vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: TrueAccord Corp.
State: PA

Complaint narrative:
Received an email today stating that the company may send back to original creditor and they may take legal actions. Copied email to follow. 

At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More. 

XXXX, please set up a payment arrangement. 

XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) would like to prevent legal review on your past due account, so they gave us the opportunity to assist you in reaching a resolution. 

While your account is still with us, we'd like to work with you to resolve your past due balance. Otherwise, XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) may review your account for placement with an attorney for legal review as their next step. 
You can prevent this by setting up a payment arrangement. 


Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2020 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb XXXX XXXX XXXX account number ending in : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: 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. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-05-12 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: 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. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX  has forwarded this account to this collections to get me to pay Im a victim of identity theft and not responsible for this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$720.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX  XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$7700.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Throughout the time my account has been with Tower Loans, my account information has been shared several times with other employees at my job and residents in my home. The representatives do not verify any account information before sharing the details of the account. I have had 2 co workers approach me about my Tower loan account. 

Tower loan reps are calling 3/4 times several days within a week. The calls have come in durations of 10 minutes to an few hours apart. There has been moments I call for account information or resolution, but still about receive 2 calls throughout the same day. This account has never been completely abandoned account, if I couldnt make full payments I paid partial, ls, than extra to bring it currents after hardships arised. 
In efforts to bring the account current after, I made an automatic payment arrangements for {$250.00} and wrote several post dated checks up to XX/XX/XXXX for an additional {$150.00}. The {$250.00} covered regular {$210.00} payment and extra {$150.00} cover any past due amounts. It was setup this way because the system wouldn't allow them to setup 2 separate automatic payments within a single month. During this time I was still receiving at least 2 calls per day stating my account was past due and needed to setup arrangements. Each time I explained, that it had already been done and the checks were physically in the office. Each time the representative stated that my account had not been noted of those arrangements and repeatedly demanded payment. There were a few incidents where the representative told me, " if you would pay my bills, they ( tower loans ) wouldnt have to keep calling you, next step is we will sue you ''. Everytime an incident occurred I spoke with a current General Manager that promised the account would be updated to prevent further " human error '', needless to say those situations repeated itself nearly every month. Despite making on and off payments to bring the account current. it had been sent to collections and they are still continuing their aggressive phone and home visits. 

Today XX/XX/XXXX, I missed their call, I called the office back within 7 minutes, spoke with a representative, then within 3 hours another representative arrived at my door. 
The company has to be held accountable for harassing customerd and sending representatives to your home,, especially during the pandemic.

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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: AL

Complaint narrative:
To date I have contacted Standard Mortgage with this issue via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have called every day for the past two weeks and left 3 messages with XXXX XXXX. I have spoken with XXXX XXXX twice and XXXX XXXX. I was in touch with someone in the escrow department who put me on hold since I was in previous contact with XXXX, and was disconnected. Called back and left a message immediately after, with no return. I understand there is large call volume and a lot of changes with Covid 19, but this issue was taking place before everything started to shut down. 
Payments XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Im informed that my total debt was XXXX. I mailed XXXX XXXX which was not applied correctly, addressed and not fixed until XX/XX/XXXX. And not totally sure it's even fixed. 
My debt should not be a total of the 3 payments. The initial payment is SAVED in my escrow account all year and simply dispersed. The other two, totaling XXXX and the XXXX refund brings a negative escrow of XXXX. 
I was told my new payment until XXXX is XXXX on XX/XX/XXXX totaling in apx XXXX of shortage over the 7 months that my payment will be that amount. Where does that number come from? .... 
Made a normal XXXX payment that was not applied to my loan. Told I needed to send XXXX to complete the payment. I did, but it was not applied. My XXXX payment of XXXX was not applied either. None of my " payments '' since XXXX have been applied to principle or interest. 
I am in the process of selling this house. I was approved for a loan on another house that was contingent on the sale of mine and my payment on my credit depicts XXXX so after that was found over a week later i was declined. Wasted hit on my credit!!!!! 
AND I have been receiving collection calls! 
My credit has dropped 95 points. Sent certified mail. Contacted supervisor again today with no contact back, which is XXXX. The one who has not responded to multiple emails, messages and calls. Absolutely unacceptable. Covid is not an excuse.

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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Mortgage Refinance TRID Fees Issue : I had refinanced my current mortgage from XXXX to Quicken Loans ( Loan # - XXXX ). The Closing disclosure that my wife and I signed on the Closing date of XXXX ( attached here for reference ) had closing cash to close amount from borrower as {$8200.00}. The money that was withdrawn from my bank account on XX/XX/2020 through ACH was for {$8400.00}. I have been chasing different people at Quicken Loans from Loan Officer, Closing team, Client Relations team since then and I am now being told that the difference is because of 2 additional fees that was added during Closing. These fees were never disclosed to me in the 4 Loan Estimates ( LE ) documents or the first Closing Disclosure ( CD ) that was sent to me on XX/XX/2020. Even the CD that we signed on closing date did not have these fees. Per TRID guidelines as per my understanding these fees can not be added or increased beyond 10 %. Section-B Deed preparation fee of {$130.00} ( 0 Tolerance per TRID guidelines ). Section-E Recording fee increase from {$120.00} to {$190.00} ( 10 % TRID tolerance so should only go upto {$130.00} ). 
Hence, Quicken Loans has sneakily added or increased unwarranted fees at the last minute against TRID fee guidelines and forcing me to pay for it. Their explanation was that their settlement services company had put on additional fees for doing additional documents because of Living Trust deed. But I have told Quicken about this from day-1 and have attached emails to support this as well. So Quicken Loans did not disclose any of these fees in Loan Estimate or in Closing Disclosure so they can not assume that I can pay additional fees on the day of closing because they did not follow process or do their job properly. Therefore I am requesting for the difference of {$210.00} to be refunded to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX  XXXX {$19000.00}

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 2020-05-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX  XXXX {$19000.00}

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 2020-05-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: UT

Complaint narrative:
After receiving a Stimulus check and my most recent Social Security Direct Deposit to my Direct Express card ceased to work with at least {$800.00} dollars still on it at the last time I checked my balance. The following when I rechecked my balance by phone which is the only way I have ever checked it, the process had changed by now asking for either my ss # or the entire debit card number. I responded in consecutive tries both ways. immediately on completion my call was cut off. I have been trying to reach them for more than a week, each time either being put on hold for as much as 2 hours only to be disconnected or immediately cut off. I have reported it to the Fbi, my local police dept. and the local XXXX TV station. In digging around the Internet ot try to find out how to reach Direct Express, I have only found 2 phone numbers and both react the same when I try to get information they disconnect after I enter the prompted requested information. 
In my looking for help on the internet I came across the XXXX XXXX XXXX XXXX XXXX of Utah, which lists 90 complaints nearly exactly or very similar to mine, that have been registered since late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I have returned the equipment to XXXX and the balance is at XXXX. I have called the collection agency who confirms there is no monies owed, however they are still reporting on all three credit bureaus that I owe XXXX. I have requested they remove it from my credit report, but they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX  XXXX XXXX XXXX, your agency and Trans Union and XXXX  are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX  XXXX XXXX XXXX  correct the account. My problem is is this account was removed and placed back onto my XXXX  and Trans Union Reports after all the years. This needs a resolution immediately.

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 2020-05-12 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: AL

Complaint narrative:
Equifax- I have called on several occasions regarding not being able to access my credit file and score. I attempted to apply for a loan and was told I had no credit file pulling from equifax after I have attempted to correct this numerous of times with no help. Seems that my file has been split. I have over 90 accounts that should and have reflected on my account in the past that has now disappeared.

Company response to consumer: Closed with explanation