vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
I have a serious situation on how did my Mother 's Name Get removed off her Mortgage statement? In 2012, my mother passed away and I was the co-borrower on on home mortgage.At that the XXXX XXXX was the Loan Holder.I submitted my mother 's death certificate to XXXX XXXX and her name was removed off the mortgage statement.When I submitted the death certificate I was not listed as the Power of Attorney on the Death certificate.I kinda felt something wasn't right because soon after the loan was sold to Penny Mac mortgage company.What I am trying to find out is how am I liable for a loan of my deceased mother and I am not the Power of Attorney on her death certificate.This seems like they sold the loan and removed her name and the death certificate never transferred to the next mortgage companies the purchased the loan.It Seem like her death was used as financial gain.Please look into this Grave matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I was a victim of identity theft, which someone hacked into my computer network and stole my personal information and opened up fraudulent accounts and created inquiries on my credit report with XXXX. In addition, I tried to dispute it with XXXX twice and they refused to remove these fraudulent items, which includes two collections accounts and five inquiries. I am asking you all to have XXXX  remove these fraudulent items off of my credit report.The Collection accounts include : Lanier Collection Agency, with a balance of {$480.00}. and another collection from Lanier Collection Agency, with a balance of {$92.00}. The inquiries include : XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX. Please remove from my credit file immediately, due to fraud. Also, I have a police report, FTC Report, and a affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Notice for Proof of Claim Account : Southwest Credit System, LP  BAL {$420.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was  manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/2020 a company with given name " XXXX XXXX '', opened up a brand new credit card in my name, WITHOUT my authorization or knowledge. Company claims to be debt resolution service. I gave them personal information about myself over the phone, being absolutely oblivious to scams ect happening, but never physically sent them any information they requested nor did I consent to ANY of the transactions they would start or make.i never even mailed the packed sent to me, back to them. On XX/XX/2020, I asked my daughter in law to make photo copies of ID, SS Card, and Power bill, to be mailed to XXXX XXXX. She refused until she did some research, in turn she phoned XXXX fraud activity department requesting information on said company, which they could find nothing. She did Not send any of requested documents to that company nor did I. I am XXXX XXXX XXXX and do not get out much with my health not so good. This Said company " XXXX XXXX '' opened 2 brand new credit cards in my name, 1 of which, being Bank Of America on XX/XX/XXXX with credit line of {$6000.00}. They did some sort of balance transfer, unbeknownst to myself. My daughter in law and myself contacted BANK OF AMERICA XXXXaud dept on XX/XX/2020, And spend approximately 1hr 20mins on the phone giving them details in regards to myself NOT opening this account nor giving ANY consent to have this account opened. And at this time also closed the account, as well as gave what information I had about the company whom I believe opened this account and that I certainly did not open or request this new credit card account. As of XX/XX/XXXX I received a letter denying my claim and stated " I must have benefited directly from transactions, but nothing in regards to me never even opening the account to begin with. {$6000.00} card limit, balance due {$6000.00}. On XX/XX/XXXX my daughter in law also cancelled the other credit card opened, by said company with {$9000.00} limit. She put a freeze on all 3 reporting agency, XXXX, XXXX, and XXXX. As well as a fraud alert with all 3 companies. On XX/XX/2020, my daughter in law also contacted the " XXXX XXXX '' with only phone number I have, and requested they stop ANY and ALL current or future doings in regards to myself. 1 final note, on ALL of my bank accouns, credit cards, mortgage, auto insurance, life insurance, health insurance etc., that I have personally established or opened, were done as " XXXX XXXX. My legal name is XXXX XXXX XXXX. I have gone by XXXX since I was a young girl. Everything this company " XXXX XXXX '', did using my legal name XXXX 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 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express continues to call me, send me emails, and threaten legal action on debts that are past the statute of limitations. 

All debts are to be forgiven after seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: GA

Complaint narrative:
To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies Equifax, XXXX and XXXX but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: GA

Complaint narrative:
To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies XXXX, Transunion and XXXX  but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.

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 2020-08-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to experian XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they XXXX XXXX XXXX is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with XXXX XXXX XXXX my XXXX score was in the XXXX hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly XXXX XXXX XXXX violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that XXXX XXXX XXXX remove the Chapter XXXX from my credit report my account number with XXXX  is 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 2020-08-23 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 {$2300.00}, {$23000.00}, {$31000.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -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 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I made agreed to a debit transaction for {$910.00} to XXXX XXXX, a clothing store in XXXX XXXX, NV. Unfortunately, the clothes were never delivered to my hands. I waited extensively 2-3 hours beyond the agreed time and still did not have the clothes in hand. I requested the merchant to refund the order on XX/XX/XXXX. The merchant executed the refund on XX/XX/XXXX. 

Thirty days later, I am again charged {$910.00} for the same order according to the merchant. I have never received the product. I requested the Merchant to credit the amount back. The merchant never returned the funds to the account. 

On XX/XX/XXXX, I have finished compiling my account information for taxes and discover that the funds have never been credited to the account. I initiate a claim with my bank Wells Fargo Bank. On XX/XX/XXXX, I receive an email that the account will not be credited and the dispute is closed. I call Wells Fargo Claims on XX/XX/XXXX, after the explanation of the dispute request being over 6 months old they can not get my money back and direct me to work with the Merchant, XXXX XXXX I inform them of my efforts and ask to speak with a supervisor. I am then transferred to XXXX, a claims supervisor. XXXX takes the time to evaluate the VISA transactions to corroborate my situation. After VISA corroborates my story, XXXX informs me that the corporate policy is to not refund anything older than 120 days. I ask him to evaluate this as Fraud because the merchant continues to charge me 30 days after a refund. He says he can not. I ask for contact with a corporate executive to hear 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 2020-08-23 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: IL

Complaint narrative:
XXXX XXXX is showing up on my credit card as a balance when it should be zero since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX   XXXX  XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}

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 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I noticed suspicious activity on my Cash App Visa. I  notified Cash App through their app on my mobile and I received an email acknowledging receipt of notification. I later attempted to call an 800 number, which later to learn it was not an official Cash App site. I sent an email to Cash App providing information from the 800 call which the representative asked me to access my personal checking account, an unauthorized payment to XXXX XXXX for {$690.00} was removed from my Cash App Visa, and two attempted withdrawals from my personal checking account declined by my bank, one for {$690.00} and other {$490.00}. My personal bank immediately deactivated my Visa debit card. I have not received a phone call from Cash App. I have only received communication through email. I went against my family and friends advise of filing charges and a complaint. I was asked to allow ten business days for an investigation, which ended XX/XX/XXXX. I received the following emails below post the alleged investigation. 

I had to travel for work without a debit card. I am on budget, in bankruptcy, bills not paid, and I had to borrow money. I am still wondering if my mobile is compromised, I removed apps and I limited my use. Cash App has not shown empathy, concern, or compassion to the matter. Cash App continues to dismiss the matter. 

Hi XXXXXX, The card network closed your Cash Card dispute claim in your favor. 
Date Status Amount Balance After Last Four Card # Type Statement Description XX/XX/XXXX at XXXX CDT Captured {$46.00} {$0.00} XXXX Card Not Present Purchase XXXX * XX/XX/XXXX at XXXX CDT Captured {$59.00} {$990.00} XXXX Card Not Present Purchase XXXX  * XX/XX/XXXX at XXXX CDT Captured {$5.00} {$990.00} XXXX Card Not Present Purchase XXXX  * The provisional credit previously paid to your Cash App balance is permanent. 
We appreciate your patience and cooperation throughout the dispute claim process. 

XXXXXXX Cash App Support Hello, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient : 1. Tap the Activity tab on your Cash App home screen 2. Select the payment in question and tap Request Refund 3. Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ Cashtags Double-check the recipients phone number or email for typos To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Best, XXXXXXXX Cash App Support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute request to Equifax in writing on XX/XX/2020. It has been well over 30 days since I requested that the derogatory information that they are publishing and still no response. I pointed out several inaccuracies and requested that the information be deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Good Day, My address was incorrect in Equifax system so I filed a dispute online giving them the correct information. They sloved the dispute but failed to correct it. I disputed again online and they did not fix it. I mailed in a dispute and they still have not fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: AZ

Complaint narrative:
Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX  deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX  and XXXX  on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX  when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.

Company response to consumer: Closed with explanation