vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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 {$0.00}, {$0.00}, {$1600.00}.

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. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following debt is NOT mine. Weve asked XXXX XXXX for the following and received nothing of what we asked for. Original Contract with my signature, pay off Disclosure, interest Rate Disclosure, balance history, payment history, credit Insurance. Thru this service weve received nothing so far. Attached you can see that this debt started XX/XX/16 ... XX/XX/16 ... XXXX. I live always in Pennsylvania and 4 years is the maximum this company can collect on this debt. The state laws as the Statue of limitations is 4 yrs. So this is over now, and since they can not show me one check of payment from me, this debt on my credit is over.

THRU CFPB last month and the month before we asked XXXX XXXX for proof and received none of the above ( 5 ) contract documents. NOW as of this month the statues are up. Are you Consumer Protection Bureau Not going to Demand that this company, whos been violating my rights for ( 4 ) years, not going to do the right thing by me???

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account.

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again.

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager.

1 hour on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much of XXXX do I need to take to get this money sent to my bank account!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Weve asked this company Target, to send us the following through your agency CFPB. They did not give us a signed contract with my name on it, or a pay off disclosure, or interest rate disclosure, or balance history, or payment history, or a copy of a check from me, or credit insurance, all being asked as of XX/XX/XXXX. 
Now they report I opened this account with them XX/XX/XXXX, and that is four yrs and that is the STATUE OF LIMITATION in the State of Pennsylvania where Ive always lived, so this must be removed from my credit report by law and all pursuing of any debt must stop by law!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I have been locked out of my penfed checking saving and line of credit account for several weeks. I have sent in my documents I have done everything I can do and Im still locked out I have a dispute open for global coins roughly XXXX or so dollars was taken from me. I cant check my account balance or anything everything is locked. My overdraft line of credit is over the limit and i cant pay on it i did try to pay some bills and spend money I was expecting a irs direct dep and it never came they have sent back my paments and have cost me several hundered dollars in fees my XXXX  XXXX was shut down becuase they are sending everything back as fraud when the only thing i disputed was global coins I am sending all the forms to you maybe you can get them to help me im also sending you a financial hardship app to send to them please note my id is currently for mo i am working on getting it replaced

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
MY COMPANY HAD SOLD JEWELRY TO AN INDIVIDUAL VIA OUR ONLINE WEBSTORE. WE SHIPPED THEIR ITEM AND THEY RECEIVED EVERYTHING. THE BUYER THEN INITIATED A CHARGEBACK ON THE ITEM WE HAD SHIPPED TO THEM STATING THE ITEM WAS NOT " AS DESCRIBED ''. PAYPAL HAD AUTOMATICALLY SIDED WITH THE BUYER AND WE LOST {$980.00}. IF IN FACT THE BUYER HAD STATED THE ITEM WAS NOT " AS DESCRIBED '' THEN WHY WAS THERE NO OPTION FOR THE BUYER TO SHIP BACK OUR PRODUCT BEFORE THE FUNDS GO BACK TO THE BUYER??? THAT IS ABSOLUTE FRAUD AND PAYPAL DOES NOT PROTECT SELLERS AS THEY STATE ON THEIR AGREEMENT/TERMS. IT IS VERY UNFORTUNATE THAT PAYPAL DOES NOT CARE ABOUT THEIR LEGITIMATE SELLERS WHICH PAY THEIR FEES. YOU GUYS TAKE OUR MONEY FROM FEES AND CHOOSE NOT TO PROTECT SELLERS WHICH GIVES YOU GUYS XXXX AND XXXX OF DOLLARS?? WE DEMAND PAYPAL GET TO THE BOTTOM OF THIS OR WE WILL GET A LAWYER INVOLVED. WE HAD NOT NOTICED THIS TRANSACTION UNTIL WE WENT THROUGH OUR BOOKS RECENTLY. 

DETAILS OF TRANSACTION : Transaction ID : XXXX Purchase Total {$1100.00} USD Sales Tax {$0.00} USD Shipping Amount {$45.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Discount- {$160.00} USD ( TransactionDiscount ) Gross Amount {$980.00} USD PayPal Fee- {$28.00} USD Net Amount {$950.00} USD Invoice XXXX WE HAD SHIPPED TO VERIFIED AND CONFIRMED ADDRESS AND THE SHIPMENT WAS SIGNED FOR BY THE SCAMMER " PURCHASER ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Phh Mortgage Company has violated my rights as a successor, according to law sb1150, I have contacted there company on various occasions in regards to the death of my grandmother XXXX XXXX XXXX she died on XX/XX/XXXX loan # XXXX I have sent to them numerous documentation such as my identification death certificates affidavits and court documents stating when probate will be done which on XXXX. I tried to send payment to the company and they returned it because payments were not made prior to my move in date. I have tried to speak to the company and make a modification on the loan or see if I am eligible for forebearance due to covid 19 I was still told I could not get any information and that since I not listed on the loan there was nothing they could assist me and I could not get any information to stop default. Now they have put house in foreclosure and have a auction set in XX/XX/XXXX and I feel that I have not been given the chance or information to best address any defaulted loan because I could not get information from there company. I have called emailed and wrote letters and now it has still not been addressed, I would like to be able to save my grandmothers home and get the proper information to modify and stop foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
On XX/XX/2020, I checked my credit scores on XXXX XXXX and was excited because my XXXX  and XXXX  scores had risen by 30+ points. My husband and I had been working to improve our scores so we could get our mortgage refinanced through a traditional bank instead of our escrow services. Quicken loans was contacted about this a few years previously and told us that we needed to have a FICO score of XXXX. So, we kind of gave up. Well, not watching our credit scores, they rose more. Again we tried to refinance through Quicken Loans and was told this time that we had to have a FICO score of at least XXXX. So, we paid off a whole bunch of debt and worked hard to get over that XXXX mark and finally did on XX/XX/2020. I called Quicken loans to see if we could finally refinance. We were surprised to find out that they went off of our highest scores. It was strange that my XXXX  score, checked that morning was below XXXX. XXXX  and XXXX  reported my scores well above XXXX. But Quicken Loans informed us that my XXXX  score was the highest at XXXX. How can there be this much of a discrepancy when I look at my credit report and when they look at my credit report? And why do I have to pay a monthly fee to any credit bureau to raise a number that I am judged by? Looking at my three free credit reports once a year doesn't even include my credit score. So how can someone just pull up my credit score and I, whom this number belongs to, not have that privilege? And don't you think if I had the money to pay these companies, my credit score would be higher so that I wouldn't have to pay to get this number? This credit bureau system that's in place is so flawed, ridiculous, and so extremely frustrating. Telling me I'm using 100 % of my credit and lenders see me as a poor choice to borrow money. My debt to income ratio is 8 % and I should open a credit card account to raise this magic number. But don't use your credit card over 30 % of the credit line or this will lower your number. I guess what I'm trying to convey is, why are we judged by a number? Everyone makes mistakes in their life. How can Quicken Loans tell me to do all of this stuff to raise my credit score and when I do, they don't hold up their end of the deal with no consequences for them, but another inquiry goes on my report? And their website that says you are qualified to refinance or buy a home but when they call you the second your phone number is entered, you are not qualified because of some new excuse. This is false advertising, bait and switch, and very deceptive. It's pitiful how businesses, financial institutions, landlords, and even potential employers can base their decisions on a number rather than looking at someone and asking them questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
on XX/XX/2020 i recieved several deposits from unemployment into my paypal account. I immediately requested a transfer of XXXX to a linked account and was denied without reason. i then was only allowed to withdraw $ % XXXX increments from XXXX and my account was limited. i reached out and the limitation was removed and i was assured in 48 hours i could remove my money. OnXXXX XXXX i attempted to transfer my money and again was denied andf told i had to wait another 24 hours. i waited, on XX/XX/XXXX i attempted to transfer again and was denied and could get no answers from anyone. i recieved emails and messages on the 3rdto send in verification of new account linked to my paypal and other documents, this after i had already sent in a pic of me holding my id as requested. Immediately after my account wasd limited permanently and i was informed my money would be held for 180 days, i hacve contacted them repeatedly and was told it was because of too many logins, then too many attempts to transfer my money, now because of possible fraud but they wil give no specifics and are forcing me to leave my money in their control for 180 days. i was also told that this money is no longer eligible for pass thru fdic protection, yet as it was all from eft it most definitely is covered. by claiming it is not they now can simply say the money was mlost and im just out. i want my money transferre3d to my bank as requested and as they are bound to do and have denied my requests from the beginning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
After opening my initial complaint and coming to the realization of the facts after further research ... 

XX/XX/XXXX we notified our then current mortgage company, Umpqua Bank, that we would change our existing home owners insurance from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX Umpqua added XXXX and made policy payment to them for the year. Rather than cancel XXXX XXXX, they made a year long policy payment to them as well on XX/XX/XXXX. 

XX/XX/XXXX Umpqua transferred our loan to XXXX XXXX. Upon prior complaint and CFPB investigation, XXXX stated that Umpqua neglected to include XXXX policy and listed XXXX XXXX as our insurance. In the meantime, on XX/XX/XXXX XXXX XXXX once again, requested payment from the mortgage company for XXXX policy and XXXX paid them another {$1400.00}. Meanwhile XXXX insurance is mailing us cancellation notices for nonpayment. 

XX/XX/XXXX XXXX finally pays the correct insurance company ( upon request ). But once again, for the second year in a row I have paid TWO homeowners policies. That makes me sick to think how hard this pandemic has hit our family financially this year. We didnt want to pay for two policies but we did unbeknownst to us until now. We just wanted to save $ XXXX {$700.00} per year by changing companies to a more affordable option. We had enough of XXXX XXXX increasing their rates year after year. 

Unfortunately, during the transition of my loan, Umpqua Bank and/or XXXX completely failed to manage my escrow account properly and that is my complaint.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Been trying to pay my card but they will not let me change my phone number so I can pay it ... They do not have a physical place to go, cant help over phone or on the internet ... They say they sending a confirmation in the mail but dont ...

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 2020-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On or the month of XX/XX/2020 I made a order from kohls using my credit card ... I had noticed that my order had not came in this was during the height o corona virus I tried calling kohls over and over again to check on my order but was never able to speak with anyone because their system was so flooded with calls so I figured I had not received my product because everything had slowed down do to the pandemic around mid XXXX I checked my credit report and I saw where kohls had put a bad report for none payment on my credit report I contacted kohls ask them to explain why did they put incorrect info on my credit report I asked them how do I owe u a bill for something I never receive that I never received my product and that I called and called to check on my product and because their phone system was flooded with so, any calls there would either be hours of wait time or they ere only allowing so many calls into their system.I explained to the representative that I had been trying to get my product and why did kohls never sent me a bill or never called me saying I owe this bill I was told to pay the bill and all my money would be returned and that they would correct the problem with the credit reporting agent..kohls sent me a check for my full amount but never correct the negative on my credit report ... .I am asking that kohls remove the negative info from my report because I have did nothing wrong ... it was kohls who didnt do their job its kohls who did not send me my product but expected me to pay for products that I never received ... is was kohls who, did the research and realized that I did not get my product and returned me all of my money for a product I did not receive even tho they know I am correct because they agreed and refunded me my money but they still refuse to remove the negative lie that they put on my reports and that is against they law to put negative info on someone report .I am asking kohls to, please remove their negative info like they said they would 3 months ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Account Resolution Services has place a negative item on my credit report ( s ) they are attempting to collect on an alleged debt in the amount of {$1000.00} a medical bill that I have no knowledge of. The original creditor is : ( XXXX XXXX XXXX XXXX ) I DID NOT RECIEVE A WRITTEN NOTICE ABOUT THIS DEBT and was never a patient at the above mentioned medical facility. Nor was I contacted by phone or email regarding my rights to dispute this alleged debt or to request validation of this debt which are my rights as a consumer pursuant to the FCRA and the FDCPA. 

They may also be in violation of the HIPAA guidelines regarding 3rd party medical information. This agency took it upon themselves to just place this information on my reports without due process. Which is why I pray that CFPB will investigate this matter, and this agencies illegal collection practices. I am very distressed about this especially with the impact of Covid-19 and this item has placed harm to my good clean credit rating

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE SEE THE ATTACHED LETTERS AS CONFIRMATION OF ACCOUNTS PAID IN FULL

Company response to consumer: Closed with explanation