vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Community Loan Servicing XX/XX/2021. 

After making regular monthly payments, suddenly in XXXX I started receiving notices of overdue payments and the process of forbearance. According to their website, they subtracted {$1000.00} from my previous payments which then showed I was behind by two months. I called their customer service and they said I put a stop payment on the XXXX payment for {$1000.00}?? The payments are only $ XXXXmo. Rep said I could send a dispute with documentation of the last 6 months Bank statements showing the ACH payments and I would get a response in 24-48 hrs. Sent dispute paperwork on XXXX, didn't hear anything for a week. Forwarded the first email with a follow-up email on XX/XX/XXXX. On XX/XX/XXXX got a call from collections trying to get me to make a payment telling me he doesn't see the dispute or the emails. Then he found the emails and gave me a different number for the resolutions team. That turned out to be the number of an apartment complex in XXXX XXXX. Called back ( each call is an hour long wait to talk to a person ) and she gave me a completely different number. Called that number, and after a hour on hold the line disconnected. Meanwhile, my insurance company of two of my rental property 's sent me notification of re-rating due to default on my mortgage and I have received several letters from Community Loan Servicing informing me that I am in default of my loan and may soon start the foreclosure process Finally on XX/XX/XXXX I spoke with someone ( another hour on hold ) who said they fixed their mistake and loan was current and they were going to fix the credit reporting in 2 or 3 weeks. In the meantime my bank is re-reviewing my SBA application for a business sale and is in jeopardy. I have still today not received any conformation from Community that I am disputing their records. They said they can only correct the record and can not contact my insurance company to explain what happened. They can not explain what happened?? Just to say it was a mistake in the payment processing dept. How can that be? All my payments are ACH which is an automated process? How can you " stop payment '' for {$1000.00} when the payments are {$760.00}? Mistakes happen, I get it, but how you how you react to fix it is how you are perceived. Customer service is WAY down their list of priorities and feel bad for their frontline employees who have to deal with the incompetent Ownership and Management of this company. Its greedy to take on more business than you can manage effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy credit card account with Citibank.I have been a member with them since XX/XX/XXXX. I have been paying on my card and recently paid a big Chunk and paid the card off to a XXXX balance. Before this, I have noticed that when I was making payments every month. It seemed as though my balance was not decreasing the way it should have with my payments made every month. 

I made a call in XX/XX/XXXX when I noticed on my statements I have been charged every month for something called Debt protection.? I have never authorized this. When purchasing something at Best Buy they ask if you want the 18 month interest free program or pay it all and receive rewards. Never have I been late on a payment or missed any payments. Best Buy representative transfers me to this debt program. 

When speaking with the Debt program they say I signed up with them back when I opened my account. I never marked such box. Then they told me they would refund the charges back to me by mail in 30 days. 30 days go by and nothing. I call again XX/XX/XXXX. Best Buy sends me to Citibank and they tell me there's nothing they can do for me. Then once again I'm transferred to the Debt program. Who informs me again, another 30 days for them to send a letter of a refund or not. Now there story changes. I asked for proof of it saying I needed this debt protection plan. They have not provided it and keep giving me the run around. Once again telling me it will take another 30 days. When I asked why am I being charged for something every month when I have never been late or needed help paying my payments? They can't give me an answer. This is fraud!! They have been ripping me off and I have two years of statements that Best Buy would let me pull off my statements. Adding up to {$400.00} since XX/XX/XXXX. I have attached the letter they sent and some of the statements with the amounts they have pulled in the past two years. For it will not let me attach more than 10 MB. Also, I had a DVD the balance was {$10.00} and they charged me {$14.00} ( debt ) so my balance came to {$24.00}. So now I paid more to them on that balance than my dvd costed me. Sometimes they charged me almost {$30.00} a month! If you would like to see all statements please let me know if there is a way I can send all of the past two years?

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received a letter from Resurgence today with regards to a utility bill that was dated back to XXXX. This original creditor I have not had since XXXX. I read the statute of limitations here on Pennsylvania and from what I have read it is past. I have more than one account with this collection agency of which it also states on the letter. Statement " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency '' I am being informed that because it is now past the time frame that they transferring this debt to someone else. This account is XXXX XXXX. The other account that I have was date XXXX and they are also trying to collect on this account. 
To my knowledge these accounts I have not heard from in over 10 years, now out of the blue they are getting in touch with me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone was able to steal XXXX dollars from my bank of America account via atm without my card! I never lost my card and still have it. Despite this bank of America lied to convince me to close my account and when they sent a new card the account was frozen with all my funds. They also halted their own fraud investigation ( suspicious ) on account of my account being frozen. Bank of America has no right or reason to close my account indefinitely and should be held liable for any and all consequential damages.

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 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2021 I placed an order at a restaurant called XXXXXXXX XXXX XXXXXXXX XXXX, as directed I went to the restaurant to pick up my order and the worker told me they had no record of my order and had no food for me. I showed the restaurant worker the pre charge on my phone that o a pending charge of {$75.00}. The worker then proceeded to berate me saying there was no order. I then advised the worker that is alright I will go to another restaurant, to cancel my order. I then left and picked up dinner at another restaurant ( left without any food because there was none and I was being treated with disrespect ). 

XXXX XXXX still charged me the {$75.00} and I then disputed the charge with USAA banking credit card services explaining in detail what had happened. 

I then received a letter from USAA stating they needed more information, I call them immediately, spoke to a representative and further explained that I did not receive, nor did the restaurant have any food for me. The USAA representative I spoke to said they would get the information to the dispute department and said the dispute would be approved. 

On XX/XX/XXXX I received a letter from USAA stating that my dispute was not approved. 

It is unethical for the restaurant and USAA to treat this matter in this manner and I hope that you can assist me in resolving this matter. 

The USAA dispute number is XXXX. 

Please let me know if you need anything else - thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I wrote a letter for debt verification to Transworld Systems Inc. and they wrote me back stating I had a XXXX balance. They also attached a Statement of Account from 2015 showing a zero balance. Where is the contract with my signature on it? Transworld did not provide this information because they don't have it because I do not owe this debt! This frivolous claim is effecting my credit. If they can not provide a contract with my signature on it, then I want this frivoulous claim removed immediately from the three major credit reports, XXXX, XXXX and XXXX immediately. This debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: XOOM CORPORATION
State: CA

Complaint narrative:
FTC Report Number XXXX XXXX XXXX XXXX Dentist stationed in XXXX, CA-moving to XXXX in XXXX. Responded to XXXX ad for " mother in law XXXX XXXX XXXX XXXX XXXX, XXXX, TX. XXXX XXXX XXXX ( XXXX listed as XXXX XXXX ) at XXXX. Viewed video of unit, scheduled phone call to discuss living arrangements. A woman called me from XXXX, we talked about the unit. She asked for a date of birth for background check which I provided. We later texted about the lease-she sent over signed lease form with requested refundable 1 month security deposit via Bank transfer ( XXXX XXXX number in lease ). I signed lease electronically and sent transfer via XXXX XXXX Xoom feature. A few weeks later, received form text stating that " we had to leave country for tragic emergency '' and requested address and deposit amount to send check. I became suspicous and texted back confirmation-no reply. I then emailed previous address and email was returned as undeliverable. I realized that this was attempted identity theft and filed FTC report. I also placed alerts on bank accounts, credit reports, and am filed police report. I am filed with bank and received funds back. I believe that woman was not " XXXX XXXX '' and that she took information from the real XXXX XXXX 's online information ( husband 's name, work status, etc ). This person now has my name, personal email address, personal phone number, date of birth, and signature ( electronic ). Person does not have my bank information as I sent via XXXX. XXXX Xoom has sent me to collections for money owed, stating that since I authorized the transaction it was valid and I need to pay them. I called over the phone on XX/XX/XXXX and explained the identity theft/fraud but they stated they still considered it valid and I needed to pay the money. I offered to send the FTC, police and bank report and they declined. I stated that I would file with the CFPB. The case number for XXXX Xoom is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Over the past 1.5 years I have attempted to get information about the debt Im accused of owing. J have requested a detailed breakdown of all Charges on this account. I received a response with only a amount owed without any type of clarification of charges. Only a bill! This is not right and they are still not removing it off my credit report. How can they do this without proof of purchases and/ or charges? Also when I received the information on account it was late by at least 15 days. Now they are calling me? Weekly /daily. Why are they doing this to me? I just want to get the statements of all purchases I supposedly charged. And the authorization to do so? Give me something to work with for XXXX  sake!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: GA

Complaint narrative:
I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX XXXX WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies

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 2021-03-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I REACHED OUT THE COLLECTION AGENCY AND ASKED FOR VALIDATION OF DEBT 2 TIMES, NEVER RECIEVED VALIDATION OF DEBT AND REQUEST NO CALLS FROM THIS AGENCY, AND RECIEVED A CALL FROM A DIFFERENT AGENCY, AT FIRST IT WAS XXXX XXXX AND NOW ALLIED COLLECTIONS, WHICH THEY ARE AT THE SAME ADDRESS UNDER THE SAME UMBRELLA, SO THEY SHOULD NOT BE CALLING ME AT ALL .... AND ALSO I STILL HAVE NOT RECIEVED VALIDATION OF DEBT, ASKED FOR THRU XXXX DISPUTING ACCOUNT AND CALLED COLLECTION AGENCY IN 2020 AND STILL HAVE YET T RECIEVE THE VALIDATION I OWE THIS DEBT, THE GIRL THAT ANSWERED ONLY WANTED TO ARGUE WITH ME ABOUT WHY I HAVENT PAID AND TOLD HER THEN NOT TO CALL ME. AGAIN PLS SEND ME VALIDATION THAT I OWE THIS I GET IT OFF MY XXXX, NEXT STEP WILL BE TO HIRE AN ATTORNEY FOR LAW SUIT!!!!!!!!!

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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This phone number continues to call me, after I have notified them they have the wrong number. They call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called ( and spent hours on hold ) to get in touch with all three credit agencies.

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be.

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis.

I have been trying to get this corrected for months, only to see no change in their erroneous reports.

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.

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 2021-03-18 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:
XX/XX/2021 a dispute was filed with XXXX, Experian, and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the experian, XXXX, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Tried to get a verification of mortgage and the company reported that I was late 30 days or more seven times in the last twelve months. After thirty hours of phone calls, I still can not get this problem resolved.

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 2021-03-18 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 previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
We signed up for mortgage forebearance in XX/XX/2020 due to losing job due to pandemic and we were accepted through cares act us bank home mortgage. I only missed three months and having been pay. The three mortgage payments were put as a lump sum at the end of our mortgage but now they are saying we are three months behind and reported it to 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 non-monetary relief
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus TransUnion, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

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