vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
I opened a XXXX  Mastercard by XXXX XXXX  on XX/XX/XXXX.The account was closed by XXXX XXXX in XX/XX/XXXX sinceI started in a debt relief program : XXXX XXXX XXXX  XXXX. I remembered I paid in full my account ; however I received a debt collector letter from Dynamic Recovery Solutions , LLC : XXXX XXXX XXXX, XXXX SC, XXXX. This collection DRS Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card  so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to Dynamic Recovery Solutions , LLC and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, Caliber Home Loans ( Caliber ) began servicing my loan on a new home purchase that I closed on in XX/XX/XXXX. 

In XX/XX/XXXX, my mortgage statement increased 40 % from {$1900.00} to {$2800.00}. I contacted Caliber to find out why this happened. I was told it was because of a new escrow analysis and that my taxes and insurance had nearly doubled. My taxes and insurance did not double. My taxes actually went down due to a homestead exemption, and my insurance remained the same. 

I later found out that the initial escrow analysis was done on a prorated basis due to me purchasing the house mid-year. Another contributing factor was the house being a new build, so property taxes were originally just assessed on land value and not the land value plus improvements. 

I work in the housing industry and after doing some inquiring, I discovered that the original escrow analysis was done incorrectly. Caliber should have taken into account that my taxes would include improvements into XXXX, and they should have estimated what my insurance and taxes would be for a full year when they began servicing my loan in XX/XX/XXXX. 

They did not. Instead, they expected me to make-up an escrow shortage they created by increasing my mortgage payment 40 % for the duration of XXXX. 

I've talked to representatives from Caliber on four occasions from XXXX to XX/XX/XXXX, and I also submitted an inquiry electronically via their website. They prorated my escrow shortage over 60 months, but I have told them that this isn't an acceptable solution. 

I've asked to speak with someone from their escrow department, but I was denied that request. I've asked to speak with someone more senior in their organization, and I was told that someone would call me. That call never came. They responded to my inquiry via their website and stated that my issue had been resolved. It hasn't been. 

At this point, my current mortgage statement isn't an accurate reflection of what I should have been paying all along had the escrow analysis been done correctly in the first place, and it remains more than I've budgeted for. Separately, I don't know what's going to happen when my property taxes will be due in XXXX, and my escrow account won't have enough to pay for them. 

I feel like I've exhausted my options with Caliber and reluctantly am forced to compel them to resolve this through this complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was attempting to buy a XXXX off of XXXX XXXX. The seller asked me to transfer money from my bank to him through Zelle. After I asked for pictures and everything to make sure it was a legit product I sent my first payment of {$500.00} and did not receive any message from the seller since then. I have no hope of receiving the product and the seller has refused to answer my contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: SC

Complaint narrative:
I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: SC

Complaint narrative:
I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!

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 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I moved out of an apartment and after moving out I noticed I had been sent to collections. 

I asked for information as to what the charges where and I was told that I was in collections and they no longer had the information and stated that due to corona virus they were short staffed and could really help me. I was told it was " damage '' assessment after I moved out but I was NEVER notified and I wasn't aware of any damages. 

I contacted the collections agency and told me that the only information they had was an amount and could give me further information. 

I dont know where they are getting the amount from and no one is giving me information I was just sent to collections. 

I asked for them to remove since I wasn't informed but they refuse to verify amounts or give me any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On [ XX/XX/2021 ] I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: VA

Complaint narrative:
I am locked out of my Experian ACCT by the hackers I reported. I reported identity stolen 3 days ago. Today I got alert someone hit my LOCKED CREDITN DROPPED CREDIT SCORE 11 PPoiNTS. PLEASE ADVISE EXPERIAN TO REMOVE FRAUD ATTACKS AS. CREDIT IS FROZEN. Return 11 credit points to my credit, please.. THANK U

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 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo account has been updated account numbers and overdraft fees over and over also payments are not being paid on time so credit card limit has been decreased for that XXXX XXXX account was not paid on time

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 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have received an email yesterday which says I have a collection account by Online Information Services where original creditor is XXXX XXXX. 
However I have never opened any account with XXXX XXXX, they also have informed that when I called the company in the very next morning which also is a strong proof that I am facing with an identity theft. Then I started to call the credit bureaus for filing dispute on this account and then I have also called the collection agency, Online information services. They told me that this XXXX XXXX account was opened in XXXX, in XXXX XXXX XXXX where I have never lived. 
I would like to dispute this fraud account and remove it from my credit history. I can provide all necessary documents for that. 
Thank you Best Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Conduent Incorporated
State: AL

Complaint narrative:
I have been trying to find out how to get my account number and my routing number to my account so that I can have money direct deposited into my account and don't know my bank name, I can not find any of that information anywhere and I need it to receive a direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: MA

Complaint narrative:
American Coradius International LLC has willfully and knowingly violated Federal consumer laws. They have commited multiple FDCPA violations which includes contacting I, the consumer, without prior consent pursuant to 15 USC 1692c ( a ). Cease and Desist order was mailed out XX/XX/2021 and they continue to contact me about this allege debt pursuing payment which is a direct violation of 15 USC 1692c ( c ). Attached are all records of mailing and Bill of Particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
cavalry potifolo was pay in full before collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX On XX/XX/XXXX Discover Bank sent a person to serve me a FAKE civil court summons. They did not serve me directly they served my brother. A statement of this incident of harassment has been attached in the pdf. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : DISCOVER BANK The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Not verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
XX/XX/2021 I have sent DIVERSIFIED ADJUSTMENT a Affidavit, Cease and Desist, and enforcement action with invoice attached. The company has committed identity theft, they have taken my information and has furnished unverified/non-factual information on my consumer reports to attempt to collect a debt, this is a violation of both the fair debt collection practices act and fair credit reporting act. I the consumer has received injury due to the willful and intentional robbery of my identity, they have impeded my consumer report without direct permission from I the consumer, I have never had any type of contract with DIVERSIFIED ADJUSTMENT, understand DIVERSIFIED ADJUSTMENT has committed federal violations towards I the consumer. They should have never had any of my informationn without consent or contract, I Demanded that DIVERSIFIED ADJUSTMENT pay the invoice for each individual action committed and removal from all credit reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Source of dispute information : Navient Solutions , LLC Type of disputed information : Inquiry Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : This loan was issued under predatory pretenses. Navient Solutions lacked transparency about unfixed and variable interest rates. I was not given valid information about repayment options and was consistently given increased minimum payments despite reaching out to lenders as an attempt to keep the loan in good standing. 

The account with Navient Solutions monthly payments exceeded monthly gross income. I experienced financial hardship due to job loss and as well as the continued financial hardship due to the coronavirus pandemic. Reached out to the company about lowering payments so I can keep the loan in good standing but there was an issue with lowering monthly payments. I have even attempted to set up a payment delay with the lender but was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Purchased a used XXXX XXXX from nissan of XXXX on XX/XX/2021 ... was told my payments were going to be around XXXX then was told to see a guy named XXXX to finalize the paper work ... XXXX begin offering me additional services the extended warranty..my main concern which i expressed to XXXX was will my payments go back to the original quote if i could no longer afford the extended warranty and he said yes absolutely ... so i took the extended warranty but the next day i called to cancel it.. XXXX said he had not put the information in the system but it will take 30 days to cancel.. i said if its not in the system then just dont put it in he said he had to in order to cancel it..so for 3 weeks i was given the run around to cancel the extended warranty..was being told XXXX was not in dont know when he would be in, that he was theg only one who can cancel it ... being sent directly to his voice mail or wrong person ... so i started showing up in person and was being told Noone was available to do it until the 3rd time i went in and said im not leaving and i will make a scene ... so they got one of there salesman to cancel it ... so i then was asking the guy about my payments going back go its original quote he stated that once i cancel the payments stay the same i told him thats not what XXXX XXXX told me .... i then reached out to the general manger who tried to sell me a up grad or to return my car he also said he would redue the the paperwork go honor what XXXX had yold me but he needed to pull my credit to do XXXX question pulling my credit if its just paperwork to later find out he was trying to refinance me ... i said you pulled my credit about 10 times already my credit score has been hit enough and its not the same as before so you cant pull it ... i to the invitation to come out and look snd the upgraded car from the general manager so that i can talk with him face to face but when i got there XXXX XXXX me XXXX XXXX the general manager was busy but he would be assisting me ... he showed me the car i said no and drove off ... 3 minutes late the general manager XXXX XXXX called me and asked why didn't i take the upgraded car ... I said you guys are full of it and hung up ... i also called Nissan finance and spoke with them and they said they dont have anything to do with it its up to the dealership ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I opened a XXXX Mastercard by Comenity Bank on XXXX.The account was closed by Comenity Bank in XXXX sinceI started in a debt relief program : Freedom Relief Debt Program. I remembered I paid in full my account ; however I received a debt collector letter from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX SC, XXXX. This collection XXXX Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to XXXX XXXX XXXX XXXX XXXX and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CA

Complaint narrative:
I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the following accounts appear on my credit report, check them, they are not mine XXXX XXXX Account XXXX : XXXX This is not mine. 

CAPITAL ONE Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MT

Complaint narrative:
.Jefferson Capital systems is actively trying to collect a debt {$470.00} for XXXX that is from XXXX and was a charge off in XXXX. Jefferson 2 years later XXXX starts collection process reports collection debt on my credit report. Montana state law states debt collection must stop and cease 5 years after debt was aquired! It's been 9 years when debt originated XXXX! Need this off credit report ASAP and that my credit report be updated accurately and report reflects score that should have been positive score since XXXX before putting this on credit report in first place! This has effected my ability to get loans at lower interest rates or refinance current loans!! Jefferson Capital Systems is breaking the law by actively trying to collect a debt that is almost 10 years old!!

Company response to consumer: Closed with explanation