vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
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  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

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


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I wrote a check ( # XXXX ) on XX/XX/2020 to what I thought was my moving company that I had a legally binding contract with, however it was a contractor that they illegally sold my move to. When they picked up my belongings they illegally increased the pricing and I did not sign a bill of lading and have proof they altered the document to make it appear as if I did. I only provided the check on XX/XX/2020 because the mover in my house made threats indicating he was trained by a boxer who is now in prison with a XXXX conviction, but did not sign the bill of lading because I did not agree. When I wrote the check I wrote " XXXX '' in the Pay to the Order Of because of was panicked and saw that word at the top of the Interstate Bill of Lading form. Wells Fargo allowed a customer to deposit that check, despite the fact that it wasn't written to any company or organization involved in this move and certainly not the correct name to be deposited in the individuals account. I am missing over {$800.00} in belongings and the company I contracted with did not deliver a good or service. I called Wells Fargo and they told me there is nothing they can do about depositing an inaccurate check into someone's account, which explains why this organization has been able to run their fraud scheme for so long. 


Company I contracted with : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal address XXXX XXXX XXXX XXXX  XXXX XXXX, GA, XXXX XXXX  # XXXX Who communicated with me about the scheduled driver arrival : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who picked up my belongings : XXXX XXXX on behalf of XXXX XXXX XXXX who operates under multiple XXXX 's ( XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ) but not of these XXXX 's have a legal DOT # Where my belongings were stored : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who delivered my belongings : XXXX ( subcontractor of XXXX XXXX XXXX ) and this is when over {$800.00} was missing or broken This organization operates illegally and scams consumers out of money because they have them trapped needing to move that day. I simply asked Wells Fargo to look into how they allowed a deposit to occur when the " Pay to the Order Of '' was clearly incorrect and they are largely not concerned and again a main reason that these individuals are able to get away with their fraud.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS DISPUTE CASE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : LAST XXXX Expiration : XX/XX/XXXX CVV : XXXX XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called my company Everything XXXX and needed a full XXXX XXXX bed to rent as she was having XXXX on Wednesday, XX/XX/XXXX. She also ordered a XXXX XXXX XXXX Commode and a gel mattress which she purchased, this invoice was for a total of {$470.00}. She called us back and requested and over the bed table. I charged her for the smaller table, {$120.00}, and I also sent the larger table with our technician so that she could make her choice, she chose the larger table. She was aware of the {$25.00} difference and she had me charge her card and I e-mailed to her the invoice and the credit card receipt ( see attached ). 
XX/XX/XXXX We delivered the hospital bed along with the other medical items, and our technician XXXX XXXX delivered and set up the hospital bed and XXXX XXXX signed the delivery slip receipt. ( attached ) XX/XX/XXXX XXXX Tuesday, XX/XX/XXXX, she requested another mattress which was a foam mattress to purchase. I, XXXX, sent her an e-mail letting her know that there will be an additional {$80.00} fee for us to go back out there and the cost of the mattress, {$290.00} plus tax. She responded back to my e-mail ( see Attached ) ordering us to get it for her and she also called and indicated that we needed to go through the gate and leave the mattress in the patio and to make sure the gate gets closed. She also mentioned that her neighbor would bring in the mattress as the neighbor had a key. 
XX/XX/XXXX I made several attempts to reach her and left her messages on her cell phone, but she never returned my calls. The rent on the bed went from XX/XX/XXXX to XX/XX/XXXX. I charged her card for the next months rental of {$170.00} per the terms of her signed agreement on delivery. I mailed to her a copy of the invoice and the credit card receipt. 
XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called and requested that we pick up the hospital bed. We scheduled the pick-up for XX/XX/XXXX, and she signed the receipt ( see attached ) confirming that we picked-up the bed from her house. 
Please note, that we submitted all the requested documents with the signatures acknowledging the receipt of the hospital bed and the other medical items and the pickup of the hospital bed on XX/XX/XXXX. American Express indicated that there were insufficient information and no signatures. 
American Express has closed the case and we were instructed to contact our Merchant Services and request an appeal. Merchant Services told us that we are not able to make an appeal as American Express has closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, The reason why I am contacting you is because my mortgage company PHH Mortgage Services has made a mistake and is forcing me into an escrow account. 
Due to the Pandemic situation, and for this first time, I got delay with my taxes. On XX/XX/2020, I received a letter from PHH attached, saying if I do not pay the taxes for the amount of {$6400.00} to them within 30 days they will set up an escrow account as part of my monthly payments. So in order to avoid that I called them on XX/XX/XXXX ( Ref # XXXX ) to place the payment over the phone and I was told that since I have a disbursement of {$800.00} in my account the amount that I had to pay was {$5600.00}, which is the amount I paid that day. 

Now, a month later I received my new monthly bill which increase from {$1500.00} to {$2200.00}. So I called right away and the reason for this increased, and they said that I did not paid the taxes which I did on XX/XX/XXXX ( see proof attached of the email received after payment ). After proving to them that I paid the taxes, they told me that by mistake they misplaced my payment and it went into my principal and told me to give them about 2 weeks to fix the problem. They called me again today XX/XX/2020 XXXX ( Ref : XXXX XXXX XXXX Escalator Manager XXXX ext. XXXX ) saying that the {$5600.00} was reapplied toward the taxes but the other {$800.00} they couldnt because it was not an actual disbursement, it was a late fee for my taxes. Then I asked him why was I told that I had a disbursement and I didnt need to pay the full amount just the {$5600.00} and he said that it was a wrong communication from them. 

So from that point I told him that I will send them the {$800.00} to clarify the account due to their mistake, and he told me No XXXX, I am sorry but you are already enrolled in escrow account and there is nothing we can do about that. At that point I got very upset, they made a mistake with the amount they told me to pay over the phone ( minus the disbursement ), and now theyre acting like they never told me that. Why would I pay {$5600.00} instead of the {$6400.00}? They misplaced my payment toward the principal, and told me to pay a wrong amount So basically they pushed me into an exaggerated escrow account impossible for me to pay, with lies and mistakes made on their behalf. 

I really appreciate your help to this matter. 

XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
1. Delayed mortgage discharge issuance 2. Massachusetts XXXX requires that lenders provide the closing attorney a mortgage discharge within 45 days after the acceptance of full-payment and that has not occurred. The delay is causing me financial hardship as I can not close on a home equity line because of this. I have spoken with them several times and can not seem to get anywhere with them on this. I am reaching out for help to get this resolved ASAP. 
3. Fifth Third Bank was paid in full on XX/XX/20 however no mortgage discharge has been sent to my closing attorney. I would like them to send a mortgage discharge to my attorney XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
4. The lender is Fifth Third Bank XXXX XXXX XXXX XXXX, OH. My account number is XXXX. 
5. My name is XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, MA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
I have tired to fix the Problem with Experian Multiple times I have sent them my police report, copy of my FTC and the still send me some generated letter saying they won't blocked information. Enclosed is the generated letter I received not only are the reporting a fraudulent account on my report but they are also added inaccurate and fraudulent late payments on this fraudulent account for the month of XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX not only are they inaccurate but this is a fraudulent account. I talked to a fraud department to some one named XXXX who wouldn't let me speak to a Superviser and said they didn't care about my police report also said he wouldn't not give me the information to their Headqurters when I asked who he was with he said the XXXX department. The police department does not know what they want when they already issued me a police report. I am providing my Police report, FTC affidavit copy of my dispute and the copy of the generated letter they keep sending me. I have also contacted XXXX XXXX and send them all the documents I was told they account was closed years ago and it has nothing to do with me. I do not know where they Experian is getting this fraudulent information. They are the only credit reporting agency who is knowingly and willingly reporting fraudulent account on my credit file. XXXX  and XXXX  do not have this fraudulent information on my credit report. After trying to resolve this issue on the phone today on a recorded line XXXX from the fraud department told me to file a lawsuit and that will be the only way they would let me speak to the legal department. You can listen to the recorded conversation the call was made XXXX XXXX at XXXX XXXX from the XXXX  fraud department.

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 2020-10-15 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: TN

Complaint narrative:
I HAVE PROVIDED PROOF AND DOCUMENTATION THAT THIS ACCOUNT DOES NOT BELONG TO ME YET EXPERIAN HAS NOT FORCE XXXX XXXX  TO PROVIDE ANY CONTRACT WITH MY SIGNATURE THIS HAS HURT MY BUSINESS AND WAY OF LIFE

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I noticed Amsher on my XXXX XXXX app. There was minimal information listed. I looked up Amshers number and contacted them. I spoke with a female representative who told me that collection was for a debt from XXXX XXXX in the amount of {$780.00}. I have never heard of this company and told the representative that I have not had an account with them. I asked for additional information such as a service address or date of the debt but no additional was given to me. The representative said I could call back to dispute the account. 

Amsher did NOT contact me prior to placing the debt on my credit. I have received no written notice and have no knowledge of this account. By law, I am the right to receive a notification of collection as well as a right to dispute. I am suppose to be given 30 days to contact Amsher, which I was not given. 

Due to the violation of my rights and questionable business practices by Amsher, the account is being disputed, however, I am request that this account be removed from my credit reports IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
About XX/XX/2020, I opened a Charles Schwab Checking account using user name " XXXX ''. After a day, Charles Schwab closed my account. When I inquired about the reason, Schwab advised that they closed the account due to negative information contained in a XXXX  credit report allegedly obtained using my personal information, including my social security number. Schwab also advised me, via phone conversation, that my XXXX  credit score was XXXX. 

I contacted XXXX  and obtained my credit report on XX/XX/2020 and again on XX/XX/2020. During a conversation with a XXXX  supervisor on XX/XX/2020, the supervisor advised that no negative information was contained in the XXXX  report and he advised me that my score was XXXX. This score corresponds to the score I received on XX/XX/2020 from XXXX. 

Schwab advised me to reapply XXXX user name " XXXX '' ) in which I did. Schwab then on XX/XX/2020 closed this second account. 


I called schwab and explained to them that I had credit reports and a score from XXXX that contradicts what they claim XXXX  reported to them. I asked them to investigate and they refused stating that they were basing the decision on the report. When I advised them that their information is not what XXXX  has listed on my personal file they said they will not disclose any information to me other than the fact that they closed my account due to the XXXX  negative report. 

Schwab will not assist me further or investigate my claim that they are receiving erroneous information about me. I even offered to send them my report that XXXX  sent to me. I told them that my credit scores for the three major credit bureaus were all over XXXX and told them an error was made in the decision to close my Schwab accounts. They send I could reapply, but since I was denied twice, they doubted I would be approved.

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 2020-10-15 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: IN

Complaint narrative:
In XXXX of 2020, I submitted a complaint with Transunion due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by Transunion as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.

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 2020-10-15 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: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.

Company response to consumer: Closed with explanation