vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
I have been trying to work with the credit bureaus ( XXXX, XXXX, and XXXX  ) to remove erroneous credit information ( judgement ) for XXXX from Rent Debt Automated Collection since XX/XX/2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about Rent Debt Automated Collection agency for reporting erroneous unsubstantiated claims against many individuals. I have been harassed and talked to in a unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold Rent Debt Automated Collections Agency accountable for their harassment and the mental stress they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
Good Afternoon, I am writing in regards to XXXX XXXX XXXX/Loancare, LLC. 

I submitted a mortgage payment in XXXX, of which was processed and applied to the loan on XX/XX/XXXX. 

On XX/XX/XXXX, Loancare notated a " bad check reversal '' on our account. Had Loancare completed due diligence on their part, they would without a doubt realize that the issue was " inaccurate Financial Institution Information '', not a " bad check '' being processed. 

The funds were available in our account the entire month of XXXX. This was not a case of insufficient funds. 

I am including the e-mail I submitted to the Payment Research Department with Loancare. 

I ultimately would like to have the " bad check reversal '' removed from our account. I am not concerned regarding the NSF Fee they  incorrectly attached to our XXXX mortgage payment. 

Good Afternoon, A mortgage payment was made to our account on XX/XX/2020. With that being said, the routing number rather than the actual Checking Account number was utilized to make the payment which resulted in the payment being returned. This also resulted in a payment being made on the XXXX of XXXX which causes concern for a late payment to be reported on our credit report. 

In addition to the incorrect account number being used, we now have a " bad check reversal '' notation on our account. We have had an estimable payment history with XXXX. You will find that upon review of our account history, this will prove this to be factual. 

We would like to have the " bad check reversal '' to be removed from our account history as this was clearly not a characteristic of " bad check reversal '' yet a result of a aberration. 

I am attaching screenshots of the dates from XX/XX/2020 to XX/XX/2020 to verify that the mortgage payment was never drafted from our account, therefore this could not possibly result in a " bad check reversal ''. There were no returned check fees thus validating that this is not the case of a " bad check reversal '' Please review account information and notate that the mortgage payment was not drafted as a result of a routing number being used rather than an actual checking account number. 

I also attached the financial institution information on file with XXXX which will verify that the routing number for XXXX XXXX rather than the checking account number was used in error. This would result in the payment being returned due to invalid account information. 

Your assistance is greatly appreciated in this matter. Please feel free to reach out by e-mail or phone at the contact information on file with XXXX XXXX XXXX. 



Respectfully, 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 2020-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My mortgage servicer Mr.Cooper also known as Nation Star has  given me the impression that was my forbearance that was granted due to Covid 19 cancel I have to pay a lump sum or go through qualifiers for future payments. Its bad enough that we have to worry about the pandemic and how I will get through this and to have more stress every time you call them because there is no reassurance that you will be ok. I went online today and it advised me to call in to get Post forbearance options and the guy had no idea what I was talking about. Every time you call its a different answer with no reassurance. Its like you are being punished for something you have no control over and its very torturing. I dont understand why they put o e thing on the website but when you call in its a different story. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX SC XXXX the last four of my ssn is XXXX. The last phone call I made was today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: IL

Complaint narrative:
This is a COVID19 after effect. I had fraud on my XXXX XXXX account. It was a new purchase for " game points ''. My XXXX granddaughter was highly suspect. So, I requested a new card number. In the past, this fixed the issue. There were additional new purchases made, and XXXX charged them to NEW card number ( that I do not even have yet ) and XXXX XXXX accepted them. I could not get through to XXXX. XXXX XXXX said that companies with existing relationships could get new number for subscriptions. These were not subscriptions. XXXX XXXX said that changing the credit card number would not stop this from occurring, and their department that " freezes '' purchases from specific vendors was closed due to Covid19. So I can to cancel the account. My credit report went down 50 points. I should not be penalized for XXXX XXXX accepting these charges and XXXX for submitting them.

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 2020-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc.
State: GA

Complaint narrative:
They company XXXX XXXX emailed me a bill for services they say I received at the XXXX office that provided treatment to me. I have requested that an itemized billing statement be sent to me and of course I never received the requested info. I have no idea what this charge is for. The company XXXX XXXX also told me that they do not have an itemized billing statement that they send to their clients. I'm sure that is illegal if you are going to charge someone and report it to the credit bureaus..I have never received any documentation from Metro Collections the reporting entity. How I found out was being denied credit and requesting a copy of my credit report and researched the company. At this time my credit is being impacted and my score has dropped and being denied credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Experian is reporting incorrectly that I am ( 180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-18 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: FL

Complaint narrative:
To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I have been trying to work with the credit bureaus ( XXXX XXXX, and XXXX ) to remove erroneous credit information ( judgement ) for XXXX IQ Data International from since 2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about IQ Data International Collection agency for reporting erroneous unsubstantial claims against many individuals without validating claims. I have been harassed and talked to in an unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold IQ Data International Collection Agency accountable for their harassment and the mental stress they have caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/2017 my wife received a call from XXXX and associates stating that she owes a debt from over 20 years ago. Said that the following Monday judgment on a lawsuit would be placed and that the debt will be seized from our personal checking account. The company had all our personal information. I realized that it was a scam. They were going to charge my credit card for that alleged debt. I called my credit card company and told them that please do not accept the charges from that company because they were trying to scam me. They made 2 charges. One for {$1500.00} and the other for {$2500.00} for a total of {$4000.00} After the charges were made I submitted a dispute. Later the merchant sent them two forged receipts with my wife name. I sent them proof that the signatures were not alike but they still accept the fraudulent signature. It has been 3 years back and forth with the disputes. XXXX  and associates does not respond and I have reported them to various agencies. The only thing left to do is report my credit card for not protecting me from these charges. The credit card company obviously has not reviewed all the documents I have sent them because they keep sending me letters claiming that I signed for purchases. When obviously nothing has been purchased. They respond with pre-written letters. I need help with this issue because the debt is not mine and its not fair to have to pay for this and I do not think my credit should suffer from this because I have a good credit rating and I am responsible paying all my bills 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 explanation
Consumer complaint received 2020-05-18 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: NC

Complaint narrative:
On XX/XX/2020, I submitted a complaint against the credit bureaus for allowing XXXX XXXX to report a trade line on my credit reports without providing full validation. The results of the dispute came back as 'verified and accurate '. Thus, I called XXXX and asked them to provide me the documents used to validate this debt. I was told that my records didn't exist and that the account has been placed with XXXX XXXX XXXX XXXX XXXX for collection. Thus, on XX/XX/2020, I submitted a CFPB complaint against XXXX XXXX XXXX XXXX XXXX ( Company 's response attached. ) Furthermore, another company, XXXX, XXXX, has also contacted me about collection of this debt. In sum, XXXX is using it's in house collection company, XXXX XXXX XXXX, to report the debt on my credit reports, however, they are using several other companies to collect the debt. Neither of the companies have been able to provide me with full accounting and proof of contract.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-18 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: FL

Complaint narrative:
To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-18 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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: SC

Complaint narrative:
I have been receiving robo phone calls almost every day for months about a debt. But, I don't have any debts and have never had any debts. The calls continue, though, and tell me I should call this number ( XXXX ) XXXX to contact XXXX XXXX. The last two recordings are dated XX/XX/XXXX and XX/XX/XXXX of 2020.

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
***COVID 19 FRAUD .. 2020 CARES ACT LAW VIOLATIONS*** Our mortgage qualified for the Covid 19 forbearance plan, and Nationstar is reporting the loan as past due while scaring the homeowner. They are also not giving the consumer the option to pay the for the forbearance at the end of the loan. Faced with a {$200.00} million quarterly loss if they follow the law, Nationstar has decided to steal homes from victims of the 2020 pandemic.

I am not making this up ... attached are copies of the correspondence received you clearly see " you qualified for covid19 assistance '' followed by " all payments are immediately due '' and " your loan is overdue '' signed by them. 

This loan was also originated with loan origination fraud, Nationstar and XXXX Mortgage admitted required items were left off escrow at loan origination ( copy o attached also ) but they claimed that escrow fraud and theft of escrow was well within their rights. 

Loan fraud and escrow theft was confirmed by a XXXX XXXX detective on this file and it was forwarded to the FBI IC unit. I assume Covid19 is slowing the prosecution of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I checked my credit and saw an account from Williams & Fudge for XXXX XXXX XXXX for {$850.00}. At the time that I ended the school program, I lost my job and was the victim of a XXXX XXXX that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs. the debt is five years old, so I would like to settle with {$400.00} and have the debt deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been discriminated against due to my race and name. Applied for investment home mortgage loan provided all the necessary paperwork, healthy savings account info, all my assets, and current up and running business profit and loss reports along with business bank statements. I was provided with a mortgage commitment by the letter 2-3 days prior to my closing the underwriter decided to ask for more paperwork which was also provided for them. Then the decision the underwriter made was to deny my loan with no proper reason, just with the excuse that my company was not profitable which is not true. All reports were provided with large profit balances statements. If someone can please help me investigate this.

Company response to consumer: Closed with explanation