vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I had a loan for {$360000.00} on this property. with an additional {$40000.00} for the heloc. I receieve 1099 for XXXX in XXXX that i paid irs taxes in XXXX and a release lien from DOJ for XXXX on XX/XX/XXXX. So i have paid {$400000.00} however they are trying to collect {$160000.00} from me. i filed a ch.XXXX and converted it to a ch. XXXX bankruptcy in XXXX and no one responded. I got the discharge. XXXX XXXX XXXX XXXX said i did not owe any more money. I got the final discharge on the bankruptcy. Then in XXXX this company came out of nowhere saying that i owe them {$100000.00}. This bank is being unreasonable, They are not doing what the federal government said they should be doing. They are not helping me. I went into another Ch.XXXX in XXXX and it was dismissed in XX/XX/XXXX. Since at least XX/XX/XXXX, there has a been an international pandemic and a judicial emergency. The courts are not allowing evictions nor foreclosures at this time due to the statewide judicial emergency. The judicial emergency has been extended through XX/XX/XXXX ; however they are threatening to foreclose on me on XX/XX/XXXX. I was making all my monthly payments through bankruptcy until it was dismissed. They have refused to take any money from me since the bankruptcy has been dismissed. I don't think i owe them anything but if i do i need a 12 month deferment due to covid19. Over 40 million people have been unemployed in the country due to covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Ive deposited a large sum of money into my cashapp account to send to family who are struggling during this pandemic. I then tried to send some money to a family member and it stated my account has been temporarily locked for 24 hours. The next day I tried to withdraw my money and it stated my account is still frozen. I then proceeded to email them in order to find out whats going on. I got no response. The next day I then tried and it still stated my account is frozen. Mind you its the third day I have family who needs me. I tried withdrawing my funds because its big money I cant loose this money. And I got the same message. I emailed them some more and got nothing back. So I sent a complaint with consumer finance and the next day XXXX today ) cashapp unlocked my account. Finally..well it dont stop there. I tried to link my card to my cashapp account in order to directly deposit my funds since cash app made me frustrated. And they wouldnt let me. I tried multiple cards and nothing. I went back to the atm to try and withdraw and it kept saying I have no funds. How do I have no funds if I see it in my cash app balance? Its like the money is a ghost. On top of that they sent me an email stating my account is about to be deleted and to withdraw my funds. But how? If they wont let me. They are just trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have sent Equifax several disputes since XX/XX/2020 and yet until I submitted a complaint through this portal have I received a response regarding my information does not match their records and that I need to send in a legible copy of my drivers license and etc. I've used the same copy of my license, social security card, and utility bill and never had a issue. This is unacceptable and a blatant refusal to honor my request so we are going to try this again Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2020, I paid my friend using the XXXX app. I had done this previously without any issues. This time, Bank of America charged a {$10.00} cash equivalency fee as well as categorized it as a cash advance, which assesses a higher interest rate. This is something that had never been done before. The bank made no effort to advise me about the change in policy. I called Bank of America on XX/XX/XXXX and spoke to XXXX who refused to waive the fee. I asked to speak to a supervisor at which point she hung up on me. I then called back and spoke to XXXX who transferred me to her supervisor, XXXX who then transferred me to her supervisor, XXXX. In each case they refused to waive the fee and refused to reclassify the transaction as a regular purchase. While I understand the bank has changed their policy regarding charges made through XXXX and XXXX. This had never been communicated to me in the past. I feel it is dishonest of Bank of America to arbitrarily change its policies to charge additional fees without providing any forewarning. I understand the policy now, but feel the bank should waive the past fee and reclassify the transaction as a standard purchase.

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 2020-07-03 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 applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a Care Credit/Synchrony Bank credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with Care Credit/Synchrony Bank on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). Care Credit/Synchrony Bank refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from Care Credit/Synchrony Bank sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
-The Care Credit/Synchrony Bank account number with the derogatory mark is not the Care Credit/Synchrony Bank account I co-signed. 
-I do not have any connection or affiliation with the Care Credit/Synchrony Bank account that reflects a write-off. 
-I did not authorize or co-sign on another Care Credit/Synchrony Bank account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.

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 2020-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I signed a lease with XXXX XXXX back in XX/XX/XXXX. The lease was for 1 year term ending in XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, Texas XXXX National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX They have reported to the credit bureau that I did not full fill my term successfully. Stating that I owe {$3500.00}. Where did this number came from I don't know. I have attempted to disputes multiple times without success. They have changed the date and after it went to collections somehow they report as a late payment as if it a current matter. This is so confusing and frustrating. By all means, is false and I don't understand how they are allowed to do such malice. After many calls to the credit bureau and sending them supporting documentation how is it that they can falsely information & the matter is closed basically saying I'm wrong & they are right. I wasn't aware of a 3rd party to reach to help me until now that I came across CFPB. 

XXXX XXXX scheduled a inspection date on XX/XX/XXXX in which the XXXX maintenance man came by to check and all was well. XXXX contact : ( XXXX ) XXXX I will attach the resident move out instructions given to me, the renewal offer that I declined because I found a home that was 5x the size and {$150.00} less. Also, the lease agreement Page 1. In addition, they even completed a form by my current landlord that I was completed my term successfully. I have followed their protocol giving them notices in advance and completed inspection prior to moving in to my residence of XXXX XXXX XXXX XXXX XXXX, Texas XXXX on XX/XX/XXXX. There is no balance due & successful completion was done of this term lease. Please help me to correct this matter but most importantly that no one else has to go though any injustice of suffer what this does to your credit allowing lenders to see you as unworthy. 

Thank you for your time in this matter, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
On the morning of XX/XX/20, I called Wells Fargo because I noticed an unauthorized transaction in the form of an Online Bill Pay to a XXXX  XXXX XXXX credit card in the amount of {$3000.00}. I have never owned nor have I ever been affiliated with any XXXX XXXX XXXX product. I filed a claim and received case number XXXX. Wells Fargo said it will take anywhere from 10-15 business days to process the claim. 

On XX/XX/20, I received a letter from Wells Fargo requesting that I fill out an Affidavit of Online Fraud. I promptly filled it out and faxed it over on the evening of XX/XX/20. When I called Wells Fargo on XX/XX/20, they had confirmed that they had received my Affidavit. 

On XX/XX/20, I called Wells Fargo to inquire about the status of my claim. The agent I spoke with told me that the claim had been closed, but was unable to state whether the case accepted or rejected my claim. As a result, the agent filed a new claim for me ( case number XXXX ). Additionally, I filed a police report with the XXXX Police Department ( permanent case number XXXX ). The XXXX Police Department classified this as a case of identity theft. 

On XX/XX/20, I received a letter from Wells Fargo confirming that my claim was rejected because " our research of this Bill Payment shows that it was requested through a secure online banking session using your username and password. After reviewing all information available to us regarding this transaction you are disputing we have determined that this transaction was made by you, or someone who had your authorization. '' Clearly, if someone requested an Online Bill Payment, they somehow gained access to my username and password. Just because someone gains access to a username and password does not mean that it is authorized access. That's the equivalent of saying that if a fraudster finds your ATM PIN and withdraws money, it is an authorized transaction because they gained access to privileged information. Additionally, I submitted a legally binding document through the Affidavit of Online Fraud. This is a legally binding document that I signed and submitted to Wells Fargo. If the transaction in question truly is not fraudulent, I would be perjuring myself. This would not be in my best interest as I submitted a police report ( again, permanent case number XXXX ) regarding this very transaction.

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 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc apparently stopped me from using this resource. Its not your call. Allow XXXX. Some of us arent making the same after covid and you XXXX  blocked this. Pnc needs to stop. Youre not helping small consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-03 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: CA

Complaint narrative:
I applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
I applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing , LLC ( " Fay '' ) took over servicing of my mortgage in XX/XX/XXXX from XXXX XXXX XXXX. Since taking over the mortgage, they have not sent any statements of amounts due or any breakdown of principal, interest, fees or other amounts being collected. Fay sent a notice to accelerate my mortgage in about XX/XX/XXXX, and I sent a letter complaining of the lack of any statements as well as a check to pay the arrears. I still have never received any statements on my mortgage. Ever. 

I sent another letter dated XX/XX/XXXX to again complain that I have not received any statements. I also requested relief as a result of the coronavirus pandemic and the reduction of the revenues of my firm. 

Fay has now filed a notice of default even though I have never received a single statement or invoice for payment. When Fay took over servicing of the loan, Fay never sent me a letter indicating the amount due per month.

Company response to consumer: Closed with explanation