vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
In XXXX of XXXX I received a letter of satisfaction from a court stating my debt was paid. A couple weeks later the company called stating I still owed and I said the court said that I do not owe anything as I received this letter of satisfaction. Later the agency called again stating they will garnish my wages if my debt is not paid. 

On XX/XX/XXXX I get a call from the Agency again so I went to let my HR know who was on the phone. She then shows me a letter from the courts with the " Garnishment of wages. '' I am unaware that the company is doing that or of any court dates. As well as I have my letter of satisfaction why am I still being sued for a debt I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
- On XX/XX/2019 I discovered my Navy Federal Credit Union accounts were restricted. I was unable to withdraw money or pay my bills.

- At the time this happened my household had over {$300000.00} with the credit union. This left us in a very difficult position.

- I called the credit union and sent them numerous messages asking them why they restricted my accounts. They only told me there was suspicious activity on the account, but would not explain what activity was suspicious.

- I received a letter from the credit union today. The letter stated my accounts would be restricted for another 30 days and any remaining money in he accounts would be mailed to me.

- I am unaware of any suspicious activity on the accounts. I have been making deposits, withdrawals, bill payments, and cash advances from my accounts for the 4 years I have had accounts with the credit union. Nothing has changed recently. My activity on these accounts has been consistently within the confines of the contracts I have signed with the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending

Complaint narrative:
This is in reference to ClearPath lending XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX CFL # XXXX, NMLS # XXXX. They are using deceptive and persistent targeting tactics against VA mortgage loan homeowners. They are continuing to target me in a campaign that looks as if I have an expiring mortgage account, using my information and my actual lenders name in the letter. I have contacted them and asked to be removed, but they insisted they needed more personal information.

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 2019-09-03 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: IL

Complaint narrative:
This Bankruptcy is not mine!! I've never filed for Bankruptcy!! please remove!

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 2019-09-03 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: PA

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 non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello I am writing this concern/complaint regarding my mother 's house that is in foreclosure. I am not sure where to turn to for help other than here. 

My mother passed away in 2015 and she was the owner of the house. My mother 's name is on the mortgage as well the sole payee. Once she passed, the mortgage was unable to be taken care of. My father ( Senior Citizen ) could not take care of the payment, for it was too high. He went into XXXX   XXXX. 

The original loan was handled by XXXX. My sister tried to work with them, but they toiled with her for so many months. Then, one day, the loan was given to ShellPoint Mortgage which we are still confused about. We tried to work with them, but nothing. After that, we were told that someone else is in charge of our loan, but have no idea who. 

We are in state of confusion about what is happening. No one is talking to us or explaining really what is happening. 

I read that you have policies in place to protect the passing of loved one 's who where owner 's of homes, as well the heirs to the homes. We were not given any instruction or help in regards to that. 

At this point, we are in dire need. We were not aware of your service before and looking to you for help. 

The amount of the loan is around {$300000.00}. My mother was the owner. The original bank owner was XXXX. We are based out of XXXX, California. 

My email is : XXXX 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 2019-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , TX XXXX   ( XXXX ) XXXX Last Payment Made : : XX/XX/2016 High Balance : {$260.00} Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/2016 Date Paid : XX/XX/2016 XXXX  has been reporting a collection on my credit report since XX/XX/2016. Have always been current with XXXX  still am. I called and written to XXXX on several occasions only for them to state that they can not find this account in their system, thus can not issue a deletion letter or remove it from the report. XXXX  keeps telling me to dispute with the bureaus but bureaus coming back stating " it was been verified and will report for up to 7 years '' ... who is lying and who is violation F.C.R.A. here ....

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 2019-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , TX XXXX   ( XXXX ) XXXX  Last Payment Made : : XX/XX/2016 High Balance : {$260.00} Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/2016 Date Paid : XX/XX/2016 XXXX  has been reporting a collection on my credit report since XX/XX/2016. Have always been current with XXXX  still am. I called and written to XXXX on several occasions only for them to state that they can not find this account in their system, thus can not issue a deletion letter or remove it from the report. XXXX keeps telling me to dispute with the bureaus but bureaus coming back stating " it was been verified and will report for up to 7 years '' ... who is lying and who is violation F.C.R.A. here ....

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 2019-09-03 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
Been charged a fee of XXXX a month for the past 11 months by a company called Citizens One Personal Loans. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with XXXX XXXX and they stated that Citizen One sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before nor did I ever know about them. Upon further investigation I have come to realize that XXXX XXXX XXXX works with Citizens One and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. Did I mention they are charging me for equipment that isn't working? 

I've contacted Citizens One many times telling them that I did not agree to these terms and I was not aware of any additional equipment charges and they continue to call and harass me. I've told them I want everything in writing and they said that they do not write letters and they are going to continue to call and harass me. 

I have not signed anything or agreed to any of their terms and I am continuously getting charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
On XX/XX/2019 I was issued a paid-in-full letter from Freedom Financial. They continue to report an incorrect balance of {$12000.00}, when, in fact, there is XXXX balance due to them. I have paid the account in full and I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I was contacted by IQ Data International repeatedly on behalf of XXXX XXXX Apartment in XXXX XXXX for a debt that is listed on my credit report. On XX/XX/XXXX, I was contacted by a representative of IQ and was yelled at, berated, and talked over, after I told him I was not able to speak at the moment since I was picking up my XXXX XXXX XXXX XX/XX/XXXX from school. Because of our interaction, I called back and asked that the representative be taken off of my account. Instead, I was routed to the same rude representative who continued to yell at and harass me before connecting me to his manager, who introduced himself as an Operations Manager. From there, the operations manager demanded that I tell him why I wanted the representative off of my account. I told him I could not tell him because my daughter was in the car and I didn't want her to hear it but that he could replay our conversation since the calls are recorded. He then rudely and loudly reprimanded me for not wanting to talk to him and I told him I had every right to ask that the representative not call me anymore. From there, the operations manager slammed the phone down, hanging up on me. Their tone and language was so harmful that I almost had my husband call them on my behalf. Instead, I am passing along this information to you.

I was previously going to speak with them about discussing the account 's validity and resolving the debt but now I do not want ANYONE from IQ Data International to contact me anymore and it frightens me that many people are facing this type of harassment and abusive tone and language everyday. They should no longer be in business and I have no idea how they are successful in collecting debts if they are bullying, harassing, and berating consumers like this on a daily basis. With their  behavior, I wouldn't be surprised if customers DIDN'T pay them, just out of fear of interacting with them. I have never in my life been so disrespected by people who are asking me for money. I understand that everyone has a job, but that doesn't give people a right to behave in such a barbaric manner. 

To be clear, I would like them to be removed from this industry or, in the very least, be penalized for this behavior. I also do not want anyone from IQ Data International to  reach out to me ever again. If I continue to be harassed, I WILL hire an attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Ive filed a claim and they keep siding with the merchant even though they have no proof for why they charged me and the credit card company keeps transferring me to other departments when I try to call and handle the situation because I definitely did not authorize these charges and would like my money back

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 2019-09-03 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: IL

Complaint narrative:
These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
For the last couple of months I have been trying to complete a loan modification with my lender but they keep asking for repetitive documents. I have provided proof of my hardship which is my husband lost his job. I am concerned that they are going to try and place a sale date on my home when I keep sending documents over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I requested debt validation including a copy of the original contract but only received a copy of an account statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
1.XXXX XXXX XXXX  XXXXXX/XX/XXXX
2.portfolio recovery $XXXXXX/XX/XXXX

inquries
1.XXXX XXXX
2.XXXX XXXX  
3.XXXX XXXX na
4.XXXX XXXX XXXX  na
5.XXXX XXXX 
6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have tried to receive help from Nationstar LLC a/k/a Mr. Cooper, but their process is confusing. It responded to a compliant I sent to the CFBP, but I indicated in my response to its answer that it was confusing and Nationstar LLC did offer any assistance or a clear evidence as to why it will not provide a loan modification nor other program to help. It told me to write to their representative. I have attached my letter to this complaint. However, I have written to their representative, XXXX XXXX, more than once, and I have not received a response to any of my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: NY

Complaint narrative:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is charging me {$1000.00} and keeps reporting it every month. I told them that my phone was stolen and tried to keep contacting customer service to shut down my plan 3 years ago and would never listen to me. This occurred over 3 years ago but they keep reporting it and would not take any of my calls after numerous attempts to try to contact to fix this issue immediately. 

XXXX is charging me from XXXX XXXX of XXXX XXXX. I fell and hit my XXXX at XXXX XXXX because the floor was wet and hit on my XXXX   on marble countertop. They insisted on calling the ambulance and getting a XXXX. I tried to refuse but was forced to do so and have many fees associated with that including {$180.00} fee from the XXXX Department of a XXXX I never received! 

My ex, XXXX XXXX, opened up credit card accounts under my name during our relationship including numerous accounts with XXXX XXXX XXXX and drained all the money : {$670.00} {$950.00} XXXX XXXX XXXX with open balance of {$500.00}. I got a restraining  order  XXXX from my ex 5 years ago but the amount of fraud that took place during that relationship was detrimental to all my finances. Not only did he drain all my bank accounts that I saved for my tuition for school at the time ; he falsified my name on numerous credit cards and damaged my credit for years to come. For the past 5 years I have tried to speak with XXXX XXXX and XXXX XXXX XXXX XXXX   about this identity theft and they will not budge nor help me. I was recommended by financial analyst to come to the Bureau so that I can finally help improve my credit. 

I am looking to pursue my education and get my XXXX and want to move to do so. Growing up after my father passed, I wanted to be able to provide one day for my mom and at the age of XXXX I feel strongly about this desire. After working corporate and start ups for the past 7 years I feel that it is time to be able to finally accomplish this dream. I know it might not seem like a lot but these debts have been causing so many issues over the years and I want to be able to move forward and I don't feel right paying someone's debt who abused me financially and I was wondering what I could do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my 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 2019-09-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report

Company response to consumer: Closed with explanation