vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My name is XXXX XXXX. I had a loan on a property through XXXX. I set it up on auto-pay so I wouldn't have to worry about it. 
Yesterday I pulled my credit and saw that it was down to a XXXX XXXX   score. I have been close to an XXXX beacon forever. I found out that LoanCare bought out my loan at some point this summer and I'm now showing 5 months delinquent. When I called to find out what was going on, they told me they notified my by mail that they now had my mortgage and I needed to pay them. They showed my primary residence as being the same home their loan was on in Oregon State. I live in Washington State and received no call, no mail, nothing. I set up my auto-pay in good faith so I wouldn't have to worry about it and now my credit is affected. They told me to email to try to resolve it, but when I emailed the address they gave me ( customersupport@myloancare.com ) I received an automated email telling me that the email address is no longer monitored. I called again and was told I had to file my issue through my online account. I called again and asked to speak with someone who could resolve it and was told the ONLY way to fix it was to create an account, agree to all the terms and write an email through that portal. The disclosures I had to agree to weren't legible and I had to proceed without understanding what I was agreeing to. I believe they're attempting to collect fees, penalties and additional interest by not making proper attempts to notify customers of the fact that they took over their loan. This mortgage was set up on auto pay so I wouldn't have to worry about making the payments. It's not my primary residence and I'm never there. At no time in the past 5 months was I notified my mail or by phone that LoanCare took over my loan. 
I'm trying to find their info on the XXXX  to file a complaint and I can't find them anywhere. They won't talk to me on the phone. I told them that I just want to pay the total of all payments and I want them to contact the credit bureaus and repair my credit. I've never paid a late payment in my life and having my credit score drop by 150 points  because this shady operation didn't do their due diligence to find out where I actually live or call me is ridiculous. I believe they're trying to fraudulently collect unjust penalties, fees and interest by not making valid attempts to contact their new customers to make them aware of the fact that they bought their loan out. 
Please help. I simply want to pay the total of my payments without fees or penalties and have my credit fixed. 

Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to  the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent 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 2019-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist,  in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My wife was contacted on XX/XX/XXXX by someone claiming to file a lawsuit for fraud on a debit I had in 2010. They advised her I needed to contact them before XXXX the same day. At XXXX hrs I contacted them to inquire about the debt. They stated they are collecting a debt for GE Capital for electronic services I received fraudulently in 2010 for a total of {$1100.00}. I asked for the account name and address an they advised they could not tell what address it was used at but transferred me to there lawyer that could better explain. The lawyer stated his name was XXXX XXXX. I asked what the debit was for an he stated it was for a GE discovery credit card for {$310.00}. But after interested and late fees I owed {$950.00}. I asked him who the card account holder was an he stated I needed to get one thing straight. He was not here to convince me I owed the debit an I could pay for it or would be sued. I advised him I needed to know what the debit was for if I was obligated to pay it. He then stated I could pay the debit or he would purse legal action an he was not there to explain it to me. I could either pay the debit or I can go to court. With his extremely aggressive attitude an unwillingness to explain the situation to me I advised him to continue with the legal process. He suddenly hung up.

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 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian one of the worse credit bureaus I have ever dealt with. I have contacted this bureau on many occasions. Informing them that I was victim of fraud. In XXXX and in XXXX during several breaches with XXXX. I have also disputed and provided documents from other credit bureaus of the account from XXXX XXXX on my credit report, being deleted from XXXX and XXXX. I also provided documents showing my information was on black web and found in 11 data breaches. I also made a identity theft report and placed security alerts with the credit bureaus. My name, social, email, security, personal information, employer and password were all found on the black web and in data breaches in XXXX when the XXXX XXXX Account was opened. There was a block on my Experian Credit report around XXXX, XXXX as well and XXXX XXXX was blocked from accessing it after receiving an alert. I then a few weeks later removed the block for an employer to access my report and I received another alert from XXXX XXXX that someone was trying to access my credit file. I was not contacted or email. XXXX XXXX is threatening me and trying to collect moneys not owed. This is a fraudulent account as my information was used. I will take legal action as I am requesting for this account to be deleted from my credit file. See attached documents below as XXXX  and XXXX  has already deleted this account. As this is damaging my credit score.

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 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have submitted a complete loan modification application to PHH and PHH is still conducting a trustee sale ( XX/XX/2019 ) which is against California Homeowners Bill of Right - California Civil Code laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northeast Recovery Solutions, LLC
State: NC

Complaint narrative:
It has been 2 years since Northeast Recovery Solutions , LLC started contacting me for a fake debt. I had submitted 2 disputes already and they keep on telling me that im supposed to pay or they are going to make me pay for. I asked them the source of the debt i had and they said it came from XXXX XXXX XXXX, and I live in XXXX NC, Its almost 5 HOURS AWAY!. This is fraud and i called XXXX XXXX XXXX and spoke with manager and he said there was nothing in the system showing my name on, he put me on hold, and hanged up the call, i called again and they hanged up and they blocked my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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:
I recently discovered there are several inaccurate accounts and charges on my Equifax report as a result of identity theft. As a result, they are destroying my credit. These accounts are as follows : XXXXXXXX XXXX XXXX Inaccurate charges due to identity theft Account # : XXXX Date Reported : XX/XX/2019 XXXX  XXXX Fraudelent Charges. Don't belong to me! 
Account # XXXX Date Reported : XX/XX/2019 XXXX  XXXX INACCURATE CHARGES DUE TO IDENTITY THEFT. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX Fraudelent Charges that do NOT belong to me as a result of Identity Theft. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX Fraudelent Charges and victim of identity theft. No knowledge of this account and charges. Please validate!!! 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX I recently received a collection letter from XXXX and was shocked! I have no knowledge of these charges and believe i have been a victim of identity fraud!!! 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: DISCOVER BANK
State: LA

Complaint narrative:
I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with Discover, XXXX, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my XXXX score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent Outsourcing sent an invoice to my employers accounting department requesting payment for a debt placed with their company. My employers information was not provided to this company, I have never received anything from them directly despite my personal address being listed with the company I allegedly owe the money to.

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 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Me and my wife have recently been going through the process of tackling our debt and consolidating our balances. Early in XXXX we made the tough decision of closing ( 2 ) of my CapitalOne accounts. One of the cards I had for nearly 7 years. Over the past couple weeks we have consulted with several people and they have advised us that it would be wise to reopen those accounts. We will soon be going through the home buying process and I feel that this might adversely affect our chances of buying our dream home. 

It seems unreasonable that CapitalOne is one of the only companies that will not allow you to reopen your account no matter what the circumstances. I have already called them today ( XX/XX/19 ) and they just told me " No '' they won't reopen then for me. 

I feel that I am left with no other choice but to file a formal complaint. I hope that you are able to help us. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was given 24 hour notice that my Savor credit card with Capital One is being closed, despite staying within my provided credit limit and paying my statement balance on time. The explanation I was given via email was because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Providing benefits and then closing customers cards for using them is fraudulent and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked up my credit report on Equifax and it said someone changed my name to XXXX XXXX This is wrong. My name is XXXX XXXX. I have not changed my name. Im worried someone else did this and could be possibly trying to use my social security and name. Please help me My phone number is XXXX XXXX XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I have faxed over my loan modification paperwork to Caliber several times and have also emailed them weeks ago and keep getting the run around that the missing paperwork has not been received and now there has been a sale date placed on the property. Paperwork was faxed over on XX/XX/2019 and again on XX/XX/2019 and a sale date was placed on XX/XX/2019 for XX/XX/2019. I feel that Caliber is not taking the proper steps to help me with this process and avoiding to upload my documents. I would like for them to put the foreclosure on hold and review my file for a modification as they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with Equifax is locked. I have tried for over 60 days to get it unlocked by calling Equifax at XXXX, as noted on the website. After speaking with 10 different representatives, two of which were supervisors, and having to change my password 9 times, I am still unable to access my account. Supposedly, my issue was elevated to some office three times to get fixed. That hasnt worked. 

Since no one to whom I spoke could tell me which headquarters office could assist me, I addressed the issue to Mr. XXXX XXXX, Chief Data and Analytics Officer, on XXXX XX/XX/2019. I stated to him that if his office is not the one who can resolve my issue, please forward my letter to the correct office.I have not received a reply. And my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: RI

Complaint narrative:
Repeated calls sometimes more then once daily that are recorded. Messages also recorded. Showing in caller ID as unknown. They do not answer to try to work with them to stop the harassment of calling!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: Harvard Collections, LLC
State: AR

Complaint narrative:
HARVARD ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have a XXXX XXXX loan my servicer is Suntrust Bank. I applied for a loan modification because I was experiencing a hardship and I was 30 days late in my payments. I submitted a letter and all the relevant documents. I was denied because the home was not my primary residence. I appealed and received a letter stating that the deadline was XX/XX/2019 to provide Suntrust any documents for my appeal. On XX/XX/19 I sent a letter to Suntrust with a copy of a document addressed to me at the property. I called to verify receipt and was told that the underwriter wanted a copy of my license. On XX/XX/19, I called and the XXXX XXXX told me that the license was not readable, and so I sent another copy. On XX/XX/19 I received a call from my loan representative XXXX XXXX who stated that I was denied because the time had expired and I did not provide the paperwork to her in a timely manner. On XX/XX/19 I spoke with a supervisor Ms. XXXX who said that I was sent a letter on XX/XX/19 stating that the reason my appeal was denied was because I was employed. Further, I was not offered any further assistance. During the phone call, Ms. XXXX stated that she could " see the chain of events and that it would be dealt with ''. She asked me to take a picture of my license and send it again. After I did so, I contacted Ms. XXXX to verify receipt. Today at XXXX XXXX., Ms. XXXX called me and left a voicemail stating that she had an answer. I have tried to call Ms. XXXX several times and she has not returned my call. I have contacted XXXX XXXX about the lack of customer service I have received and the fact that I am getting the run a around with Suntrust. I have provided all of the documentation that they asked for, and they have not addressed why they have denied my loan modification. I am asking for your assistance to resolve this matter with Suntrust in a timely manner. I will attach documents as needed.

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