vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GB Collects, LLC
State: MD

Complaint narrative:
I received a phone call from, GB Collects stating that I owed a bill to a company I had no knowledge of. I asked to receive information via mail regarding the charge and I would look it over. Around XX/XX/XXXX, I received a very bland letter in the mail stating that GB Collects represents " XXXX XXXX '' and that I owe an amount of {$700.00} - again no knowledge. 
On XX/XX/2021, I wrote a letter to GB Collects notifying them that I dispute the validity of the full portion of the invoice and that I was requesting verification of the debt to be mailed to me. GB Collects responded on XX/XX/2021 ( apparently they received my XX/XX/XXXX letter ) that " Our client has declined your dispute on this delinquent balance of {$700.00} owed to our client, XXXX XXXX, due to lack of proof. '' Question : If the company that states I owe a balance doesn't have proof of the balance then who has proof, and who can verify that I owe the debt? 
Additionally, in the XX/XX/XXXX letter I requested to " ONLY '' contact me via mail at the address they have listed on their correspondence. I specifically asked " DO NOT CONTACT ME ANY FURTHER THROUGH A PHONE CALL ''. 
Since the XX/XX/XXXX letter, I have been contacted via phone and with leaving a voice mail on XX/XX/XXXX, and XX/XX/2021 ( I can provide proof of this information ). 
Around XX/XX/2021 I received another letter stating that " XXXX XXXX will no longer tolerate any more delays in recovering their monies. This appears to me to be a threat or a scam as I have asked for documentation and verification of the amount stated to be owed and to no avail have I received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts from my report. Unfortunately, XXXX  has been refuse to remove an account and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, so I am now contacting the CFPB because I need this collection account out of my credit report, it is affecting me a lot.

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I refinanced my house and have been waiting for my escrow account refund. The taxes were paid by my new loan company and Penny mac who is my old company also paid them The loan was paid off on XX/XX/21. XXXX XXXX sent the money back to XXXX on XX/XX/21 and Penny mac said they were going to send the money to us on XX/XX/21. I called today on XX/XX/21 and they still have not sent the money to us. I have called them 6 times and everytime they give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately

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 2021-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have submitted a debt validation letter I have also submitted an cease and desist letter to Capital one and they have yet to validate this alleged debt on my consumer reports. And to cease all communication and consumer reporting on a debt they can not validate. They have sent a request for me to submit information such as an account number but in this exhibit c it will show proof that they have an account number that they assumed is my debt which is proof that they are fraudulent reporting a debt that is not mine on my consumer reports. It clearly states in their letter Capital One account ending in XXXX with my name on it as my alleged debt. How can they assume an account number belongs to me if they cant validate that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: TN

Complaint narrative:
Continually calls my job 3-4 times a day if Im not reached by phone. Asked to stop calling my phone and job as I do not want to lose my job due to excessive calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a XXXX XXXX. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for forbearance prior to XX/XX/2020, with USAA. USAA accepted my forbearance request. I have a VA loan and was current when I entered forbearance. I remain in forbearance. 

I have had a loss claim on my home. The roof needs to be replaced due to hail damage. My insurance issued me a check to make repairs. USAA is a co-payee on the check. USAA is treating and tracking my account as a deliquent account due to the forbearance status. They will not release the insurance proceeds so that I may have the home fixed. 

The loan should not be characterized as deliquent provided I was current at the time I entered forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Cancelled XXXX 3 months ago. Today XX/XX/XXXX. 
When I switched to XXXX XXXX the day after I called XXXX to get receipts and final bill. 

My on line account was canceled so I could view my last billing cycle so I could be reimbursed on my expense from my employer. Nor would they tell life if owed anything for final payment. 

They said they would send a hard copy for XX/XX/XXXX which was paid auto draft as had for many years. They never did. 

Now they want multiple months after I cancelled. 

Today I received a collections notice from a company called Convergent for {$580.00}. 

The reason I cancelled is because had increased by well 50 % over two year period. 

My new server is 50 % less with brand new phones. 

I will not pay a dime more to XXXX. XXXX is a criminal organization. 

I am concerned about credit being effected which is perfect at the moment.

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 2021-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I filed a claim with you yesterday but there have been updates. Money Lion ( which I have no affiliation with ) has withdrawn more funds from my savings before it could be shut down to the tune of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allgate Financial, LLC
State: CA

Complaint narrative:
I have received repeated phonecalls for 3 years from a company which is obviously the same company, but uses a different name each time they call. They are attempting to collect a credit account which XXXX placed for collections almost 10 years ago. It's well outside the statute of limitations for lawsuits. They use threatening language ( lawsuits ), abusive language, they've called my mother, they leave threatening automated voicemails, and they claim to know nothing about previous contacts every time they call me. 

Today they named themselves as " XXXX XXXX  XXXX Department '' with a call-back number of XXXX. 

They always call from either a spoofed number or a private number. They will not disclose the legal name of their company, they do not disclose any mailing address or account numbers, and they refuse to remove my numbers ( personal, work, parents house, etc ) from their systems despite repeated demands to do so.

I have attached various correspondence I have seen to every agency I was able to locate which may be associated with the debt, as well as the one reply I received from XXXX, and several example voicemails I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Over thirty days ago, I wrote to each credit reporting agency ( TransUnion, XXXX, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 TransUnion, XXXX, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, TransUnion, XXXX , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from TransUnion, XXXX, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: CA

Complaint narrative:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company XXXX XXXX XXXX now has replaced the same invalid account on my credit profile. This account should be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: MA

Complaint narrative:
I requested to close my checking account on XX/XX/XXXX when it had a {$5.00} balance. I was informed that I couldn't close my account until my balance was at {$0.00}. This is ridiculous, as then I was charged a {$13.00} maintenance fee on XX/XX/XXXX bringing my balance to - {$8.00}. Comerica bank was unwilling to close my account when I requested, and now is holding me liable to the fees charged since my account is not at a {$0.00} balance. I requested the closure of the account before the fees. The requirement that the only way to close an account with a non zero balance is to visit a branch is predatory and ridiculous. If it can be done in person there is no reason it can't be done online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX  XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please help.

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 2021-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have an FHA Loan, the investor is XXXX XXXX and its serviced by the Mortgage Servicer Specialized Loan Servicing LLC ( owned by XXXX ). I was economically impacted by COVID-19 and I requested Forbearance before XX/XX/XXXX. Then extended it twice. 

My Forbearance is about to end in XX/XX/XXXX and I have communicated with the Mortage Servicer about 12 times in writing, and by call, to go over my options at the end of Forbearance. The total Forbearance amount is around {$30000.00}. Which I'm unable to afford. 

I specifically asked for deferral of the owned amount to the end of the Loan or putting them in a subordinate lien payable when I refinance, and I spoke with several people about this at SLS, they all replied that the Loan Owner / Investor ( which is XXXX XXXX ) does not offer that option. And the only option I have right now is to pay it all in a Lump Sum or apply for a Loan modification which is inevitably hurt my credit. 

The Mortgage Servicer is not approving a repayment plan, either. So I'm left without options. They should be able to offer more options than just Lump Sum re-payment. 

I hope you can help, thank 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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC
State: TX

Complaint narrative:
Debt Collector- Revenue Reporting XXXX XX/XX/21, called a relative not listed as a reference to address debt. 
On XX/XX/21, called a minor relative to address debt. 


Neither person have they been authorized to contact. When I called back, the rep ( XXXX XXXX ) threatened me with legal action and said it would be a forcible collection and I would be responsible for attorney fees. Threatened to call my husband to force him to pay and verify his employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
They contacted me to collect that money and in the letter the date is XX/XX/2021. 

They opened a credit card account in my name and it is not mine. I've never had that card. The person used it and as of today they are charging me the amount of XXXX with the Chase Bank. I have already written to them indicating that the account is not mine. I have had to freeze my credit in the accrediting agencies because this is the second time they have done the same. The account ends in XXXX is the only thing I know. I will appreciate your prompt intervention as this situation is already affecting me emotionally.

Company response to consumer: Closed with explanation