vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, XXXX  out both XXXX  and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them ). I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
In XXXX of XXXX I researched XXXX service prices. I mistakenly scheduled an installation date which I promptly canceled. I then received a bill for {$160.00} for services, though I never received any. I called XXXX and confirmed the appointment and account were canceled and no balance is owed. 

I am now receiving collections letters from Radius Global Solutions, LLC that I owe {$160.00} for a past due account with XXXX. I called XXXX today, XX/XX/XXXX, and spoke to 5 different agents who all confirmed the account is canceled and no balance is owed. I asked them for help removing this collection but none could find any evidence as to why there would be a collection. They continued to transfer me to several different departments but none could help. 

I have never received any type of service from XXXX and do not owe them money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX  account as reappeared on my credit file account number XXXX .I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please be advised of my ftc report for you to remove the unverified accounts listed below that remain on my credit report in violation of U.S.C. 1961. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these account : How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
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/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  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  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1700.00} -This is not my account. 

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

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


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my Experian report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with Experian asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual 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 non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
This company has been a headache the whole time I have tried to work with them. I completed an application a few months back when they were running a special for a free appraisal and a {$2500.00} credit. They cancelled my application, made me re-apply, and then said the previous deal no longer applied. 

After many discussions, we came to a worse agreement, but closer. 
We began to process the loan. They said I still needed to get an appraisal, even though my LTV was XXXX %. They said this needed to be a full-interior apprasial. 
When they attempted to schedule, I said I wanted to wait - which they said was fine. 

They charged me {$550.00}, which was said to be refundable until I scheduled the appraisal. 

Now, they have once again cancelled my application, this time when it was just short of approval, and did so yet again, without communication with me on their cancellation. They are now telling me that the {$550.00} is non-refundable and that they did a drive-by appraisal. This was not what was discussed and was not approved by me or anyone else. 

This company 's business practices and customer service are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I contacted Quicken loans and spoke to a representative about the possiblity of refinancing my home with them. I DISCLOSED that my Chapter XXXX was discharged in XX/XX/XXXX and if they would be able to assist me with a refinance. I was told " Most Certainly. We could do an FHA loan and possibly let you know your best options, if any others are available ''. I inquired on how I could proceed with the process. They told me I needed to speak with a XXXX  representative as he only represented XXXX  transaction. I was connected with a XXXX  rep to begin the process. My credit was pulled and I was then told I couldn't proceed due to the Bankruptcy. I requested to speak with someone in their customer relations department about reversing the credit pull given they provided erroneous advice that sent me down a path to nowhere and as a resulted pulled my credit impacting my credit score. They said they would investigate. I then spoke with XXXX XXXX ( XXXX ) on XX/XX/XXXX who called me to apologize for the reps misrepresentation but they would not reverse the credit inquiry. They only resolution was an apology and they told me they would address the issue with training their staff ... XXXXSO WHAT ABOUT MY CREDIT! That's so wrong on so many levels!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX data breach and may have got into the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC
State: MI

Complaint narrative:
XX/XX/2020 XXXX XXXX In XXXX of 2020 I attempted to open an account with XXXX XXXX XXXX. To fund this bank account opening I used my bank that I use for my student loans Bank mobile. I requested that {$160.00} was to be transferred to the XXXX XXXX account and Bank Mobile confirmed that the funds were removed from the account. The funds were place on hold until I completed a verification of my Bank Mobile account. The verification happened when XXXX XXXX would send two deposits to my Bank Mobile account, the deposit is very small usually less than a dollar. 

XXXX XXXX completed the deposit to my account and I had a short amount of time to verify the amount with XXXX XXXX. After the deposit I was not aware of this verification system and I thought that the money had been deposited to the account the money never left Bank Mobiles hold on the money. 

Once I check the account there was a message stating that the money was pending and it stayed that way and was never completed. I called XXXX XXXX after a month of wait for the deposit and I was told of the verification system. And I was told that the deposits could be resent to the account and I had to wait three day for the deposit. The deposits for the verification happened just as I was told but now Bank Mobile is claiming that the money ( XXXX ) was sent to XXXX XXXX account and XXXX XXXX claims that the process was never completed and they never received the funds. 

An investigation was completed by Bank mobile they said it would take 30 days and then it was ninety days then 180 days to complete the investigation. 

XXXX XXXX said that they would do a three-way phone call to clear up the problem and I was also on board for the call, but Bank Mobile never want to make the call after I call and requested the meeting. The problem with Bank Mobile not take the meeting is that any information that XXXX XXXX had on the account was never used in the investigation. Because the only way capital One would be able to release the information is with me on a three- way call. And without calling me or XXXX XXXX, Bank Mobile completed an investigation. And concluded that I took too long to bring it to them. There was no mention of where the money is at right now. And this is not the first time that money has been in question with this account. 

I would like to get my money back with interest, action taken against the guilty party in this case. 





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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At XX/XX/XXXX, I was being phone scammed. And I was persuaded to transfer {$2400.00} through XXXX  XXXX  with the XXXX at Chase online to the scammers who were claimed to ICE officers, saying that I should sign an immigration bond in order to investigate the my " illegal actions towards alien registration number : Provision XXXX '' case, otherwise, they will detain me and expel me out of the country. And they were also claiming that the fund would be released if they completed the case and found out that I am innocent. At that time, I made two transaction : one is {$900.00} and one is {$1100.00} through XXXX. They were then saying they did not receive the transaction in real-time, and they ask me to purchase another {$2400.00} amount for XXXX  gift card. I purchased gift cards with my credit card. And after that, they were still demanding that they need extra {$1500.00} gift card, which I did later using the same debit card that I made transaction to, purchase another {$1500.00} gift card at XXXX. 

Above were all the money I lost, and I contacted Chase for at least refund the XXXX payment since this was the only thing at least I can still control and negotiate with the bank. However, they issued my credit at that time but they are now reversing the credit, pulling out again from my account without any notices and update on my claim. And I called to them for reasons, they are saying that, since I made the transaction at my behalf, it does not count as fraudulent activity. Let alone the whole negotiating process is being extremely time consuming, making me lost hope on them, and I am starting to think that, this type of service system is actually encouraging those scammers to continue their illegal action to gain money from innocents who did so many hard work for. 

Also, I contacted XXXX company, and they were pretty much saying the same as Chase, seemingly like that both of them could not take responsibilities for what I did, and they were even asking me if I can resolve and communicate with the scammer to retrieve my money. And I was extremely disappointed and helpless since this was the first time I had ever experienced it, and I was so scared along the process, yet I could not get any help from any authorization.

Company response to consumer: Closed with explanation