vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter from the mortgage company claiming that my 'Condominium Unit Owner 's Policy expired ' and they 'do not have evidence that you have obtained new coverage. ' Because of this, they 'plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. ' ( full letter attached ) I was shocked and scared for about 5 minutes  before I checked my policy, which is valid from XX/XX/XXXX to XX/XX/XXXX. I presume the reason the letter arrived is that my mortgage was sold and CMC did not have their name on my policy. After I had my insurance company add them they sent another letter XX/XX/XXXX stating 'the condo coverage we ordered on your behalf has been cancelled. Please make certain that you or your insurance agent or carrier provide ( s ) us proof of acceptable insurance on a timely, annual basis. ' ( full letter attached ) I believe the wording in these letter is unnecessarily threatening, and blames me for not providing them updated insurance information because my mortgage was sold, when I have absolutely no control over these transfers. Furthermore, having to contact the insurance company to add them, wait for a reply, then submit the documents to the mortgage company wasted about 20 minutes of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX  who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX  XXXX XXXX checking or business account! Please help thanks

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 2020-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I do not owe anything to Fair Collections and Out nor have I agreed to anything or signed anything with this company reference any debt.

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 2020-05-02 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named Chex clear systems who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX XXXX XXXX checking or business account! Please help thanks

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 2020-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with Bank of America. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX who governs the Bank of America and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my Bank of America checking or business account! Please help thanks

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 2020-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The mortgage was transferred twice and Freedom Mortgage misapplied monthly payments under " principal '' and " unapplied ''. I talked with several representatives from XXXX to XX/XX/2019 who finally were able to apply the monthly payments correctly, however they incorrectly reported late in XXXX. The payment was NOT late they had the money each month just misapplied. I have called Freedom Mortgage twice and each time they say a supervisor will call me back and they never do nor do they correct the late payment on 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 2020-05-02 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: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
On XX/XX/2017, First Fed Credit Control listed 55 separate line items on my credit report for one account. 

The original account is with XXXX XXXX and the original balance is {$9500.00}. There is only one account but First Fed Credit Control listed each individual service received during the procedure as a  separate account and this is affecting my credit profile negatively. 

The procedure took place on XX/XX/2017. 

I contacted the company and asked them to investigate why the accounts are showing as separate. They would not provide an answer. But stated that each account will be closed upon receipt of full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Total Card, Inc.
State: WA

Complaint narrative:
I have been working on my credit in order to purchase a house for about two years now. I am finally at the point to purchase a home and have two out of six credit cards that I closed left reporting on my credit report. I have written into the credit card companies, I have disputed through the credit bureaus and I can not reach a resolution. I need help. Four out of six cards were deleted with no problem that technically should still be reporting but for some reason the credit Bureaus will not remove the last two cards and they are negatively reporting on my credit even though theyve been closed for over two years. I am really hoping this helps because I am desperate thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: WA

Complaint narrative:
When reviewing my credit report in XX/XX/XXXX I noticed a new credit card with a balance of {$14000.00} with Elan Financial Services and contacted Card Member Services and filed a fraud claim. This was denied by card member services as a representative for Elan Financial Services I have attached a copy of the original dispute and their letter denying my fraud claim.

They did allow me to close the account so no other charges could be made. I wrote them a letter explaining what the card was used for and then had to wait and see what would happen. 

Mr XXXX was making payments on time until XXXX of XXXX and at that time I received a late notice from the company. 

I then contacted XXXX XXXX XXXX, XXXX XXXX asking for their help with getting this late notice off my credit report and asked that they obtain proof from the company that I was responsible for this bill. I understood that by law when a dispute was filed that the company has to respond ... XXXX XXXX corrected some items on my credit report but I never received an answer from them or the company asking for some proof I am not sure how a company can send me a card I did not ask for to an address where I no longer lived, allow a prior authorized user to activate this card with a {$15000.00} limit and allow him to change the address and phone number/ I had never received a card, statement, phone call, email from this company before they activated this card making sure I could not stop this the first month. So basically they gave {$15000.00} to someone who makes {$800.00} a month with SS and was 72 years old and said go have fun but when the first late notice came they sent it to me, Ive been told by many sources that I  will end up being responsible for any balance left and this card is now once again 90 days late and I have received another late notice Where did the credit card company get so much power that they could do all of this without any notice to me. Where is their due diligence to the primary card holder and how hard would if have been to ask Mr XXXX for my information so they could tell me I had a new card and what my phone number and address was.

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 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
In early XXXX our mortgage was apparently transferred or sold to another company. We were unaware of the change. We continued to make ALL PAYMENTS monthly the same way we had been doing. We paid every month to date, we have no outstanding payment due. The new company is called Fifth Third Bank, a company which we had never head of. We sent all payments to the previous addresses used for payments : XXXX XXXX  XXXX XXXX, OH XXXX and XXXX XXXX XXXX XXXX, OH XXXX The following problems have occurred from early XXXX until the present date : 1. Fifth Third Bank has not cashed some of our checks which we have mailed.

2. Fifth Third Bank cashed some checks, but did not credit the payments, and instead marked the mortgage as unpaid, and improperly added additional fees and late charges 3. Fifth Third Bank has sent some payments back to us in the form of a check. To date as of XX/XX/XXXX, we have received 3 checks sent back to us : 1 check near the end of XXXX, in the approximate amount of {$4600.00}, 1 check XXXX of XXXX approximately {$4600.00}, and one check XX/XX/XXXX in the amount of {$15000.00}. Please note that these amounts for the 3 checks returned to us does not equal the total amount of payments we have sent to this company, and does not reflect the total payments that we confirmed the company received and cashed in the form of cleared checks. ( See evidence included of check payments confirmed cashed ) 4. We have made repeated attempts to pay all monies due in full, and the company either refuses to credit our payments, but does cash the checks we send, and improperly adds additional fees. 
5. This company has fraudulently initiated a foreclosure proceeding despite the fact that we have SENT ALL PAYMENTS DUE TO DATE, and the fact that WE HAVE THE MONEY TO PAY - and that we are trying to pay all amounts due in full. 

I am on oxygen 24 hours, 7 days a week. I am over XXXX years old and also have extremely bad XXXX. This has been very troubling to me and has negatively affected my health. We have the money to pay what is due, we have always had this money and we have been attempting to pay the money this entire time. This company is committing fraud by falsely adding additional fees and cashing our checks but not crediting our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: EMBRACE HOME LOANS
State: FL

Complaint narrative:
My complaint is about EMS Embrace, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
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 XXXX XXXX, 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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Unverified Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
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 XXXX  XXXX, 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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2020-05-02 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 {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}.

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 XXXX  XXXX, 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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. CITICARDS CBNA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
They make it impossible to get into my account every time I try to into my account they make jump though hoops I have only one XXXX that I use ever

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
In early XXXX of XXXX, I canceled my cell service with XXXX after having several problems with their service agents incorrectly charging my account. After several calls, they shut off my service, but failed to close my account, opting to keep my account open, until the first day of the next billing cycle, and then charged me for the entire next billing cycle. 

ATT had my phone number and email address, but failed to update their records about a change of address in XXXX after several contacts made to update their information. They opened a collection account in XXXX of XXXX, after zero attempts to contact about the alleged debt. 

The collection agency, Credence Resource Management, also made zero attempts to contact me. After seeing the account on a credit monitoring website in early XXXX, I contacted them and asked them about the account, and to send a verification letter regarding the debt. I then sent a follow up email requesting information about the debt, specifically asking about rights and procedures to challenge the debt, the address of the original creditor, and any and all available statements. I was not provided with any information for several months, and then only partial information was provided, but including my right to dispute. After several attempts to collect this information and an eventual threat to report this information to the proper authorities, Credence contacted me informing me that they would cease all communications with me.

Company response to consumer: Closed with non-monetary relief