vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's  malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DE

Complaint narrative:
on XX/XX/2020 I get an alert from XXXX  that this collection agency is trying to collect {$1400.00} from me. I have no idea what is about, I haven't received any letters etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: DE

Complaint narrative:
There is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.

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 2020-06-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Although my account with XXXX XXXX was sent to collections, I was able to pay them the past due balance of {$61.00} directly instead of the collection agency. I was assured by two representatives that XXXX would contact Credit Collections Services to have it removed from my credit report since it was settled through them. I received an alert that it was marked as closed on my credit report instead of being removed. I immediately contacted Credit Collections Services and was told they don't remove cable collections. XXXX XXXX said they'd have the collection agency remove it according to the transcript attached since it was paid to XXXX directly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
In XXXX of XXXX I was awarded a property though probate in XXXX county Fl. I contacted bayview loan servicing and sent them the documents by email and fax. Three weeks later I called to try and get the property refinanced and was told they could not speak to me regarding this property because I was not on the loan. I explained to them that I sent in the document sign by the judge. At that time they said they would review the documents. This went on for over a year. I sent the same documents over 5 times to them with the same response could not talk to me. In XXXX of XXXX I got a letter and call from bayview saying I was verified and they could speak to me now and I could make changes to the account. Between XXXX of XXXX and XXXX of XXXX the home has went to foreclosure and has assumed over 30,000 in fees and interest that I should not have had to pay. What Im asking is according to law I have read they were supposed to work with me and I was to be able to assume the mortgage in XXXX of XXXX after the probate was awarded to me. Since they did not I dont think I should be responsible for all the interest and fees and foreclosure costs that the property has now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called Bank of America about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and XXXX  out the account. Now months later I am trying to open another bank account, and they have reported false information to XXXX. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and XXXX  and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXXXXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & Equifax ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX ( Experian & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( 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 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC has issues with connecting bank account with companies like XXXX   to be able to transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: HI

Complaint narrative:
I call Experian, sent letterS, Dispute the account, have identity report. Ask for Mov.

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 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: FL

Complaint narrative:
Two men came through the neighborhood selling solar panels. Wanting to lower our electricity bills and help the environment we agreed. The contract states 18 payments of {$100.00} and then after that term 240 payments of {$190.00}. The problem I have is that after looking at the not a bill statement they send out all the {$100.00} goes toward interest only. I immediately called Service Finance about all the money going toward just the interest and they said we agreed to this. Not what I recall! I said okay all upfront and then no interest after 18 months and they said no. You will continue to pay interest until the loan is paid off. I assumed it would be lower after the 18 months but no to that too. Yesterday I returned a missed call from them and I mentioned it again. The worker said it is in the contract. I looked at the contract today and it is not. I called Service Finance to ask where it is in the contract that says they will collect interest only for 18 months? The lady couldnt solve my problem and then put me on with a supervisor who said we dont break it down like that in the contract. I consider this fraud since they did not disclose that the first 18 payments would be interest only and they would continue to collect interest thereafter before we signed. We pay our debts. As I said that isnt the problem but we will not be able to pay this off anytime soon with the loan like this. I did try to move the loan but they will not refund the {$1800.00} in interest they have collected and whoever takes over the loan will also collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I send {$2000.00} from money gram to a direct deposit in XXXX ..after a trhee months of " INVESTIGATION '' .moneygram contact me to close the case because they said the money was deposited in my account in mexico but not ... i have the statements to show that never was ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-06-24 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: FL

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Early Warning Services, LLC
State: FL

Complaint narrative:
My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called XXXX  XXXX XXXX about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and zeroed out the account. Now months later I am trying to open another bank account, and they have reported false information to EWS. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and EWS and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-24 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: AR

Complaint narrative:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX  XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX  XXXX {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: AR

Complaint narrative:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX XXXX {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have not authorized this company to have access access to my credit report and I never heard about them and I have no business with them.

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 2020-06-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2020 I was charged fraudulently by a fake company XXXX, online in the amount of {$42.00}. Citibank did not investigate the matter and when I called them to inquire about it, they misled me and told me it was still being investigated when they had closed the case and I couldn't get my money back. 

On a second occasion of XXXX XX/XX/2020, I reported Best Buy had charged my account for something I didn't have and a purchase I didn't make that came to a total of {$69.00}. They lie about giving customers their provisional credit and fail to investigate the matter. 

Citibank is federally insured and they make money off the customers with their money in that bank. Individuals don't have their money secured by an institution who is just money hungry to get customers money. What good are they as a bank to do this. They falsify information and mislead customers. 

I have been with this bank for about 14 years for them to be doing this now. They are lazy or either incompetent to do something like this.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation
State: GA

Complaint narrative:
on the date of XX/XX/2019 an inquiry was made by XXXX XXXX that I did not authorize. I disputed this inquiry, and i attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 i received an inquiry made by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 an inquiry was made by the World finance Co that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail.

Company response to consumer: Closed with explanation