vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My credit report shows an account for {$780.00} in collections for over a year and a half with XXXX XXXX XXXX. I spoke with the legal department of XXXX on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to CS and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called XXXX  legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to CS and told they are the ones reporting in error to XXXX. The CS rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated CS transferred me to her stating it was legals problem. She put me on hold and transferred me back to CS. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) XXXX stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call XXXX  they transfer me to and from the legal department to CS.

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 2022-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage loan was XXXX  to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less XXXX months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?

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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
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: GA

Complaint narrative:
On XX/XX/XXXX I received two letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case no.XXXX Civil Action file no.XXXXLVNV Funding LLC is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( LVNV Funding LLC ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from XXXX leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I've had an Upgrade XXXX XXXX XXXX  for almost a year now. This is the main issue I've ever run into. 

On XX/XX/XXXX, a payment was made in the amount of {$250.00} to XXXX # XXXX for the purchase of furniture. On XX/XX/XXXX, a refund was processed in the amount of {$210.00} from the same merchant. 

The refund did not post to my account as it should have and when I contacted Upgrade support on XX/XX/XXXX and was advised to call. When I called and spoke to a rep, they originally advised that the amount was credited on XX/XX/XXXX however, no credit was reflected on my statements, in my balance, nor my interest calculations. 

When I pushed back, the rep placed me on hold and began doing research when I requested a supervisor due to this error. After approximately XXXX minutes or so on hold, it was confirmed that the credit WAS NOT posted as originally claimed and that there was a system glitch that caused this. 

Upon probing, it was advised that this does happen from time to time but it's uncommon. Due to this, they needed to create a ticket escalation to have a " backend '' team add the credit. THIS NEVER HAPPENED. 

I followed up via call and via email multiple times to only be told, they have no record of this credit nor can they further assist. 

I'm requesting that the credit in the amount of {$210.00} is refunded and that ALL interest associated with this charge be refunded as well. I've strategically paid full balances on this card with the exception of this amount while I actively dispute this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I purchased the " XXXX XXXX '' product from experian and paid each month for a membership that provides protection for identity theft/fraud. Experian has refused to provide access to this product. They are selling a product they do not have, as evidenced by my repeated video taped calls to their customer service number, the " fraud hotline '' number provided in the membership info ( see attached ) and their dispute number. Each call has resulted in numerous hours on the phone attempting to resolve the fraud on my report. If any resolution is provided, it is undone the next month. Disputed items are reposted to my 3 bureau report 1 month later. They also double bill my credit card each month.

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 2022-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: DC

Complaint narrative:
I have a mortgage with Caliber Home Loans. I'm a XXXX Veteran. I was granted significant property tax relief from the District of XXXX in XXXX of XXXX, which reduced my property taxes by roughly {$1700.00} at the time. 

XXXX did my annual escrow analysis in XX/XX/XXXX, and it failed to capture my newly reduced taxes. They also overpaid my taxes by ~ {$1700.00} in XX/XX/XXXX The incorrect escrow analysis triggered an escrow shortage, which raised my monthly payment by {$300.00} starting in XX/XX/XXXX. 

I complained about the tax problem multiple times on the phone, and sent emails via their internal messaging system between XX/XX/XXXX and today. I provided them with a copy of my current tax bill from the city of XXXX in XX/XX/XXXX, and they finally agreed to run a new escrow analysis, which I got back today The new analysis shows they still have not gotten the tax information right. The new analysis shows me paying an extra ~ {$3300.00} in taxes over the course of XXXX ( payments in XXXX and XXXX ) that I do not owe. This is on top of the {$1700.00} overpaid in XXXX, and no one can tell me where that money went. 

My actual tax bill due this month ( XXXX ) is {$1400.00}, and the same will be due in XX/XX/XXXX. My escrow analysis shows they're paying the city {$3100.00} in XXXX, and the same amount again in XXXX. That's more than twice the amount I actually owe PLEASE HELP. I can't afford to keep paying an extra {$300.00} per month for taxes that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XX/XX/2022. 

Deposited a {$10000.00} check from Bank of America that was fraudulent. I was unaware it was fraudulent. 

The bank I deposited to put a hold on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank has failed to provide disclosures to for a mortgage after repeated requests to obtain same from XXXX XXXX. The loan application was processed on XXXX XXXX and my credit reports were obtained from the XXXX credit reporting agencies. 

PNC Bank after XXXX weeks, appears to be acting in discriminatory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: PA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The consumer reporting agencies ( XXXX, Experian and XXXX ) has violated 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, EXPERIAN OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-16 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
EXPERIAN has a high risk on my credit report. 
I have good credit. I am demanding it removed! It's been happening for awhile. XX/XX/2022 was most recent.

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 2022-03-16 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: Seattle Service Bureau, Inc
State: LA

Complaint narrative:
National Service Bureau , Inc . 


This company claims I owe {$12000.00} for a car accident where I was rear ended by a mustang where it was there fault for speeding around a roundabout and improper following distance which is on file with a police report. Not only has XXXX threatened to send me to jail if I do not pay back the money I DO NOT owe on behalf of XXXX XXXX, they also have issued a Driver 's License Suspension Request and once I called the company, I was told I need to " Be a big girl and own up to my responsibilities or I will go to jail. '' This company is beyond XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, SELF / LEAD Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, AD XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing the same incorrect and incomplete information in the consumer file and consumer reports concerning me since XX/XX/XXXX. I sent follow up dispute letters on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX, and Experian has failed or refused to sent me investigation results. Experian has also refused or failed to delete information that I have provided proof of documentation as being incorrect. The Fair Credit Reporting Act requires Experian to ensure maximum possible accuracy in the information they compile and include in the consumer file and consumer report concerning me. The accounts I've disputed clearly have errors and are inconsistent from one credit reporting agency to the next, so no one can provide accuracy on those accounts. There's even companies whose names do not exist and are not registered to do business in the State of California, and therefore, must be deleted because I have no legal redress against them. They can not be served with a summons or complaint. I've tried locating their addresses and have not been able to. Experian has not provided me with their addresses. If they do not exist, Experian has no way of contacting them either, and the deletion of these tradelines should have happened months ago. Experian is willfully and intentionally in direct violation of the consumer protection laws and I am being damaged daily. I am suffering from defamation of character, being denied access to credit I would otherwise qualify for if it weren't for the incorrect and incomplete information, and I feel harassed by Experian 's failure to comply with the United States Code, Fair Credit Reporting Act, Code of Federal Regulation, and federal and state consumer protection laws. 

I demanded Experian provided me with a physical copy of the full disclosure of the consumer file concerning me pursuant to Fair Credit Reporting Act 609, and Experian has failed or refused to provide it. I sent this demand to their registered agent for process of service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA  XXXX to ensure that they received it. Notice to agent is notice to principal, and notice to principal is notice to agent. Therefore, Experian has received my disputes and 609 disclosure demand, and I have proof of it. It appears that Experian HAS IGNORED EVERY DISPUTE LETTER I HAVE SENT THEM.

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 2022-03-16 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: WI

Complaint narrative:
I recently checked my credit report and found an inaccurate reporting of a company being published on my credit report. I reached out to to the major XXXX credit Bureaus and ask that this account be verified with the original contract for the account in question. The account still hasn't been verified and is still being published on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
-XXXX  XXXX XXXX : Client in forbearance with XXXX due to Covid-19 hardship. 
XXXX XXXX : Client made a mortgage payment but it was returned, & his file was sent to Loss Mitigation , which asked client to submit paperwork. 
-XXXX. XXXX : Client completed & submitted a loan modification application. 
-XXXX XXXX : Loan modification was denied, no other workout options provided, and payment of past due of about $ XXXX demanded. 
XXXX XXXX, XXXX : Client received a Notification of Assignment/Transfer letter from XXXX XXXX XXXX XXXX XXXX stating that effective XX/XX/XXXX, XXXX was going to be transferring loan to new servicer Selene Finance LP as of XX/XX/XXXX. ( Also, client found out that XXXX XXXX  no longer is investor of his loan, when he tried to escalate this situation. ) -XXXX. XXXX : Client has never received a welcome letter or a statement from his new servicer Selene Finance LP . ( The only letter he received was for him to set up his bank account for automatic payments. ) -In XXXX client also applied and got a case manager from the Virginia XXXX  XXXX XXXX XXXX XXXX ) to help him with the rest of the past due amount to pay Selene XXXX and to bring him " current '' on his mortgage. 
-On XXXX XXXX, XXXX client called with a HUD Counselor & Selene accepted a payment of {$3200.00} ( 6 mos. ) & agreed that on XXXX they would accept {$530.00} monthly payment. ( He wanted to keep his past due payments under 20 months to be able to qualify for the VA Mortgage Assistance program. ) -XXXX. XXXX Client called, & Selene refused to accept payment & stated that Status was : " FORECLOSURE ''. Client has Never been Notified & was shocked! ( He was told, when he insisted, that it went into foreclosure on XX/XX/XXXX ; but no further explanation or letter has ever been provided to client. ) -The other problem is that the client has been requesting and must have A MORTGAGE STATEMENT from XXXX indicating the Past Due amounts so that the VA Mortgage Relief Fund can help him. ( Client is unable to access his online account to print one, as his account is " RESTRICTED '' due to the " Foreclosure Status '' on his account. ) -The client has been working with a HUD Counselor and they have called Selene and to try to get a mortgage statement emailed or mailed, but the representatives at SELENE have said they were not able to. When we asked to " Escalate '' to a supervisor, we've been put on HOLD & then the call gets disconnected.

-We feel we are stuck, and must ESCALATE this situation to the CFPB for HELP and to SAVE this client 's home!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC
State: OH

Complaint narrative:
XXXX called my fathers phone and uncles phone and left voicemails XX/XX/2022 XXXX have contacted and left voicemails repeatedly for me on my XXXX phone. 

But have never called me emailed me or mailed me anything. I need this XXXX to stop!

Company response to consumer: Closed with explanation