resolution ( " RTR '' ) submitted an inconclusive transfer notice as their evidence. See their reattached Staker - ( XXXX XXXX XXXX " XXXX '' XXXX XXXX Goodbye Letter. 

I provided governmental proof XXXX  held in XXXX the entire principal had been paid. See the attached XXXX Form 1098. 

RTR claimed, " XXXX transferred the loan to RTR on the date [ XX/XX/XXXX ] reflected in that letter [ XXXX Goodbye Letter ] with a non-zero balance. '' RTR ignores RTR corrected the transfer date to XX/XX/XXXX. See the attached RTR_Corrected_Transfer.

RTR asserts they " did not agree with XXXX  issuance of the Form 1098. '' RTR proffers no authority whatsoever to show XXXX acted improperly.

RTR claims there was a " non-zero balance '' at transfer. RTR knew this claim ( a " non-zero '' balance at transfer ) is false. See the attached XXXX  Servicing File ( generated by XXXX as part of the transfer to RTR with no balances owed ).

RTR claims " RTR does not believe that XXXX  possessed the authority to purportedly XXXX out the balance of the loan after the transfer to RTR. '' RTR knows their " after-the-transfer '' claim is also untrue. See the attached XXXX Servicing File ( establishing the account balance was XXXX before the transfer date ).

I complained RTR 's responses required by XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, are lacking. RTR claims ( again without proof ) to have responded. And so, where are these responses?

RTR claims my requests are duplicative. RTR overlooks each Notice of Servicing Error had new additional documents, federal regulations require a new investigation. 

Attached I have shown clear and convincing third-party ( official ) evidence there is no account balance. I have also produced proof RTR stated facts they know were untrue ( non-XXXX  balance at transfer and action " after-the-transfer '' are both false ).

On the other hand, RTR lacks proof XXXX  acted improperly or there is an account balance. RTR position here boils down to a pretend  disagreement with the decisions and actions of the prior servicer. However, it is patent RTR lacks any authority " before-the-transfer '' to sustain their disagreement here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?
There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports. 

Equifax ( report confirmation XXXX ) XXXX  ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) XXXX  ( File number XXXX ) Experian ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion

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 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/20 called to obtain my payoff balance, so that I can pay off my loan. This is important as we are working a financial plan due to my XXXX diagnosis and treatment, and loss of job. BMO Harris requested information in order to verify me that they never collected at the time of the loan ( cell phone ). I gave the land line we used for our loan application, and while it matched their records, it was not a mobile number, therefore I couldnt be verified. I was left on hold for an hour while security questions were gathered to verify me as the loan owner. I was asked a series of questions about which streets were closer to my lake home than others. I of course have ZERO idea what street names are near us, let alone those in towns over an hour away. I am seriously concerned that this is how verification works? Really? I was told since I couldnt answer those questions, the bank was refusing to provide my loan balance so I can pay it off. I was instructed to go to a local branch, however, I am undergoing XXXX and cant leave the house right now. XXXX told me ( supervisor I was escalated to ) that I would have to visit the branch, pay for a notarized ID before anyone would provide my payoff balance. So ... from what street is closest to your lake home to NOTARIZED IN PERSON? Seriously flawed system.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Ive requested validation of this debt twice in XXXX of 2020 which the company acknowledged. I also informed them of my XXXX XXXX military status to which SCRA laws apply. Not only has this company refused to send any form of validation ( signed contract & proof of their rights to collect ). They havent even adjusted the amount owed to abide by SCRA which grants no more than 6 % interest on any loan. This company is having a huge impact on my career, my credit worthiness and my security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I can't remember the last time I made a payment on my Synchrony Financial Credit Card which was XXXX and Paypal because I am on XXXX I only make {$780.00} a month and I can not afford to make payments on that credit card. I would like them to forgive my loan.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND WHT TAT MEANS IS SOME ONE STOLE MY INFORMATION AND PRETENDED TO BE AND OBTAINED A LOAN THAT IS NOT MINE. NOT ONLY MY CREDIT WAS STOLEN, ALSO MY EMAIL, OUR MAIL BOX AND BANK ACCOUNTS. NUMEROUS TIMES I HAVE REACHED OUT TO CREDITORS AND WITH PROOF THEY WERE ABLE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. BUT THIS ATTORNEY KEEPS SENDING ME LETTERS AND REQUESTING TO SETTLE SOMETHING THAT IS NOT MINE. I DON'T UNDERSTAND IF THE CREDITOR HAS ALL MY DOCUMENTS OF PROOF THAT THIS ACCOUNT WAS FRAUDULENT WHY IS THIS ATTORNEY ASKING FOR MONEY. 
AT THIS POINT I BELIEVE THIS IS A SCAM AND THE ATTORNEY IS TRYING TO COLLECT MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-02 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-02 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: NC

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with XXXX  XXXX XXXX, and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.

Company response to consumer: Closed with explanation