vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: KY

Complaint narrative:
Was contacted by XXXX, XXXX, and XXXX representative XXXX XXXX about a US Bank debt that I don't have record of existing. My first contact was on XX/XX/XXXX. I have called several times, and my complaints are as follows : 1 ) Contacted me ( letter and phone call ) outside of the statute of limitations. Last debt activity supposedly is XX/XX/XXXX. 
2 ) During the phone call they did not read the mini Miranda informing me that they're debt collectors. Mini Miranda also isn't on letter.

3 ) Threatened legal action on an account that I don't exists, plus is past statute 4 ) They would not allow me to validate or dispute the debt

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 2020-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts XXXX. XXXX # XXXX, XXXX. XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including Transunion, XXXX   and XXXX. It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Transunion has violated my consumer rights and the FCRA per section 605b, 609, 611. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports and Transunion has failed to provide any documentation obligating my to the fraudulent accounts. I have no recollection nor recall opening or establishing any of these accounts listed above.

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 2020-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX.   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
someone was selling a item online for {$250.00} but I never received the item I would like my money returned from the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the XXXX to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his XXXX. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.

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 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I paid off all medical debts years ago. This letter is a new contact years later from a debt already settled with another company. The letter is for a date of service in XXXX of 2017. If this was a valid debt it would not be the first Im hearing of it years later! Also as stated, I conscientiously paid off ALL medical debt years ago.

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 2020-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX   XXXX XXXX  is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX  for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX  for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today

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 2020-04-07 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:
I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim 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 2020-04-07 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:
I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim 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 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eastpoint Recovery Group, Inc
State: GA

Complaint narrative:
I received a call from XXXX XXXX on today XX/XX/2020 @ XXXX XXXX He stated he was with a law firm in which that is a lie he works for East Point Collections. XXXX XXXX processed to tell me he was go to sue me over a XXXX account I had in the past. At this point I became very angry with this liar, I have never been notified via mail at all. Also, I inform XXXX  XXXX  back in XXXX of this year I was filing for Bankruptcy. This collection agency is acting as law firm in which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Capio Partners, LLC
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Our mortgage was " transferred '' by XXXX to Carrington Mortgage Services , LLC in on XX/XX/20. On XX/XX/20 we applied online at XXXX for COVID-19 assistance. A " COVID-19 Forbearance Letter '' dated XX/XX/20 was sent to us saying that we were put into the 90 day forbearance program starting XX/XX/20. Our XXXX payment was automatically deducted on XX/XX/20. We got the letter on XX/XX/20 so we called Carrington on XX/XX/20 to find out why that payment was drawn on XX/XX/20 while we were in a forbearance program, and what the terms of the forbearance were. We spoke to two representatives over the course of two phone calls. The second representative confirmed the first representative 's statement that the forbearance required a full payment of the 90 days of payments at the end of the forbearance period. This is of little help to those that have lost income. When asked for documentation of those terms, the Worker said there was no documentation that she could offer. The XX/XX/20 letter does not include a definition of " forbearance, '' which would make clear these terms, nor does the letter explain how automatic payments would be handled regarding the forbearance period. No documentation of these terms appear on Carrington 's web page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: AR

Complaint narrative:
I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I received a letter from XXXX XXXX XXXX who purchased my loan. The letter states that I have not paid my mortgage payments as promised and delinquent in the amount of {$12000.00} I have never missed a mortgage payment in the amount of {$1100.00} that I've had since 2007. 

I believe this is an attempt to have my property taxes escrowed that I have opted out of by email and phone calls. 

I have sent this new mortgage company an email response, however, they refuse to respond. 

My mortgage payments are paid through my financial institution and I have proof of each mortgage payment of {$1100.00} In my time as a homeowner, never had any issues with a mortgage company, and never missed a payment. 

I have paid my property taxes through my financial institution and have documentation proving such. It's my belief that this new mortgage company is attempting to force me in to escrow by alleging that I missed payments and threatening to foreclose! 

Thank you and I look forward to hearing from you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Freedom Mortgage did not disclose their Partial Payment Policy in compliance with the Truth In Lending Act. As can be seen on page 4 of the attached mortgage, the Partial Payment Policy is highlighted. They included their Partial Payment Policy, but it was under the wrong heading. The Truth In Lending Act requires the Partial Payment Policy to be included under its own heading of " Partial Payment '' rather than included in in the general " Payment of Principal, Interest, Escrow Items, Prepayment Charges and Late Charges. '' This is a violation of the Truth In Lending Act. Had the necessary disclosures been made in accordance with the regulations, there would be no issue with the way this is reported. A mortgage servicing company 's Partial Payment Policy is important enough that it should be called out under its own heading, ensuring that consumers are aware of how partial payments will be applied and how it will affect the reporting of data to their credit reports.

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