vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: RI

Complaint narrative:
Personal Credit Plan is reporting inaccurate information to XXXX. I contacted them and they claim XXXX  has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on XXXX. XXXX  online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX attempt order credit report via annual https : //www.transunion.com/ per alert fraudulent activity related to use of identity use by someone else and to contact TransUnion. I contact via phone and requested copy of report on XX/XX/XXXX and did not receive in mail. I attempt to contact via phone on XX/XX/XXXX and the representative advised could not help with and transferred to department which hung up the line.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
I Received a call today from a company from he name of IQ Data, they explained it was a debt for an apartment from earlier this year. I explained that i summitted a written dispute months ago and haven't heard anything until today. I wrote a letter disputing the charges, the representative instantly said they never received a letter from me and there was noting i could do, if i didnt pay the full amount of {$2000.00} today he would report to my credit. I tried explaining that the reason for me moving was due to XXXX, being laid off and not having a socuce of income. The representative XXXX said that wasn't his problem and its no excuse nnot to pay. I never refused to pay i just wanted to dispute the additional changes. The representative began to raise his voice saying i shouldn't have moved if i couldn't afford it, he then went on to say hes been in the field 15 years and they are not going to reduce the fees. I asked to speak with a supervisor he placed me on hold XXXX hung up also laughing while doing so. I called back right away only to speak to a supervisor who didnt care and as far as his employee he said he would look into it. Ive recievd multiple calls before im even up XXXX. With everything going on no one deserves to be treated this way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NJ

Complaint narrative:
On XX/XX/2020, I, XXXX XXXX pulled my credit report thru XXXX and after I went over I found out XXXX accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus XXXX times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my EXPERIAN and XXXX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from my report.

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Amerihome mortgage company took XXXX mortgage payments unauthorized out of my checking account totaling {$5500.00} I called them immediately and there was nothing they could do. so I called the bank XXXX XXXX and I put in a claim with them to stop that payment from going through. the mortgage company said that they were going to refund me the money that was on the XXXX when they said that they were going to issue me a refund its now with the XXXX And nobody at the mortgage company can tell me where the refund is, if a check was cut, if a check was sent, whats the amount of the check, no check information at all I am but now that they pulled that money from my account when XXXX XXXX took the {$5500.00} payment back they nous say I havent made a payment since XXXX I have made all my payments. I have made all my payments on time and now theyre saying I owe them {$5000.00} when they have all the money Im not sure what to do this mortgage company is very difficult you cant talk to anyone that can do anything, wait on hold for hours so they can do research theres no communication within the company. they dont talk to the department that deals with the refunds. I just dont know what to do. I cant access my account online because they blocked it because they say Im more than XXXX months behind on my mortgage they said they were gon na send me to collections Im just unsure of what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been working with the NewRez LLC for over 4 months now. I paid for an appraisal and it was accepted. Its been a few months since completion of appraisal. The company had given me conditional approval of the loan before they claimed to have experienced glitches in their software before asking me to resend most of my information to them again. I am not in a stage where no one is answering my emails or call, and no clear estimate of completion has been communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XXXX XXXX AWA CollectIons had marked my credit report with derogatory remarks that this debt was assigned with an attorney ; Ive had challenged this creditor to produce validation of the debt and foresee that the remark As ; serious past due date/ assigned to an attorney, collection agency, or creditor grantor & apos ; s internal collections department is an intimidation attempt to collect a past due debt {$450.00}. 

Ive sent out several request for Validation and Name of Attorney who this company has been brought up and theres no answer to my request. 

I recently challenged XXXX and XXXX and they they attempt to validate this account and found that AWA Collect can not produce validation and deleted it from my credit. 
As the challenges continue with XXXX that say that AWA Collect reported accurate with sending me validation letters to acknowledge these debt. But update their remarks to violate consumer right for equal opportunity. 

As I still have no knowledge of this debt I had no choice to report as fraudulent. Until such documents that Ive requested have been produced. And be able to cancel this debt with a request from 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: PA

Complaint narrative:
I recently came across my updated XXXX XXXX report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I spoke to XXXX, who said she was a supervisor at Experian 's XXXX group. 

I wanted a reinvestigation of 4 hard inquiries. She refused based on company policy. 

Company policy can not override US LAW which states : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph This is US code 15 - section 1681 Experian refused on multiple occasions to reinvestigate 4 hard inquiries, stating that their company policy is DIFFERENT for hard inquiries, versus other items on the report. 

This contradicts US LAW - the law says ANY item can be reinvestigated and Experian refused, and I was give the first name and the group name above.

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 2020-12-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 


Experian tracking : XXXX XXXX XXXX XXXX XXXX. received XX/XX/20 at 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 non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2020, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have now received TWO " relia-card '' debit cards from US BANK. One was in my name and address, both correct. The second card, received today has my correct address on it, however does NOT have my name on it. The name listed is someone who does not and has never lived at this address. 

My credit has not been jeopardized at this time, from all I can tell. HOWEVER, US BANK is taking absolutely no responsibility for this issue, nor are they even acknowledging this issue AS a fraud issue. Let alone waiting close to an hour just to talk to anyone at US BANK about the issue. 

I have shredded the card the came in my name and address. At this time I have NOT shredded this newly arrived card. What do I do to prevent fraud AND also to let US Bank know to take responsibility? Typical, the big players, the bank get away scott free and the citizen is the one who pays the price in wasted time, energy, effort and potentially money. REALLY frustrating!

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 2020-12-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Since 2001, we have always paid the insurance and property taxes for our property outside of the our monthly payment to the mortgage company. We have never authorized and/or approved a servicer controlled escrow account for the purpose of paying property taxes and hazard insurance for the subject property. However, when Shellpoint became the servicer for the loan, an escrow account was set up and PITI was placed on the property, even though we already had insurance on the property a. To be clear, we NEVER authorized an escrow account and had assumed responsibility for payment property taxes and insurance outside of payments made towards satisfying the principal balance mortgage under the terms of our Deed of Trust.

Shellpoint has now increased the our monthly mortgage payments and claim that we owe an " Escrow Only '' payment of {$4000.00}. To be clear, when shellpoint place insurance on on our property, we already had insurance, so there were two insurance policies on the property at the same time as a result. Further, we have never had or authorized an escrow account. We do not believe that we should be responsible for payment of a duplicate policy, that we never authorized or had any knowledge of until after shellpoint had placed the policy on the property. 
I hired an attorney for the specific purposed of drafting and sending a letter to Shellpoint regarding this matter and in an attempt to resolve this matter. I have not yet retained an attorney for the purpose of filing suit against Shellpoint and this is my final attempt at resolving this matter before doing 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 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: RI

Complaint narrative:
I received an account statement from XXXX XXXX XXXX of XXXX, XXXX dated XX/XX/XXXX indicating I owed them US {$1100.00} for ER services received on XX/XX/XXXX. I called them on XX/XX/XXXX and told them I am not the person who received the services because I moved out from XXXX County on XX/XX/XXXX and that in XXXX I was already living in Rhode Island. They asked me for my DOB and confirmed that it is different than their patient 's. 

Later on XX/XX/XXXX I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX saying I owed US {$1100.00}. to XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I received another letter from the same people asking me to pay {$2300.00} to the same medical facility. 

I called the law firm on XX/XX/XXXX letting them know I am not the person who received medical services. They asked for the last 4 digits of my SS # and said they were going to relate it with the one of the person who received medical services, to make sure I am not her. 
I called again on XX/XX/XXXX telling them the same, I never received services in that medical facility. This time they said they were going to remove my name from they mailing list. I think they did, because I have not received more letters from them, but it looks like XXXX XXXX XXXX XXXX XXXX sent the account to another collection agency, Amerifinancial Solution. 

An alert from my credit card made me aware that something is damaging my credit. I called and they told me what's going on. According to XXXX the debt showing are two accounts, one for US {$620.00}. and another for US {$84.00} from the same medical facility.

I don't understand if since the first letter I contacted them and apparently it was clear that I did not received services. Looks like this person lived in the same trailer park I lived 20 years ago, is using the same name I used at that time, but I am not her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: GA

Complaint narrative:
Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.

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 2020-12-30 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: PA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp closed my account unfairly and would only send my money back to my bank if I paid a fee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 

Transunion tracking : XXXX XXXX XXXX XXXX XXXX received XX/XX/20 at 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 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX and XXXX I put two deposits on merchandised it was not received. One was for XXXX US dollars and the other was for XXXX US dollars. After receiving the money this person blocked me and did not deliver on said merchandise. I tried disputing through google pay which is what I paid him through and google pay denied my dispute. I tried disputing through my bank, which they denied my dispute as well claiming that because it was through a third party they could do nothing. XXXX  XXXX XXXX has referred me to your company.

Company response to consumer: Closed with explanation