vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9600.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-10 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: FL

Complaint narrative:
I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX XXXX  XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX  XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/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 2020-06-10 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: FL

Complaint narrative:
See attatched XXXX Confirmation Settlement Letter dated XX/XX/XXXX XXXX : XXXX credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched XXXX XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. EXPERIAN & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR XXXX. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN 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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
To XXXX XXXX & First Credit Services : During this pandemic in which I have been out of a job, I can't believe that I am actually being charged fraudulently by a company that made cancelling their membership confusing and complicated ( which I can find other members to agree with me ). This complaint is regarding account # XXXX, which you claim you're collecting a past due obligation of {$540.00}. This is a formal notice that your claim is disputed. It was a hassle to even understand XXXX XXXX  pricing because nothing is made available online or printed in person to review, which was always scammy to me but now it makes sense. Fraudulent debt collecting is how you make your real money and you wont be getting over on me. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via XXXX reviews, XXXX  reviews, an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My mortgage is with United Wholesale Mortgage. currently my taxes and insurance are impounded and paid by United Wholesale Mortgage. The disbursed a total of {$8800.00} from my escrow account to pay my XXXX XXXX County Tax bill. This money has not been received by XXXX XXXX County and I've been charged penalties of hundreds of dollars because of this. Not only have I received penalties for the non payment of my property tax I've also lost my interest rate while trying to refinance my loan. I've been calling United Wholesale Mortgage for over a month and they have no resolve. I also sent them a copy of my delinquent tax bill. These taxes were due months ago and I really need a resolution. I don't pay my bills late and this has caused me a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: R & B Corporation of Virginia
State: GA

Complaint narrative:
CREDIT CONTROL CORPORATI Reported : XX/XX/2020 {$140.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I attempted to make the payment over the phone twice with debit card and was told both times that i had to use a checking account number ( which i dont have checks so I didnt have that info ) finally I contacted my bank and got my account and routing numbers and made a payment on the phone. 
A few weeks go by and i get a statement that say i owe {$640.00} minimum payment and Im late so i call in and come to find out they wrote my bank account info down wrong and so after i was credited for the payment they uncredited it which put me behind without my knowledge. They, at that point, took payment on my debit card stating since you are behind we are allowed to take a debit card Ive tried since with no luck to pay with my debit card being told you are current so we cant take debit card Ive since, with the help of a family member set up auto pay online so they cant pull that on me again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: TN

Complaint narrative:
i have ask TRANSUNION TO REMOVE THESE ACCOUNT I HAVE YET TO HEAR A WORD FROM HIM.

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 2020-06-10 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX  Credit Monitoring notified me of I C System incorrectly reporting a {$700.00} collection account when I have never even heard of I C System. I have never received a single phone call or a single letter from I C System. This, of course, is in direct violation of the FCRA. 

I C System reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or I C System is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for I C System and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to I C System, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Over the past several years, I have made multiple requests to my mortgage lender, Freedom Mortgage, to drop private mortgage insurance from my monthly statements. I have never missed a payment in the 9 years of the loan and actually reduced the LTV on the mortgage to below 78 % years ahead of schedule. Today, the LTV on the loan is 71 %, but Freedom Mortgage refuses to drop PMI unless I pay for an appraisal proving my home 's value ( which has only increased over the years ). I have repeatedly refused to pay for an appraisal, because my understanding is that PMI must be removed automatically at 78 % LTV, which was achieved approximately 3 years ago. At {$86.00} per month, I've paid over {$3000.00} in additional PMI since it should have been removed. In hindsight, an appraisal would have cost me much less, though it isn't required once LTV reaches 78 %, and I don't want to give Freedom Mortgage the satisfaction of bullying me into another unnecessary expense.

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 2020-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XX/XX/2017, I purchased a house with my ex fianc who is XXXX/XXXX XXXX. A quitclaim deed was included in the closing documents package. I signed all the closing documents as lender and ex fianc directed to me. After the closing I found out I lost the house at the time I purchased the house. Now Im responsible for the mortgage of the house I never owned. Currently the ex fianc and his wife are living in the house. They are not making the mortgage payment. Lender filed law suit against me for the mortgage {$250000.00}. 
I reached out to the lender asking for the explanation why the quitclaim deed was part of mortgage documents. They said they were not aware of it and Im still responsible for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
5 {$1000.00} Payments were made from Chase account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so XXXX XXXX states! 5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from Chase bank for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from Chase to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX   and they stated I did not make the payments. I called Chase Bank. Chase Bank and I called XXXX XXXX and once again they stated the payments were not made. Chase and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. Chase stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use XXXX and other linked accounts for everything. Me, along with everyone I know will switch banks if we can no longer link accounts. My kids all have XXXX cards. I transfer money to their accounts for allowences, babysitting, etc. Daily. This is not ok to suddenly just stop allowing linked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
A Method of Verification letter was mailed certified to Equifax XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Exquifax on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Equifax XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Equifax has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
On XX/XX/2020 a letter was written from Rent Recovery Solutions, stating that a debt was owed from myself to XXXX at XXXX XXXX, in the amount of {$2100.00}. I do not owe this debt. I wrote them a letter stating for them to no longer call me, and that I will only communicate with XXXX directly and only through written documents. You will see a copy of the letter below. I sent it through certified may with a tracking number ( XXXX ) through USPS. They received the letter on XX/XX/2020 at XXXX. On XX/XX/2020, I received a phone call from this company. I did not answer the phone but they left a voicemail, stating that they are in attempt to collect a debt and to return their call. 

Below is the letter that was sent with personal information removed : " To Whom It May Concern : On XX/XX/2020, your company sent me a letter regarding an alleged owed debt. Be it known that I hereby dispute the validity of said debt. There are no monies owed to the original creditor : XXXX at XXXX. 

In accordance with the Federal Fair Credit Practices Act, 15 U.S. Code 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work with the original creditor, XXXX at XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by Rent Recovery Solutions, LLC or any other collection agency with regards to this matter. 

In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 

You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via US Postal Service mail that you will be terminating all attempts to collect this alleged debt. 

Thank you for your cooperation in this matter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E*TRADE BANK
State: MI

Complaint narrative:
Had a Home Equity Loans through XXXX, on XXXX, recorded with the XXXX County Register of Deeds under Liber 3075, Page 904 that was transferred to E*Trade Bank under account number XXXX. I paid this loan off with check number XXXX on XX/XX/XXXX ( see attached copies ). To Date, this loan was never sent to the XXXX County Register of Deeds  as being paid off. I have been trying to get this information recorded since XXXX and continually am being told it was transferred to XXXX XXXX. It was not as I have the documentation showing I paid it off. There was a different XXXX Home Equity Loan that had gone to XXXX XXXX and was recorded as released to the XXXX County Register of Deeds. I have contacted E*Trade about this problem and was told that it was sold to XXXX XXXX XXXX again ... it was not or I wouldn't have the documentation showing my check information and subsequent bills from E*Trade Bank showing my balance is " XXXX '', not that it was transferred to anyone else. I am submitting copies of my documentation showing I was the one that paid it off through E*Trade Bank on XX/XX/XXXX. The response they sent me in XX/XX/XXXX is for a different Liber and Page number for a different loan, not the one under Liber 3075 Page 904 that still shows outstanding. Both HELOC loans I had were paid off, one by MERS and XXXX XXXX under Liber 3428 Page 169 and one by me under Liber 3075 Page 904.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: PNC Bank N.A.
State: MD

Complaint narrative:
Ive been trying to link XXXX to my Bank account PNac Bank and it keeps pushing me out and not allowing to authorize the linkage

Company response to consumer: Closed with explanation