vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Premier Auto Credit
State: CA

Complaint narrative:
On XX/XX/2021 i called the loan company because i had been charged an additional {$35.00} with my monthly auto loan. I spoke to the representative " XXXX '' who informed me that the charge was a " late fee ''. There is no indication within the contract that that was a late fee. XXXX emailed me the page of the contract that indicated late fee charges, however, the document contained a signature that was forged with my name and no valid signature from the dealer. I asked to be provided a copy of the full contract so I could review the document and ensure it was identical to the original, and that i was not being scammed by this loan company who claimed they bought my loan from the original dealer ( XXXX XXXX ). XXXX stated he would send me the contract via USPS mail. When i did not receive it I called back on and emailed the supervisor, customer service, and XXXX on XX/XX/2021. I was then told that reps did not have access to the contract and that the funding department processed my request and would mail it out. yet again, Premier auto Credit failed to send me a copy so i emailed and called them again on XX/XX/2021. I was told by XXXX and another representative that my request had to go through the supervisor and i was transferred over to supervisor XXXX XXXX  extension where i left a message and followed up with my 2nd email to him. I called again on XX/XX/2021 I was then told by representative XXXX that the " funding department provided the contract to XXXX, who would be mailing it ''. To date this company continues to provide me with inaccurate information regarding my auto loan, they refuse to provide me with information requested, and has not fulfilled my request to obtain a copy of the contract they received when they purchased my auto loan. Most of the representative refuse to identify themselves by name ( when you ask their name they hang up in the callers face ), employees are extremely rude, short tempered, and make threats, and/or hang up the phone when individuals call in. I have made a total of 8 payments to this company and i now have reason to believe I am being scammed or that this company is acting in an illegitimate ( fraudulent ) manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Mortgage company did not pay the real estate taxes from the escrow account. I believed that they were going to pay but they declined payment. I got an real estate tax abatement from the Town then the banks stated that they had paid the taxes which the tax collectors office denies. The Mortgage then claims to have made two payments for the 6 month tax bill which put the escrow account negative as well as charged several {$500.00} attorney fees as well as property inspection fees. I called the mortgage company and the person I spoke with said they would need to research the issue. my next payment notice included a decrease in required payment which made sense to me since the property tax as well as the cost of homeowners insurance had gone down. the mortgage company had applied excess escrow funds to the principle. After approximately 8 months I get a property tax bill and homeowners insurance bill that states the Owner must pay which I forwarded to the Mortgage company. They paid both and stated that the escrow account was negative {$12000.00} because of account research fees, attorney fees and more inspection fees as well as the paying of the property taxes and homeowners insurance cost. this amount was due immediately. The next payment sheet came and stated that my new monthly amount was {$1600.00} more than the original mortgage and escrow amount. COVID-19 Struck and I lost my source of income for 7 months I continued paying the mortgage and the Mortgage company filed for foreclosure. I filed for bankruptcy and continued paying the mortgage amount as well as the trustee. After 10 months the mortgage company filed to be removed from the bankruptcy because " I had not paid the required Property taxes, Attorney fees, property inspections and Homeowners insurance '' they had these expenses that were supposed to be paid from escrow and not applied money toward the Mortgage which is being held in unapplied funds. the Mortgage company was granted removal from the bankruptcy. and here I sit pre-foreclosure with a bill of {$38000.00} and the mortgage company has refused payments other than payments in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This debt is supposedly for XXXX, a service I have not used in over five years if I am correct. This was on my credit report last year with different totals and was removed for being too old to collect, now they claim a new debt to XXXX was started in XXXX this year, but I do not use XXXX, I have not in a very long time. I can easily prove I have used another service for the time in between, but in the end, My service for XXXX should have expired in XXXX. I filed a dispute, but they didn't respond to the fact this debt was already removed from all three bureaus last year for being too old and are again trying to claim something thrown out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
This is has been the most horrible experience with a company I have ever dealt with before. I had an auto loan through Fifth Third Bank and back in XXXX we sold the vehicle on the XXXX. The monthly payment was not due until the XXXX but we were no longer responsible for this payment as we no longer owned the vehicle. I called them the very next day ( the XXXX ) and let them know what happened and asked for a hold to be placed on the account and that we no longer owned the vehicle and the dealership was getting the payoff check in the mail. I was confirmed that it was placed on hold and we would not be sent to collections.. I was called by them on the ( XXXX ) saying that we were 30 days late and were being sent to collections for delinquency. I tried calling numerous times to be transferred at least 10 times because no one would talk to me about the situation. A month later I finally spoke to someone who was slightly willing to help. I asked why it was 30 days late and why I was given absolutely no grace period before being sent to collections. None of it made sense. I was then told I apparently missed a payment in XXXX but this was the first time I was ever hearing of this. I have never missed a payment and have ALWAYS made my payments on time. I then went to get proof of all documentation showing where the vehicle was sold on the XXXX, the payoff check, and proof of the missed payment from my bank statement. I even went back to the dealership to see if they could help provide this information and they informed me that they no longer use this company as an option of financing because of situations like this. It is now 3 months later and they have done nothing to resolve this issue that has completely ruined my credit when I was not at fault. On XX/XX/XXXX I called back to check on a dispute and was informed they got the dates mixed up and denied to fix it. So again, I spoke with a lady named XXXX who informed me of this and she told me she would put the request in again and correct the date so that it would get reported correctly to the credit bureaus. She told me it would be 5 business days for them to make a decision. I called back today ( the XXXX ) and was then told it would be 30 days. This is absolutely ridiculous. Not only are they not reporting my credit accurately but they also cant get their facts straight.. Fifth Third Bank.. do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is releasing my personal student loan information to people not on my contract and not associated with my account. They are repeatedly calling and harassing my school, place of work, friends, and even parents of my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon simply creating an account for transunion. ( so that I could dispute something on my credit report ) I was charged just XXXX $ and subscribed to a monthly service despite never being asked about it. The page requires you to enter credit card information in order to create an 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 monetary relief
Consumer complaint received 2021-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Disputing Erroneous Credit Reporting by Target Credit Card late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was approved for a Target Credit Card for a second time. The new Target account ends in XXXX, in making payments for those months I used my Bill Pay from my XXXX Account and did not realize it was the old closed Target account ending XXXX. I made the payments to that account in error but was not informed or received notification. The Bill Pay payments were cancelled on their end and were not used for the new open account. When I called to inform of the issue, the Target Representative stated that there is nothing she can do and gave me an address to send dispute in writing. I asked to speak to a supervisor and representative again gave me the run around, made me hold for over 30 mins and Supervisor did not give me a chance to explained and refused to help me resolve the late issue. I asked to speak to her Supervisor and she said she does not have one and will not be able to help me. I'm dumbfounded that Target would treat me this way and would not provide any help to my issue. Customer services was aggressive and not helpful at all, with no information to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit D, D and g that THD/ CBNA, XXXX, and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A )

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 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX got me a mortgage for my primary residence, owned by XXXX XXXX XXXX changed the service to My Loan Care ( myloancare.com ). Final monthly payment was paid to XXXX, but was not reflected in my mortgage. XXXX either did not send the payment or My Loan Care lost it. Both companies have given me the runaround since XXXX. I have no solution. 

Loan # : 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 explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Scammers taking money from my credit card and bank account, ordering things not in my name but with my card and address

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have a collection account on my credit report from TSI/XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mediation Recovery Center
State: NE

Complaint narrative:
I got a call from XXXX on XX/XX/XXXX at XXXX XXXX. As I was waiting for a communication regarding a position I'd interviewed for, I answered, as the number came up as from South Carolina, and some of our employees are working remotely. The person I spoke with, who identified himself as XXXX XXXX, said he was from an organization called Mediation Recovery Center, which I was able to confirm is located in South Carolina. However, upon further research, I encountered an article mentioning that MRC was hacked by fraudulent debt collectors several years ago, so I was extremely hesitant to speak to anyone from that organization again. Particularly since the po box listed for payment is listed as being in Illinois. 
A couple of days ago, I received a letter in the mail, showing it was mailed on XX/XX/XXXX, with a lower balance due than the statement emailed to me on XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from an Ohio number from a man who identified himself as XXXX XXXX, who provided the same callback as on the letters from XXXX : XXXX, but also said I could use the Ohio number XXXX that came up on my caller ID. 
My biggest issue with this entire situation is that for this episode of care, I was receiving XXXX benefits, and never even got billed by the XXXX XXXX transported me to that night because my insurance was billed. The creditor listed on this statement is XXXX XXXX, who are still in operation in Ohio, but have not returned my call. XXXX claimed on XX/XX/XXXX that XXXX 's billing department no longer existed, and all their accounts had been purchased by MRC. Why would they close their billing department if they're still in operation? Also, why would I just now be getting all this communication for an episode of care from XXXX of XXXX, when the statute of limitations in Ohio is a maximum of 8 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
XXXX I closed on a refinancing with Cardinal Financial Company ; my first payment was due XXXX I received a letter from Cardinal Financial Company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: FL

Complaint narrative:
I was checking my credit report and I saw that my credit score is very low. I have no idea about these accounts I believe someone used my personal information. Im shocked because you put this negative information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: GA

Complaint narrative:
Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.

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 2021-09-30 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: GA

Complaint narrative:
Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.

Company response to consumer: Closed with explanation