vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA

Complaint narrative:
The XXXX cut off my benefits i have a court order

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 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates
State: FL

Complaint narrative:
First time they called they asked for my son who is a minor child I stated to send everything via mail and also to verify and submit proof as I did not recognize this debt - sent them a letter as well but to date they keep calling me to collect a debt which they have not provided proof and also keep calling after requesting to send all communication in writting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
RMP LLC contacted me on XX/XX/2021 at XXXX XXXX. I spoke to them for 2 minutes. I asked them for an itemized bill and to only contact me through mail. I explained to them that I work XXXX daily, and I was at work when they called, and I don't want to get fired for having to answer my phone. 

They called again XX/XX/2021 at XXXX. I did not get a chance to answer that phone call because I was working. 

They called today, XX/XX/2021 at XXXX. I spoke to them for 3 minutes, and repeated what I have said previously, and then asked them for their email address and informed them they were violating debt collection laws and I would be lodging formal complaints, and once again asked for an itemized bill and for them to only contact me through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After reviewing my credit report I found some errors on the reporting of this closed account. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on this account. As you are aware there can only be one high balance on an account. 
You are also reporting payment history in 2019 on a already closed account to XXXX. 
Payment status also differs across all three credit bureaus. 
Late payment history is also being reported differently across all three credit bureaus This ACCOUNT HAS NOT BEEN PROPERLY VERIFIED SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The first time I learned about this debt was when I received word from my company payroll department that I had a lien filed against me in the amount of XXXX from a judgement filed in the State of California XXXX XXXX in XXXX through Midland Credit Management. The debt was from a card opened fraudulently in my name back in XXXX. It was charged off in XXXX. At that time, I filed a police report with the XXXX XXXX police department which is where I was living at the time. That information was provided to the credit reporting agencies and the credit card company XXXX XXXX where the issue started. I had no idea this was still active in any way, I received no information about this until the lien. I contacted Midland Credit Management and was told the dept was legitimate and if I wanted to dispute it I would have to send a notarized letter stating it was not my debt along with the police report and a new police report if I didn't have the previous one and that it would take a month to process. I contacted XXXX XXXX who informed me they no longer had any information to assist me, that information that old is not held onto. 
Midland Credit Management followed up with a letter threatening that if I disputed this claim, that dispute process would go on my credit reports causing a negative mark on it. The amount they claimed I owed also changed from XXXX to XXXX. They did not send any of the court paperwork, any letters ever stating I owed this debt, nothing other than the letter and a very small unclear print out of what appears to be a credit card statement from XXXX XXXX dated XX/XX/XXXX to XX/XX/XXXX. They refuse to address my requests for information. When this case was filed they ( based on what information I could find ) had my correct address on file yet sent information to an incorrect address where it was apparently signed for. I believe this to be a tactic used to bring to court to get the judgement. I have attempted to contact the court to understand what rights I have to fight this but due to covid restrictions and the court is over 120 miles away from my residence, I have had no success. Midland Credit Management intentionally withheld information, intentionally filed this case over 100 miles away from my residence, is falsely collecting a debt that was closed out in XXXX and gave no information during this injustice and continue to not provide any details to this. They used the courts in California to perpetrate this crime. I want my money back and want to file charges against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on XXXX this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on XXXX ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...

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 2021-06-08 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: GreenSky, LLC
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/21, I was charged {$1800.00} by XXXX on my Fifth Third Bank credit card ending in XXXX. This transacation was then cancelled by the merchant on the same day XX/XX/21, and a credit was issued to my card. As of XX/XX/21, the original transaction has already posted to my account, but I have second debit transaction pending for {$1800.00}. So, I effectivey have two amounts of {$1800.00} being subtracted from my total available credit, one that has posted and one that is pending. I called Fifth Third Bank on XX/XX/21 and spoke with a customer service representive, a supervisor, as well as, had a chat conversation with an employee via the Fifth Third Bank website. All employees said that they can see that the second transaction is actually a credit, but could not explain why it would be subtracted from my available balance. All three simply said that this is the that Fifth Third Bank handles credits. I am not asking for the credit to be posted early to my account, but simply that the second credit transation should not be taking money away from my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE SUMBITTED A COMPLAINT WITH CFB REGARDING FRAUDULENT INQUIRIES WITH XXXX  XXXX. AS A RESULT XXXX  XXXX AGREED TO REMOVE THE INQUIRIES DUE TO IT BEING CONFIMRED AS FRAUD AND NO APPLICATIONS COULD NOT BE LOCATED IN THEIR SYSTEM TO THIS DATE EQUIFAX HAS REFUSED VIA PHONE AND MAIL TO REMOVE THE INQUIRES. I FAXED AND MAILED THEM THE LETTER FROM XXXX  XXXX ADDRESSED TO CFB AND THEY STILL VERBALLY SAID NO. 

I WAS TREATED AS A CRIMAL BY THE REPRESENTITIVE WHICH IS VERY DISAPPOINTING. 

EQUIFAX IS THE ONLY CREDIT BUREAU THAT HAS REFUSED TO COMPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: DISCOVER BANK
State: NJ

Complaint narrative:
These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX  and XXXX  1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX of Arizona, by way of their collection agency Synerprise Consulting, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with XXXX twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 unauthorized inquiries were on my credit report and it is damaging my credit. 
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 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Having issues with capital one card ending XXXX I unfortunately was late only one time in XXXX XXXX XXXX spoke to XXXX at XXXX due to not being able to get into their portal so I had to call In and explain the situation. The agent ask me if I had any issues paying due to covid which I did.She took an application again to waive the fee and stated that I did not have to pay but I did pay however I notice following months my monthly bill was not reset nor did the balance go down so I immediately call In and reference my call again and was told to me a letter will be going out after they look into XXXX and XXXX calls and the applications I did twice remind u only late once. 

This has been. An ongoing nightmare and still have not received anything via mail. 

I also called today and mention to him reason why I'm calling and stated no letter came to me. I explain that they dont send out letters it appears every time I call it's something else with no resolution. 

I also asked him about agency that oversee credit card issues and instead of him looking into it from his superior it was stated to me which is incorrect that it is no agency or dept that assisted with customer issues which again. Is incorrect info which is evening more frustrating. 

This is the worse credit card thus far I regret ever having it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a check for {$150000.00} ( check no XXXX ) to XXXX C/o Nationstar Mortgage LLC with a letter to apply that amount to my principle. The check was not cashed. I called on/about XX/XX/XXXX and was directed by the associate to put a stop on the check as lost. He connected me to XXXX XXXX XXXX XXXX and I did as instructed. 

On XX/XX/XXXX, I sent a second check for {$160000.00} ( check no XXXX ) by priority mail with a letter of instruction. It was received by Nationstar on XX/XX/XXXX. I have the postal receipt. That check has also not been cashed. 

I called again on XX/XX/XXXX to inquire about the progress of their investigation for the lost 2nd check. I was told by the associate that they can not locate the 2nd check either. 

I am concerned that there is the possibility of fraud or at the least gross negligence occurring. Both checks were written from the XXXX XXXX XXXX XXXX  account. XXXX appears to be the principal for their agent Nationstar Mortgage LLC. 

I want this matter investigated as to what procedures and policies are in place by both Nationstar and XXXX to prevent these occurrences and why they have failed twice to prevent this incompetence. 

I also want the name of an individual to whom I can direct certified mail in order to send a 3rd check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a purchase using my AmazonPrime store card ( Syncrony Bank ) on XX/XX/2021. The hose reel cart was purchased from " XXXX XXXX XXXX '' in Texas for a total of {$130.00}. I found the same item at our local XXXX XXXX store for {$99.00}. I asked Amazon for a return. They referred me to XXXX XXXX XXXX. 
They refused to return the item. I contacted XXXX on XX/XX/XXXX and filed a dispute on the hose reel charge. I contacted Amazon to complain about their seller. XXXX XXXX XXXX provided a return shipping label on XX/XX/XXXX. I returned the item Using the XXXX label provided on XX/XX/XXXX. Amazon refunded the {$130.00} to Syncrony bank on XX/XX/2021. 

It is XX/XX/2021. I have contacted Syncrony bank several times in the past 2 months about the {$130.00} charge that still appears on my account. I asked Syncrony to cancel the dispute.They said that the dispute dept. has not completed their work. Today, the rep from Syncrony said that it will take another 60 days. Something is wrong. 

Syncrony bank has fraudulently charged my account, though the payment was made by Amazon on XX/XX/XXXX. Syncrony still charges my account when I requested that the dispute be ended. I spoke with Amazon again today. They asked me to call Syncrony again. I am now on hold with Syncrony for over 30 minutes.

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 2021-06-08 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Due to CARES Act/COVID 19. My accounts with Comenity Bank ( Victoria Secret, XXXX XXXX XXXX and XXXX was reporting inaccurate information. Please review my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have been on COVID-related forbearance plan for more than a year. Last week I contacted my FHA mortgage service provider 's Home Preservation Department ( Wells Fargo ) to walk me through the loss mitigation options that I will be eligible for after the forbearance plan expires. I was told that income documents will be required for the following two loss mitigation options : ( 1 ) COVID-19 Owner-Occupant Loan Modification ( 2 ) COVID-19 Combination Partial Claim and Owner-Occupant Loan Modification. 

My understanding - based on the Mortgage Letter XXXX, dated XX/XX/2021, from the U.S. Department of Housing and Urban Development - is that no income documentation is required from borrowers for the two options stated above. So, I request you to clarify this matter and ensure that Wells Fargo consistently provides accurate information to its distressed borrowers.

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 2021-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The company Santander was contacted for reporting misinformation on my credit report, both XXXX and XXXX  were contacted as well to verify the information on file. The bureaus stated that they could not remove the information provided by the company Santander. The account is currently in charge off status, the written off amount was for {$6600.00} however the listed amount says {$7500.00}. When an account is in charge off status it is not supposed to accrue any fees or interest. Between the two of the bureaus, each of them show misinformation about the accounts, in which it's causing derogatory marks on my report giving it a negative impact. While I understand that each report may not 100 % reflect that of another report, if the same information is being reported to each of the bureaus then the reports should reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: The Outsource Group, Inc
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation