vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KY

Complaint narrative:
Company has never furnished me any findings of their so called investigations that have been going on supposedly since XXXX, XXXX ; all received has been " closed. Valid '' Nothing is valid about my credit card statements, and can not possibly be valid : There were 28 plus unauthorized charges on my account ; these unauthorized charges went on for 1 1/2 years, XXXX, XXXX through XX/XX/XXXX. 
The guilty party, being a Law Firm in XXXX XXXX, Fla. got away with the 28 plus unauthorized charges that amounted to over {$47000.00} plus because it was a Merchant of the Company, and because it was a Law Firm. Therefore, my Bookkeeper, who checked the credit card statements, believing they were legitimate charges, did not file a dispute, nor check with me. I never handled my charge card statements. They were all paid by automatic payment, and my bookkeeper checked and posted the statements : She posted these unauthorized charges as " Legal Exp. '' When I found these unauthorized charges I filed immediately a dispute with the proper office as instructed. I never received an acknowledgment or report of any kind in 30 days ; nor did I receive any kind of report of findings after the 60 days. Nor have I received any findings as of this date. But, I know why now : There was never an investigation done ; only a judgment of my dispute : This was admitted to by One who was supposed to be investigating the matter : I was told that Discover does not investigate their own records, nor will they investigate what I send in. They may close the case without viewing my evidence, even if I refer to it in a letter.

And unless you send in " new evidence '' they may not open a closed dispute.

I have requested the Company to investigate their records to see who the Company paid my money to. 
We have the name of who made the unauthorized charges ; but I requested they verify to make sure someone had not stolen their identity. 
I also requested some missing Credit Card Statements. They refused but after probably about 10 to 12 requests they sent some statements, but not the requested statements. I asked if they did not have the statements, either to reprint them or just send me a list of all the unauthorized charges by the Law Firm. So far, since XX/XX/XXXX, have not received. I believe there are more unauthorized charges than the 28, which is why I state 28 plus. 
I never retained the guilty party, and had no dealings with the Law Firm except I loaned ( paid directly to the Law Firm with my Credit Card, ) the Retainer Fee to others. That is how the guilty Law Firm got my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  cease ALERT ALERT ALERT XXXX  IS GOING TO DELETE " 3 '' XXXX   XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN XXXX!!!!!!! 
ALERT CFPB XXXX  HAS NEVER REPORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION XXXX .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... XXXX  YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! XXXX you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT XXXX  MESS ... XXXX  CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX   award from XXXX. I WANT DAMAGES XXXX. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that XXXX deleted three XXXX  XXXX XXXX accounts ending XXXX XXXX I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN XXXX  I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON XXXX  DISPUTE ATTACHED XXXX XXXX XXXX Do not delete XXXX  you have never reported theses on my name no wonder I have identity theft. ALSO TRANSUNION AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES

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 2020-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY
State: TX

Complaint narrative:
Have filed my application for loan modification, have had my case turned over to more than 5 different people, all telling me the same thing, do not send any kind of payment in until we contact you to let you know all of the information, before you know it I was receiving foreclosure letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: MI

Complaint narrative:
I have tried over 5 years now to rebuild my credit and my name from fraud someone using my name and credit. I have called every credit bruea and debt collectors but they have not done anything about it and the debt collectors told me well its my information when i wouldn't be of age to legally use my credit or name on anything but they still took money that i have worked hard for because of someone using my information. I have called the credit bruea and they have out a freeze on my credit but it still hasn't stopped it from happening. I have been fighting for my name and credit since 2007. I cant even get approved for a Secured card because of it. Please help me. Thank You

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 2020-03-09 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: RI

Complaint narrative:
Experian placed a fraud alert on my credit report. I submitted all necessary documents to have this removed on XX/XX/2020 yet it has not been removed yet. this is in violation of the FCRA.

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 2020-03-09 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: Mar Joe Enterprises
State: MI

Complaint narrative:
I have tried over 5 years now to rebuild my credit and my name from fraud someone using my name and credit. I have called every credit bruea and debt collectors but they have not done anything about it and the debt collectors told me well its my information when i wouldn't be of age to legally use my credit or name on anything but they still took money that i have worked hard for because of someone using my information. I have called the credit bruea and they have out a freeze on my credit but it still hasn't stopped it from happening. I have been fighting for my name and credit since 2007. I cant even get approved for a Secured card because of it. Please help me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IQOR US INC
State: CA

Complaint narrative:
I received a telephone call at my place of employment on XX/XX/2020 from someone claiming to represent Allied Interstate LLC on a debt that I am currently entering into to a payment plan and has already been subject to wage garnishment by another entity. The caller stated that wage garnishments will begin on XX/XX/2020. 

The caller was asked to provide written or email documentation of information, validation, and verification of the debt being recalled from the previous collection agency and placed with Allied Interstate. The caller stated the " We don't do emails. That's not how this process works. You need to talk to someone over the phone. ''

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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp
State: CA

Complaint narrative:
First knowledge of debt was a hold on my checking account, via a email from chase on the XXXX of XXXX. 
I called Coachella valley collection services in XXXX XXXX ca. The same day to request validation of debt that was 11 plus years old, bank email was my first received notice, and the hold of XXXX $ could not pay bills. At the time verbal request for verification of debt as well as disputing any amounts claimed. I followed up with two mailings certified and return receipt of the same, also requesting cease and desist any collection attempts due to disputing all. I received a renewal of a judgment only with a amount of over 82,000 . They took the XXXX $ on the XXXX of XXXX all after they were served with my dispute and verification notice. I then both written and verbal requested all debits and credits accounting on this dept ever. Telephonic to their attorney XXXX XXXX, and couldn't get it. I haven't even received the original judgment only the renewal. They haven't even received a receipt for the money they took out of my chase account. XXXX . I think thats grand larceny. The renewal judgment is for XXXX $ the letter it came with states XXXX $ with interest of XXXX $ on a claimed debt XXXX $ from a hoa. Judgement date of XX/XX/XXXX. I received no notice or the judgment still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX Alerts. 2FA VERIFICATION CODES ARE REROUTED TO CRIMINALS PHONE NUMBERS. Android Cell Phones NEW MALWARE DISCOVERED. I HAVE ALERTED USAA TO NO AVAIL. Also my XXXX XXXX XXXX XXXX PHONE has XXXX malware news reports.XXXX  REPORTS SERIOUS DATA BREACH 2Xs in 4 months USING 2 FA VERIFICATION CODES.??? USAA CONTINUES TO USE. USAA RECENTLY WAS BREACHED AGAIN. I have FCC complaints filed against XXXX XXXX XXXX. USAA continues to use 2 FA codes No Avail to my complaints??? Sounds like security issue.???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a bankruptcy on my transunion credit report that is incorrect

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 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I took steps in sending dispute letters to companies and credit agencies the accounts came back verified how is this possible there not my accounts. 
I then mailed a validation letter out to collection agency and credit agency but no response back or deletions.

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 2020-03-09 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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX XXXX  claimed a debt was owed to them - in XX/XX/XXXX this account was filed as identity theft and removed from my record. Convergent Outsourcing, a debt collector, is reporting this account on my credit report. I have informed them this account does not belong to me. I have informed them this account was the result of identity theft. They refuse to remove the account from my credit reports. They are still attempting to collect on this fraudulent account. 
I requested validation of their claim on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They replied with statements of an account which is not mine. They failed to show any proof that the debt belongs to me. I requested any documentation showing my signature on the account - they provided a falsified contract with no signature from me, only a blank area where a signature should be. 
I informed them they are not only illegally attempting to collect on a fraudulent account but also reporting illegally to the bureaus under their own name as opposed to the name of the original creditor in violation of Mass General Laws : o940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization I have informed Convergent of these issues three times via certified mail. They have failed to comply with federal or state debt collection regulations.

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 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MO

Complaint narrative:
loan # XXXX Serviced by XXXX XXXX. 
I purchased a house on XX/XX/XXXX, closed with XXXX XXXX and mortgage was obtained via broker XXXX XXXX XXXX  company. Lender- United Wholesale Mortgage. Prop taxes due XX/XX/XXXX supposed to be paid with funds a seller provided at closing. Title company held funds because the tax bill was still on old owner name, by the time the tax bill was switched on my name, the funds were lost somewhere between the XXXX XXXX, XXXX XXXX XXXX  and UWM. My mortgage is escrowed, so all transactions supposed to be handled by lender/servicer. The servicer for my mortgage is XXXX XXXX. When I received my tax bill with interest and penalties ( iao XXXX ) in  XXXX, because it was never paid by lender/servicer/title company, I reached out to XXXX advising them on this issue. I was told to send them tax bill for processing. They paid the tax bill along with interest and penalties iao XXXX from my escrow on XX/XX/XXXX. However, this is invalid transaction because I should not be responsible for taxes because old home owner provided funds at closing to pay those taxes and someone has those money. When I called to UWM I was told that I should not be responsible for that tax bill or interest and penalties- it will be paid by lender. My escrow has negative balance because XXXX took money out of it to pay the bill+ interest and penalties while lender- UWM advised them to pay out of their account. I was told by UWM that broker XXXX XXXX XXXX  company sent them a check to cover taxes and they will be responsible for paying penalties and interest. Since XX/XX/XXXX funds have never been deposited back to my account. Again, those funds were provided by seller and I should not be charged for that bill. XXXX XXXX/XXXX XXXX XXXX/United Wholesale Mortgage/XXXX  should absorb XXXX because it was their fault they lost the seller 's funds for taxes. I have tried to resolve this issue for over 2 months by now and none of those companies are cooperating. I am being told the same information " funds will be posted back to your account '' but nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I have mail dispute and validation letters to company and credit agencies havent received a response back account not mine and there reporting different opening dates from XXXX  to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been paying off my debt for past year. Making 13 payments in 12 month period and about 150 percent above min. payment. Last month i saw that i had late payment. 
since i been paying on 4 week basis i made ( 2 ) payments in XX/XX/XXXX and XX/XX/XXXX for XXXX. but they counted is as XXXX payment and issues a late fee. I talked with them and they would not wave a payment. 

The bank is XXXX  XXXX Master Card  XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX credit card issued by Comenity Bank has billed me for items I have did not receive. The items were stolen from a purchase I made online. When I picked the order at store I was given a partial order. I reached out to XXXX XXXX via online customer service and they told me to go back to store to get credit for stolen products I did not receive. It is outrageous that they send me back to the store as if it is located around the corner. If I ordered online the credit should have been applied. Since my first contact with company I DID NOT receive any bills my mail and/or other contact, which contributed to me overlooking any outstanding charges. The bank immediately placed a 30 day lateness on my credit and affecting it with a 80 point credit drop. I have tried to rebuild my credit and you may see that I have especially with several of my Comenity Bank issued credit cards. 
I would like the proper credit to my charge card and the removal of the late payment ( s ) they have applied to my credit report. They have stolen items my order and have credited my account properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I was going over my credit report I noticed an from Debt Recovery Solution {$1500.00}. 
I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Debt Recovery Solution LLC diligent examination of this matter.

Company response to consumer: Closed with explanation