vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I was previously with XXXX XXXX XXXX and they accepted biweekly payments. I made a payment in the amount of {$900.00} on XX/XX/XXXX for the first half of XXXX payment. My loan was then transferred to loancare on XX/XX/XXXX. During this process my payment of {$900.00} was applied to principal instead of the payment ( wouldnt be a big deal if I had {$900.00} extra dollars ). I paid the remaining {$880.00} for XXXX, paid {$1700.00} in XXXX and {$1700.00} in XXXX. I have called or emailed Loan care over 15 times in the last two months and spent hours to try to resolve this and have the payment corrected- XX/XX/XXXX, XX/XX/XXXX, also sent email correspondence, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX called and emailed, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & sent email correspondence and mail on XX/XX/XXXX. I have spoken to several managers whom dont call back or do what they say and staff that are incompetent and also dont do what they say. I have done three way calling with both companies and they are now charging me late fees.

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 2019-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been attempting to complete a modification with Mr. Cooper for quite some time now. Initially my mortgage had a hardship with Nationstar and it was sold to MR. Cooper. They told me they didn't have to honor it and that I'd need to start all over which I did, back in XXXX of 2019. Although I am supposed to have a dedicated point of contact, everyone except this POC calls me daily. Although I ask them to speak to one person so that it cuts down on confusion that doesn't happen. I have filed multiple complaints with them directly for a number of reasons and now feel the need to escalate : 1. Someone was placing notes on my account that they were reaching out to me to work out a payment arrangement and they never did. I ended up calling in to check on the status of the modification and found this out. I sent an email from their corporate relations dept thanking them for bringing it to their attention despite the fact that their actions could've been detrimental to my family.

2. They were sending people to my home daily to complete an " inspection '' and charging me for it. They also left large and rather embarrassing notes on my front door despite the fact that they were in some sort of contact with me on a consistent basis and after contact an attorney they sent me a letter stating that they were within their rights they would stop. If something IS indeed within your rights why stop??

3. They call multiple times a day non stop and their answer is they are entitled to call me up to 9 times per day. Even when I tell them I am in the hospital or recently released from the hospital.I comply with every thing they ask of me.

4. They are extremely rude and inhumane when they do call.

5. When they calculated my modification they used my food stamps as income which you can not do and there were updates that I sent them that they did not take into consideration and completely overlooked which caused me to have to decline the modification and start all over again.

5. There is an awful lot of back and forth with the modification which I understand some is necessary however I will get calls and letters in the same day with conflicting information and is hard to keep up with what is needed and what exactly is happening. I now have a HUD counselor to assist however MR. Cooper does not want to work with her but she is my eyes and ears and knows this process better than I do and she is the expert.

I want to remain in my home. MR. Cooper makes it hard for me to believe that I recover completely and feel safe that I can get the modification I need. Every call I hear your home is in foreclosure, your home is in foreclosure.That adds stress. Trust me I know my financial situation, I also know its temporary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit Corp stated I owe ( XXXX XXXX ) an amount that I paid & my utility supplier ( XXXX XXXX ) paid when I moved XX/XX/2015 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
FEDERAL STUDENT LOAN ILLINOIS STUDENT ASSISTANCE COMMISSION, SS NOXXXX IS FALSELY REPORTING AN ACCUNT DELETE FROM ALL BUREAUS, BECAUSE S.O.L. EXPIRED IN XX/XX/XXXX, AND NOW RE-APPREARED AND SOLD TO TRANSWORLD SYSTEMS ON XX/XX/XXXX, NEW ACCOUNT NO.XXXX.ANY COLLECTIONS ON DISCHARGED DEBT BK XXXX, DISCHARGED XX/XX/XXXX. WE ARE CURRENTLY IN BAD FAITH LTIGATION WITH THEIR ATTORNEYS OFFICES GOING NO WHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 2019-09-22 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 non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: AZ

Complaint narrative:
I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. 
I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. 
I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: TX

Complaint narrative:
I have accounts on my reports that are not mine.

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 2019-09-22 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 2019-09-22 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: TX

Complaint narrative:
I have accounts on my reports that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: TX

Complaint narrative:
I have accounts on my reports that are not mine.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Bureau Collection Services, Inc.
State: KS

Complaint narrative:
Cbcs companies are still making hard inquiries to my credit after i recently filed ( earlier this month ) a complaint they recently ran my credit again XX/XX/2019 without my knowledge or any consent cause my credit score to drop 28 points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: GA

Complaint narrative:
I have followed all the steps that Equifax has asked me to follow Ive went through with all the procedures customer service has failed to help me every single time I would love to get this all taken care of I have sent out in all reports somewhat not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This is a complaint about Citibanks Citicard mishandling unauthorized transactions charges. 

It all started on XX/XX/XXXX when I received a FRAUD ALERT email from XXXX informing me about suspicious activity on my Citicard mastercard : Amount : {$380.00} Date : XX/XX/XXXX, Merchant : XXXX XXXX XXXX, Location : United States , Charge Status : Declined, Case number : XXXX. 

I immediately called the number provided XXXX, and confirmed that I indeed never initiated that transaction. My card # was deactivated, and I was issued a replacement card with new #. 

However, when I inspected recent transactions online I noticed three other unknown and unauthorized charges : 1. XX/XX/XXXX XXXX XXXX OH {$140.00} 2. XX/XX/XXXX XXXX XXXX OH {$27.00} 3. XX/XX/XXXX XXXX XXXX OH {$97.00} As soon as I found out about them, I immediately notified Citicard representative and I was assured that these charges are going to be reimbursed to me by the Citicards and I dont have worry about them. 

However, in the XXXX Statement ( billing period XXXX ), only the first charge of {$140.00} was reimbursed. 
On XX/XX/XXXX upon receiving that bill, I called and spoke with your rep XXXX. She assured me that {$27.00} charge reimbursement will show up in the next statement, but {$97.00} is still under investigation. 
On XX/XX/XXXX upon receiving statement for billing period XXXX I called again since none of the charges were reimbursed. Again, I was reassured that they will be reimbursed by the next statement. 
On XX/XX/XXXX I called again since no reimbursements were shown on the statement for billing period XXXX. I spoke with Sue who said that investigating agent XXXX will call me back with the status. No one called me back. 
On XX/XX/XXXX I called again and spoke with representative XXXX who assured me that credit for MACYS charges had already been issued and will show up on the next statement. 

The next statement ( billing period XXXX ) just came in, and again NO CREDITS. 

I feel extremely stressed and disheartened by this whole ordeal, especially by how Citicards company mishandles this case. 

On XX/XX/XXXX I faxed them a letter describing the above situation ( to FAX XXXX ) On XX/XX/XXXX I mailed the same letter to Citibank XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

Still, up to this date I have not received any response from Citicards to my multiple phone and letter complaints and the issue has not been resolved.

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 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : Dispute of dispute investigation On XX/XX/2019, TransUnion received my letter and documents disputing errors XXXX made and reported about mortgage payments. The report was investigated and the two late payments were removed. However, two other dates that were showing on time on the pre-investigation report were showing late.

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 2019-09-22 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: AR

Complaint narrative:
This is my second time sending Equifax this information. Hopefully they'll get it straight this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear CFPB, In XX/XX/2018 I contacted Citigroup regarding a problem on my account ( see attached letter Letter to Citigroup XXXX sensitive information in the email XXXX ) describing in details that a service that they provide to other customers of suppressing sensitive account information, such as account balance, amount of available credit, and amount of minimum payment due, in unsecured emails was not provided to me. 

Following my initial request in XX/XX/2018 I contacted Citigroup several times when I was receiving unsecured email messages that contained sensitive account information and exposed my account balance and other financial information to unauthorized third parties that handled the delivery of the unencrypted email message via the Internet. 

On XX/XX/2018 Citigroups executive response unit representative XXXX XXXX sent me a letter a copy of which is attached as response from Citigroup XXXX unsecured emails XXXX ) in which they claimed that my concerned was addressed, that the email messages being sent to me contain only the last four digits of my account number and do not contain any other sensitive information. XXXX XXXX response also contained a sentence informing me that Citigroup considers the matter resolved and will no longer respond to my inquiries regarding the fact that the email notifications I receive from Citigroup contain my account balance, minimum payment and available credit information. 

I have to emphasize that Citigoup provides the service that I requested of suppressing sensitive information in unsecured email messages to other customers, however they would not attempt to troubleshoot the issue related to my account and therefore my account is adversely affected. 

For Citigroups reference I am enclosing the last 12 statement notification emails that were sent to me via unsecured email messages. All of the messages contain sensitive information and most of them were sent to me after XX/XX/2018, the date that XXXX XXXX claimed that the matter related to this issue is resolved and Citigroup refused to consider any further communication from me regarding this matter.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.

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 2019-09-22 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: MN

Complaint narrative:
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation