vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TN 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 2020-01-06 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: NY

Complaint narrative:
To remove items from my transunion 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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
This is the 2nd complaint against Ditech. The 1st complaint was closed, # XXXX. Ditech 's response to my initial complaint indicated four checks were issued to me in the amounts of {$1100.00}, {$500.00}, {$120.00} and {$1700.00}. I was not aware of this until I reviewed the response on cfpd site. I immediately went home to review un-opened mail from Ditech, as I assumed the correspondence was simply confirmation of the electronic payments made from XXXX. I located check amounts, {$500.00} and {$1700.00}, however check amounts {$120.00} and {$1100.00} were never received. These checks needed to be re-issued. I spoke with several Ditech representatives on different occasions about the missing checks and was given conflicting information. At least XXXX different representatives indicated the check will be re-issued checks will take 7-10 business days for me to receive. I spoke to a supervisor, XXXX, from the Florida call center XXXX in early XXXX, she informed me she will investigate and contact me, she never did. I attempted to contact her and spoke with someone else, on XX/XX/XXXX, who stated the checks were re-issued. Since it has been well over 10 days I contacted Ditech again and spoke to several people who did not seem to understand the reason for my call and would transfer me to someone who could not assist me. Finally, I spoke to a manager in the XXXX, AZ office by the name of XXXX XXXX. XXXX stated she could not confirm if the checks were re-issued and will submit a request for checks to be re-issued and will follow up with me in 2 days. I also provided her with ACH information to help expedite payment. At this point I am beyond upset, as I am clearly getting the runaround. I lived in the property for over 16 years and now I am facing foreclosure for what I believe to be a mix up/break down of communication. The representatives I have communicated with since XXXX all have a different skill-set and provided conflicting information. I am in need to the money due to me, as it will help me stay in my home. Now I have a new mortgage service ( XX/XX/XXXX ) and they are not aware of any of this return payment issue with Ditech. In addition, the mortgage servicer mentioned in Ditech 's response is not correct. I am receiving correspondence from a servicer, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have tried to rectify an issue with Freedom Mortgage on several occasions. I am XXXX XXXX military and frequently travel outside of the US in completion of my duties. I am often difficult to get in contact with and often have a delayed response to inquiries. On XXXX19 I called Freedom Mortgage in response to a letter I received to ensure my account was up to date and there were no issues. During the XXXX19 call I initiated I asked if 1 ) my account was current 2 ) did I owe any monies ( fees, late charges, etc. ) 3 ) why there was an increase to my payment and what was the new payment. The individual on the phone was very helpful, albeit a bit rushed, and assured me there were no issue with my account. They relayed to me that : 1 ) My account was current.

2 ) The difference in the new and old payment amounted to {$46.00}, there were no late fees or additional charges because it fell below the {$50.00} threshold and since I am XXXX XXXX military there would be no further assessed fees. I would also pay the {$46.00} in addition to my scheduled payment in my XXXX19 payment. The individual assured me that was fine. 
3 ) They could not provide an explanation of the approximately {$13.00} per month increase, but they assured me it was common and a minor amount that would fluctuate. I thought this strange and asked them to ensure this was not an ARM loan. They stated it was not and the new payment would be {$1400.00}. I informed him I would make the changes to my direct deposit and that it will take effect on the very next payment of XXXX19. Again, they stated that was fine and there was not a problem. 

Unfortunately, there did appear to be a problem. I was informed through a credit monitoring account there was an issue with my credit rating due to this matter. I immediately called the customer service line and was told, although there were no additional fees and the lapse between old and new payments was under the {$50.00} threshold, I was 'turned in ' and would have to write you in order to rectify the matter. I am hoping this will clear up any misunderstanding and that Freedom Mortgage will make the necessary corrections with the Credit Bureau. Please let me know if there is any additional information I can provide. 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 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: WA

Complaint narrative:
The company is SIMM Associates , Inc. in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : XXXX , XXXX . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
To whom it may concern, On XXXX XXXX, I opened a business account at U.S. Bank XXXX XXXX XXXX Missouri with my Partner XXXX XXXX XXXX, Her husband is the Manager of our Business named The XXXX XXXX XXXX and he also had signing authority. All three of us were signatures on the account. 

I became suspicious of financial misconduct in XXXX of 2019 and requested financial records and documents from my partner and manager. Please note I am a 50 % owner. The manager is NOT an LLC member but a Employee. 

When I requested these records they refused to provide them and I hired an attorney. On XX/XX/2019, My Attorney XXXX XXXX sent a demand letter to the Manager XXXX XXXX and XXXX XXXX the other 50 % owner. This was still refused. I went to U.S. Bank to obtain cancelled checks and bank statements that were being sent to the NON operating address of XXXX XXXX and not the Company Address. 

When I presented to the Bank I was told that the parties had presented to the bank and stated there was a fight over the company and they removed me from the account without my signature or permission. also Please note ... They did not withdraw the money and open new accounts, they removed me from the business account against my will. 

I filed a complaint with US bank and requested documents from when I was an account holder and also anything I had supposedly signed. The bank refused to provide me with copies of anything holding my signature or any bank records from when I owned the account forcing me to go through the legal system 's long drawn out process to obtain these documents. To this end, due to the court system and after my attorney has even called them, I still do not have these documents and they repeatedly refuse to provide me with them despite being legally entitled under Missouri Law. 

As such, it has been discovered that the above mentioned parties have used this bank account to divert moneys to other accounts for the purposes of Fraud and Embezzelment. Multiple lines of credit have been opened in the companies name without my consent. 

Now, because of such delays, they have continued to use this account to Embezzel funds, run a payroll fraud scheme and the company and myself are financially harmed. I suspect that the Business Bank person " XXXX '' who removed me at their request without any signature, is involved. These people have Multiple shell business accounts at this bank. These businesses do not have employees and are utilized for tax fraud. Multiple employees have discovered Taxes withheld and stolen from them. This bank has damaged everyone and they are involved in the misconduct.

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 2020-01-06 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: AR

Complaint narrative:
Received continuous harassing phone calls from Portfolio Recovery Associates for 3 months, leading to my filing CFPB complaint # XXXX-XXXX  in XXXX. 
PRA 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the XXXX  breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that Portfolio Recovery Associates had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to Portfolio XXXX  Associates now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from Portfolio XXXX Associates with their followup documentation justifying (? ) their harassnment. PRA has included a copy of a letter that XXXX XXXX  sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 XXXX XXXX letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Breaking federal law by not using my identity theft report to remove fraudulent items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hi there, We have a business checking account with XXXX and just want to report a scam. We sent some funds to someone via Zelle and it turns out this person was not who they said they were : My boss saw an ad at XXXX for a golden retriever puppy in XX/XX/2019. She reached out to the " sellers '' to say she was interested in purchasing. Seller responded with some information on the puppy -- age, he has hip issues, amount for purchase. Seller said they were located in XXXX and could drive puppy down to XXXX XXXX that weekend but they would need a {$200.00} deposit. They requested she send via Zelle.  We sent the funds but started questioning information given by the seller. We did some online sleuthing and found that the XXXX address they said they live at does not exist. Seller said they made a mistake in the address and gave us a different street number. That address is a real location but now we're suspicious. Did some more sleuthing and found a XXXX account and XXXX page used by the same email address we sent Zelle funds to. This person 's XXXX page indicated that they currently live in Texas. XXXX confronted them via text about it and the guy eventually came clean that they are in Texas and there is no puppy. 

We filed complaint with XXXX. XXXX took our complaint but said there's nothing they can do to recover the funds since we authorized the transaction even if it was sent to a fraudulent person. We asked XXXX if they could contact the receiving bank to let them know one of their customers was pulling a scam and XXXX said they can't even contact the other bank about it. We tried to call Zelle as well and just got the robot customer service - can't reach a live person. We understand the money is gone but just want these people listed as frauds somewhere. XXXX couldn't even give us the name of the bank that the funds went to so we could call them ourselves. We'll try to make a police report now but not hopeful that will do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Local Management, LLC
State: SC

Complaint narrative:
Local XXXX XXXXs sent me a check and on XX/XX/XXXX I cashed it as soon as I cashed it the branch manager they're called me I was out work so it went to voicemail then called my husband right after then called my family relatives spoke with one of my relatives and told them I cashed 1 of their checks and should they be worried. Then continued to verify all my information with my relative wondering if the number I provided was correct even know it was the same number in the system for several years. I do not speak what this relative I was very embarrassed finding out that local financial told them that I cashed a check and wanted to know if they should be worried. I spoke with XXXX upper management and he did research and told me he sorry for the inconvenience and it won't happen again I was expecting more to take place on this. Then the branch manager called me today telling me I need to come in there and make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: TN

Complaint narrative:
I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TN 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 2020-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
We were told we were closing on XX/XX/2019 at XXXX and our lender told my husband that she would contact him 24 hours before with more information. She sent my husband an email on on XX/XX/2019 that said our pre-closing documents were enclosed. We reviewed them and had questions about it because a lot of stuff wasn't marked that we thought should have been. Come to find out we were only sent the pre-closing documents for our second mortgage loan ( down payment ) and nothing on our initial mortgage loan. When we were on the phone with her the night before ( XX/XX/2019 ) we were to close, we had to beg to have anything for us to review. We were able to talk our agent into sending us a draft copy of our first loan closing disclosure at XXXX the night before we were to close. I then finally got a final closing disclosure when I went to the title office the next day at noon after asking the tittle office to print me a copy. It's my understanding that we were suppose to have the information 3 days before closing so we could review and ask questions.

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 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.

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