vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: HI

Complaint narrative:
- Signed a lease with a company called XXXX XXXX XXXX in XXXX, Illinois. At the end of the lease, I was charged for moving out and the outstanding balance was XXXX. I sent them e-mails requesting proof of the damages and documentation about the fees and only heard from them once but they didn't reply after that. 
- 6 months later I receive a notification from XXXX  that my account now has a collections item. 
- I have never received any phone call, e-mail or mail from the collection agency. 
- Called the collection agency and they kept putting me on hold and hanging up. 

Moving out date : XX/XX/XXXX E-mail Realty company : XX/XX/XXXX, XX/XX/XXXX Notification from XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I made a clerical error which left me with a payment slightly short. An agent called me to let me know I was showing a past due balance and to avoid a 30 day late, I could pay over the phone. I did so and then the company reported it anyway. I have called numerous times, filed disputes but to no avail.

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: APPLE RECOVERY SERVICES CORP
State: NY

Complaint narrative:
Good afternoon, I received a collections letter from Apple Recovery Services dated XX/XX/XXXX stating they have purchased the debt originating from the store XXXX XXXX XXXX. This debt was on my credit report in XXXX and aged off after 7 years and the store filed chapter XXXX bankruptcy in XXXX. 

On XX/XX/XXXX, I called Apple Recovery Services XXXX to ask about this matter and they admitted the debt was on my credit report and aged off and they will not be able to put it back on my credit report but that they will continue to harass me with collection letters until it is paid in full. They continued to attempt to collect the money. 

I would like to report this fraudulent activity and harassment. Here is their contact info : Apple Recovery Services XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit System has reported a collection on my credit report that is false and inaccurate in the amount of {$4400.00} of XXXX 2020. I have contacted the credit bureaus directly and they are not removing the collection account per the regulations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am writing today in regards to my account with CITIZNSBANKNA Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment for the XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I engaged with my current loan servicer for a refinance because I was led to believe that I would be able to skip two mortgage payments. I did everything that was asked of me, and a closing date was set ( XX/XX/XXXX ). The day after signing all the documentation at closing, I was told that the loan would not actually close until a week later ( XX/XX/XXXX ), thus making me late for my current mortgage ( XXXX XX/XX/XXXX ). This puts me in the position of paying a three thousand-plus dollar mortgage payment or having a late payment go against my credit report ( plus fee ). I was misled and it feels like I am now being held hostage. 

I asked via email a number of times to ensure that I would not be late on this payment, and every time they said " if we close before the payment is due, you should be fine. '' And only after I signed the closing docs did I find out that the closing date was a week later than I was told it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Phoenix Financial Services LLC

Complaint narrative:
I live in XXXX XXXX, the calls come in in the middle of the night. 
I have told them as such and they hang up. This is a recent, since XXXX. 

These calls from Phoenix financial XXXX, XXXX Maryland XXXX XXXX XXXX, Maryland, XXXX, XXXX Maryland, XXXX XXXX, Maryland, XXXX XXXX  XXXX, Maryland, on caller Id . will hang up once I try to handle their problem. 

I ask pointed questions about the false claim to collect some mystery debt and then they hang up on the phone, when I try to investigate where this alleged debt comes from. which leave me powerless to clear this mystery debt up. 

So I have no idea what unsustained debt they claim to be collecting on. Furthermore I have not lived on the East Coast of the USA for 6 years. I have lived a debt free life since XXXX. I have been a XXXX XXXX XXXX, and the last two residences I have owned and lived in for 25 years has been mortgage free : paid cash in-full. I pay cash for my homes and vehicle since XXXX. I pay my credit card balance off every month since XXXX. I carried a balance and paid interest on my credit cards from XXXX to XXXX to finance, while working and attending XXXX XXXX, to pay for my wedding. 

What ever the alleged debt is I am not being proved with information too dispense of it. I get theses calls to collect, and not manage. From where I sit, I am not being provided with any information on the claims to address and rectify. Phoenix Financial only has an interest in collecting a mystery debt. 

These calls started to come into my phone XXXX. AS I have previously stated I have not live in XXXX Maryland for 6 years+ years, specifically I departed XXXX Maryland XX/XX/XXXX, and only kept a non resident presence in XXXX Maryland unto XX/XX/XXXX. I also have been living in XXXX, XXXX XXXX, XXXX for 3 years. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
My husband and I purchased our home in XX/XX/XXXX where the financing we were offered was a first mortgage at 80 % and a second mortgage at 20 % thru XXXX XXXX XXXX  XXXX where those terms were set forth with an adjustable rate on both mortgages. The second mortgage we believe was assigned to a new servicer around XX/XX/XXXX however, we did not receive any new payment information and/or documentation related to a new servicer and our payments were never auto-deducted as previously setup. XXXX rolls around and we run into some financial difficulties where we applied for a mortgage modification thru our first mortgage servicer and believe somehow they wrapped that second mortgage into the modification thru XXXX XXXX XXXX but we did not and have not receive any documents related to that modification. We have made attempts to obtain a copy of all the documents related to the modification and both mortgages in general. Without hiring Counsel at this point we are trying to decipher how our first mortgage which had an original balance of {$86000.00} is now showing an outstanding principal balance of {$140000.00} and our second mortgage which had an original balance of {$21000.00} is now showing an outstanding principal balance of {$47000.00} and the amount listed on the Notice of Mortgage Foreclosure Sale is showing claimed amount due of {$61000.00}. The Sheriff 's Sale took place XX/XX/XXXX but we have now received a letter from Specialized Loan Servicing that the second mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX Management does not have a website and I believe this is another step SLS is taking to further prohibit us from obtaining documentation related to the mortgage as we seek resolution.

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 2021-01-13 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XX/XX/2020, I applied for an Amazon store card at Synchrony Bank. I was told by Amazon that I needed to do this to qualify for the {$100.00} store card as a promotion related to purchasing a new cell phone. There was no response and I made many telephone calls many of which were " dead-ends ), having to process through a menu. The menus always asked for an account number which, of course, I did not yet have. I finally reached someone who was no help ( he also asked for the non-existent account number. I realized that they may be having a problem assessing my ( perfect ) credit since I had frozen my credit bureau accounts. I immediately unfroze the account and still could get nowhere with the bank menu, or agents. They told me a different department would let me know the results of my application. I never heard from anyone. I re-applied and unfroze my account again. Again, no one would confirm why I was not approved. This remains the state of affairs. I will unfreeze again if they just advise me that they will review my credit and approve ( or reject ) my credit. I have never been turned down for credit! Amazon was totally of no help here, 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 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
The 30 day lates ( XX/XX/19, XX/XX/19, XX/XX/19 ) still shows me delinquent on all XXXX  XXXX and XXXX XXXX credit bureaus. This loan was paid in full by XXXX XXXX  via transfer. This is affecting my credit score and my ability to refinance. 
Please investigate and have this fixed and show the account paid.

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 2021-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
Continued daily calls and messages all day to me and my family contacts and work contacts. 

I told the lady to stop calling. I will pay what I owe on XXXX2021 the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: NJ

Complaint narrative:
My wife and I have a student loan with Sallie Mae. We made and payment to Sallie Mae and then followed up by calling because account was still showing up passed due. Once my wife and I called them and told them the information was incorrect and asked for issue to be fixed, they continue to investigate the issue and always said to us that the issue would be fixed in the next 2-5 business days and the issue never was fixed. We continued to call and nothing was done. I decided to end it and make the payment they said was owed. Once I made the payment, the company reported we were passed due and immediately my credit score took a hard hit. I then again called back and still nothing was attempted to be resolved or fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I received an alert on XX/XX/2020 on my credit monitoring service from XXXX, that Amsher collection service place an action on my credit reports for an unpaid debt without contacting me and providing notice to potentially pay the debt. I have never received an email, phone call, or written communication from them. As a result this, has negatively affected my credit. I am asking that this be removed from my credit immediately and without hesitation. The last four of my SSN is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal won't transfer my funds to my bank account. PayPal charged my bank account directly to refund an XXXX  XXXX  ( without my consent ), while placing the funds originally paid by the customer on hold. Why didn't they refund with the money on hold? I've been waiting for them to transfer original funds which have been on hold for a long time now. Customer serve and chat representative are technically nonexistent. This entity is disgusting! I encounter a problem every single time I have to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I checked on my homeowners insurance policy because I am planning to refinance. I find out that my policy was not paid through escrow on XX/XX/XXXX as required. Chase collects escrows and is responsible for this payment. They paid it in XXXX, no changes to policy/carrier/etc, but they did not pay it in XXXX. I contacted Chase - they state that they received the cancellation notice from XXXX, but never received a renewal invoice. This is suspsicious and likely XXXX  - all would have gone to the same address, and of course they received the renewal invoice in XXXX and nothing has changed. Regardless, they should have been proactive on the payment as they are the ones collecting escrows and are obligated to keep my insurance active. Chase was incredibly obstinate and unhelpful, and is refusing to refund my escrows even though they are collecting money from me without paying the required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe I am a victim of Identity theft, because these items ( below in the report ) I do not recognize, I think somebody used my personal data and information otherwise I can not understand how they appeared in my credit report. Please figure out the details and remove these accounts from my credit report.

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe I am a victim of Identity theft, because these items ( below in the report ) I do not recognize, I think somebody used my personal data and information otherwise I can not understand how they appeared in my credit report. Please figure out the details and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: U.S. BANCORP
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX US BANK XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX  XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-13 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: LEXISNEXIS
State: TX

Complaint narrative:
The only reason I found out about this error is because I applied for a mortgage and the mortgage lender said I had to wait another 1.5 years for the judgment to be 2 years old on credit. This inaccurate information has caused me to not get approved and possibly losing my {$4000.00} in earnest money. 

I applied for credit with the mortgage lender and they pulled factual data and then used LexisNexis Risk Solutions to check public data and judgments. The 3 credit bureaus no longer report judgments but LexisNexis does, this is how I was able to see it was on my record and reported incorrectly. 

I went to court in XX/XX/XXXX on a XXXX account that was charged off in XXXX. Before the 7 years was up, XXXX XXXX sold the account to XXXX XXXX XXXX and They got a local attorney to take me to court on an account they charged off meaning they wrote the debit off on taxes then collected for the debit they wrote off. 

When I went to court, I immediately agreed to settle the account for less than half of what was owed. The attorney XXXX XXXX should have immediately sent the release or satisfaction of judgment which would have been dated for XXXX but instead, according to the court house, they sent the release XXXX of XXXX. This caused the satisfied judgment to appear as it was satisfied in XXXX XXXX instead of XX/XX/XXXX. Mortgage lenders require judgments to be satisfied for 24 months which has caused me harm due to the miss reporting from all parties involved. 

Not only was the judgment released 5 years later by XXXX XXXX, but was reported inaccurately to LexisNexis on an unpaid creditor debit that was charged off 7-11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are currently numerous inquiries listed on my credit report that I did NOT initiate or authorize. This was a result of malpractice or an error.

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