vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NowackHoward LLC
State: GA

Complaint narrative:
On XX/XX/2019 I received a demand letter from Nowack Howard indicating I had a past due amount owed. It was the first time I learned of debt. This predatory collection was sent by the HOA board to as much as 10 % of the homeowners by the Board attorney who conveniently acts as the collection  attorney as well. I sent this in response to them on XX/XX/2019 : " I am writing in reference to your letter dated XX/XX/2019 regarding a past due bill of {$420.00} due to the XXXX XXXX XXXX   XXXX XXXX. You are demanding a total of {$750.00} to be paid on a bill that is less than 6 months old that I had no idea it had not been paid. This email will serve as official dispute of the amount your letter indicates that I owe and as a notice to the HOA for failure to provide due dilligence before escalation. I had thought this bill was paid and never received a notice indicating it was past due. The first time that I became aware of this was upon receipt of your letter. I want to pay the amount of {$420.00}. The HOA or its assign was responsible for notifying me that this amount was not paid and I received NO SUCH letter or verbal notice. They failed to provide due dilligence in notice per the HOA docs. " The Association shall cause a notice of delinquency to be given to any member who has not paid within ten ( 10 ) days following the due date. '' The Board has changed management companies and now will not provide me with proof of their mailing or a timeline of when this can be provided. There is a history of erroneous assessments and fines from the prior management company so their credibility is already questionable. This has been handled by the Board in a  completely unreasonable and unprofessional manner and I am officially disputing the amount due to your firm- ( 80 % added onto the amount actually due to the Association ). I would be happy to pay  the {$420.00} due and would have paid it if I knew it still was outstanding 10 days after the due date. Please advise on where to send the {$420.00} as I will pay immediately. In over 6 years, I have never paid a late bill and I take pride in paying my bills on time whereas the practices of the management company have been questionable. '' Ultimately, the HOA waived the late fee but the attorney 's fees have not been waived and I can not pay the HOA unless the attorney is paid first as all amounts paid are applied to the attorney fee first.. Please help as this never should have been sent to the attorney and I am literally forced to pay their fee. As much as 11 % of homeowners have been sent to this attorney incorrectly and upon the advice of the same attorney at the board meeting. This is PREDATORY COLLECTIONS upon the unsuspecting homeowners. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover fraud department incomplete fraud case XXXX I refuse to pay that anywhere from {$2600.00} to {$3000.00} my brother put a car in his mother 's name when he got done with that car disputing charges changeback fraud adult abuse fraud I am on XXXX and so is my mom we can not afford to pay that we are XXXX   XXXX didn't we have the case for a day in the face they just got the paperwork on XX/XX/XXXX starting next month I'm not paying that discover can go to XXXX Far I Care

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in  my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in my favor, also Midland LLC did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I chose this category because it was the closest one that applies. 
I purchased a pickup truck in XXXX of XXXX in XXXX  and got a loan through US Bank which was chosen by the dealer. I got a title in XXXX  and registered the vehicle as usual. In XXXX  the title is issued to the vehicle owner with a lien by the bank until the loan is paid off. After a couple of years I moved to XXXX, became a resident and transferred the registration to XXXX.  In XXXX the bank holds the title until the loan is paid off. Three years later I moved back to XXXX, became a resident and tried to register the vehicle. The courthouse in XXXX  requested the title from the bank by submitting a formal written application. The bank refused to give them the title stating that it is bank company policy to not do state to state title transfers and will hold the title until the loan is paid off if there is less than 6 months left to pay off the loan, which in this case is less than six months. The courthouse has made phone calls to US Bank and I have made calls talking to no less than three customer service reps plus a customer service manager. All have denied giving the title to the courthouse with the same reason as stated above, their company policy. This process was started near the end of XX/XX/XXXX and the bank still won't budge. My temporary tag expired and the courthouse said they can only issue one. Therefore, I can't legally drive my truck. I filed a complaint with a local US Bank in XXXX and he said it would go to a special customer service department because I claimed they were acting illegally. It is still going to take too long to resolve this plus resolving this issue for me doesn't fix the root cause of the problem for all consumers.

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 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I was out of work in from XX/XX/XXXX until XX/XX/XXXX. I reached out to Carrington Mortgage ( the mortgage servicer ) to notify them of my circumstances. The representative told me that I should apply for loss mitigation. I submitted my documents, and I was told that they wouldn't report negatively on my credit report. After approval I made payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
Being a customer of First Bank of Puerto Rico for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in Puerto Rico, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XXXX of 2017, which further strained our finances. During all of this, we continued to communicate with First Bank of Puerto Rico, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted First Bank to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with First Bank, inquiring about any assistance due to the natural disaster and again we were told  that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to Florida to take a government job due to the struggling economy in Puerto Rico.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I Tell the bankXX/XX/2019 Some one stole my money from my account and ask themto close my account directly. 
they promiss me they will do it. but I figure out in XX/XX/2019, someone still take money from my bank. 
I complaint again. the bank they said they cant return my money and cant close 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 2019-12-10 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: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Snychrony Bank/Paypal has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XXXX. I have had two real estate purchases and one car purchase since XXXX and this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active PayPal account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to XXXX XXXX XXXX on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from Synchrony Bank/Paypal to validate this debt. The debt is over 7 years old and I have zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XXXX. All my accounts showed up to date and current. Synchrony Bank has refused to validate this debt! 
So now what? Am I going to get harassed from XXXX? This also needs to be removed from 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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
The mortgage company, United Wholesale mortgage, failed to pay on tax bill even though I have an escrow account with them and there's enough fund in the escrow to cover the tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
At approximately XXXX XXXX. on the above date, a person calling himself XXXX XXXX from I Q Data International, at this phone number ( XXXX ) XXXX, telephoned me in regard to an old rental issue for which I am *not responsible*. Using scare tactics and abusive language, he attempted to garner information he is not entitled to, one of which was how much money was in my bank account. He also called my fianc, my fianc 's mother, brother, and other family members, clearly showing that he was stalking me on XXXX, with the intent of stirring up discord and contention and to humiliate me. Near the end of the phone call, when I asked, What are my options? I'd like to move forward, he said, Well,  good luck to you, and hung up. So all of that harassment of myself and my family was for nothing if he actually intended to collect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: MD

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-12-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Patenaude & Felix, APC ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the XXXX XXXX company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX XXXX XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My Credit Score should be XXXX at TransUnion XXXX and XXXX. I feel I am by Discriminated against because I am XXXX American. I feel all three credit Reporting agencies are giving me low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are several accounts listed on my credit report that aren't mine. Please have them removed. 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 non-monetary relief