vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I have applied for a modification and was denied due to value on home but they did not use the all money owed on mortgage to calculate this claim. I dont believe they are following HAMP guidelines and want a new review done for modification.I also want to know if they used the low value from the appraisal or the high value. They also need to add in all arrearages and lump sums to totals current mortgage before evaluating. Low AVM value was $ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the Equifax data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
I made my mortgage payment on XX/XX/2020, it came back because of an incorrect routing number, it was corrected, and still never went through. XXXX payment was sent in via a cashiers check from my bank. It was sent via USPS Certified mail. This check was received and signed for on XX/XX/2020 and was for two payments, XXXX and XXXX. This check was issued by XXXX XXXX  in XXXX XXXX , XXXX and cleared XXXX XXXX  on XX/XX/2020. It was made to CMG FINANCIAL CERTIFIED. As of today, XX/XX/2020, the funds have not been applied to my account, and are still unaccounted for by CMG Financial. 
I have been threatened by CMG Financial by numerous letters that if I do not pay the past due payments that foreclosure could result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My Account is with Wells Fargo Home Mortgage and they refuse to accept my payments after the forbearance. I initially accepted the forbearance due to COVID, and verbally spoke to them in XX/XX/2020, they advised me to make an XX/XX/XXXX payment which I did and now they are holding the payment is an " Unapplied account ''. I have called back numerous times and they refuse to take me off of forbearance, refuse to accept payment and have assigned me a case worker. A case worker on the XXXX XXXX. I live on the XXXX XXXX so now I must acquiesce to their time zone!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2017 Portfolio Recovery Associates XXXX added a derogatory mark on my credit report per XXXX, Upon, further research, this account was transferred / sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to the FRCA, Portfolio Recovery Associates XXXX has violated my rights as a consumer and I'm requesting legal action to remove this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed unauthorized activity on my CashApp account. There were multiple failed charges of {$250.00} and {$500.00}. There were four charges of {$250.00}, totaling {$1000.00}, and one charge for {$1000.00} that was successful. I contacted my bank and they opened a fraud case. The bank ( XXXX XXXX XXXX XXXX XXXX XXXX, reclaimed the temporary credit they issued and informed me that the charges came from my IP address. Upon further investigation, it became known to me that it was a family member that had access to my account, and tried to purchase a piano, however they never received the piano, the seller never sent the shipping confirmation and never shipped the piano. It was a scam. So I notified my bank and they informed me that they can not issue the charge back to cashapp for the same charges and that since they already issued the charge back as fraud, they can not re-issue it as a dispute. They told me there's nothing else they can do and informed me that the best thing to do was to contact CashApp, or take the seller to court, but we can not take the seller to court since the information they provided was fake. I tried to contact CashApp multiple times but no one ever responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Payoff amounts were incorrect on Closing Documents multiple times. Also addressed with the lending officer that lender fees, and other payoff amounts were incorrect. Process was drawn out from XXXX XXXX due to mishandling of secure documents, and incompetency of lending institution. 

Please contact for further details..

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Due to the pandamic and XXXX a wrongful 30 day delinquent was reported on my credit report. No reminders with letters or calls were made to me. 
XXXX XXXX refunded late fee due to hardship but will not reverse 30 day late.

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 2020-10-30 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: DISCOVER BANK
State: DE

Complaint narrative:
I've written XXXX concerning act # XXXX on XX/XX/2019, XXXX XX/XX/2019 and XXXX XX/XX/2019 the this act did not belong to me. XXXX has refused to respond back and is continues to cause me from getting loans, job promotion etc. 

Pursuant to section XXXX XXXX a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The XXXX XXXX is respectfully demanded and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX XXXX file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the XXXX XXXX of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ] Please remove unauthorized act from my private/personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Global Lending Services LLC
State: SC

Complaint narrative:
In XXXX, my husband and I went to a XXXX auto sales place in XXXX SC. We both signed a document that allowed the sales representative to pull our credit. I am XXXX XXXX and my husband is XXXX XXXX. Once the sales package was presented to us on a XXXX XXXX XXXX, my husband, XXXX XXXX, declined the sales offer. In order to purchase the auto in just my name, I had to come up with more down payment. I have tried for 5 years to straighten this out with XXXX XXXX who handled the loan and they continue to say my husbands signature is on the loan when it is not. Due to XXXX XXXX refusing to remove my husbands name and derogatory credit history from all 3 bureaus, it has caused my husband to not qualify for other credit products. My husband wants this unfair credit reporting completely removed from his credit file. Whatever signature XXXX XXXX is going by is not my husbands signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Universal Recovery Corporation
State: CA

Complaint narrative:
Where do I start. This is my SECOND complaint against XXXX XXXX. The first one in XX/XX/2020, they were very rude and disrespectful to me and of course that issues wasn't reply to. Now here we are again. I have a letter from them stating that the balance is {$77.00} and the interest was {$3.00}. Now when I call to pay the amount, XXXX is trying to tell me I owe {$200.00} XXXX!! I will gladly pay the {$77.00} but I AM NOT gon na pay more then that unless they can show me proof as to why the total has changed since the letter I have received from them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a long time Chase Sapphire Preferred card member with excellent credit. I purchased a trip using XXXX prior to the COVID pandemic for my husband and I. Due to a lack of babysitter, we changed our days of the trip, moving it to 2021. As soon as COVID hit, I was contacted that all trips were canceled automatically and XXXX had shut down. I was advised to go through my credit card for a refund. I have now tried this XXXX times and I keep getting denied- told the charge is valid. I expect my credit card to help protect against nonsense like this. My business is worth it. I was never offered an alternative, like taking a train check out credit in the future. I also checked with the resort, XXXX XXXX XXXX XXXX, and they were not paid. We will never be able to take this trip and our money was stolen! 
I have an email that states that XXXX  refunded the money. Not sure if this is true or not, but if they did, where is it? Please help me. All documents with dates, proof and prices attached. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I received an email about a non-existent debt from an old checking account with XXXX bank. I still bank with XXXX so the accusation of debt and check fraud is invalid. The email was a gmail account not a business account and the email included my driver 's license number, social security number and old bank account number. I am terrified that someone now has breached my security and has my social security number and circulating it in an email is not safe. The company signature says National Credit Adjustor but the email XXXX XXXX XXXX XXXX using email address XXXX. I will add some safety measures on my credit report but need to stop this from going any further. Hopefully you can help me or guide me in the direction of someone who can help. Attached is a copy of the email they sent me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On Wednesday XX/XX/2020 at approximately XXXX a charge was posted to my account from TU*Transunion for {$19.00}. I was asleep at the time of the posting of this transaction. I didn't discover I had money missing until around XXXX that evening. I looked on my account debits and saw this, then, not knowing who or what Transunion was, I looked them up online and called their number to explain they had taken money from me for a service I did not authorize, they then asked for my entire social security number, which I declined to give because no one should ever ask for the entire number. They tried to insist that I set something up with them back in XXXX. They asked for my name and address to verify that way, I gave that information, but then they told me they still needed my entire social security number. They told me I'd need to call another number to cancel and they'd still need my ssn. I got upset and hung up and called my bank to dispute the charge and get a new card issued to try and prevent these charges from recurring as this is fraudulent activity. Then, on Friday XX/XX/2020 they have sent me an email trying to get me to use a service they are charging me for that I didn't ask for. This is the first email I've ever received from them and the first charge I believe I've received from them. Who are these people? This is such a scam!

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: OR

Complaint narrative:
My recent complaint ( XXXX ) filed XXXX was closed WITHOUT CLEAR EXPLANTION of why XXXX XXXX XXXX  XXXX has NOT reported my existing loan since XXXX XXXX through XXXX to the credit reporting agencies. 

While US BANK had the right to the legal process it took, the RESULT and HARM TO ME was to wipe my mortgage off my credit report completely. There was NO follow up with XXXX County Circuit Court to notify them I had Satisfied the Judgment. 

I do not have CREDIT for one of my longest creditors through XXXX, XXXX  or 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 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I keep receiving mail from Synchrony bank in the name of XXXX XXXX for the amount of {$6400.00} for a card I never opened. 
My name is XXXX XXXX and I have never used the name XXXX. 
I spoke with a XXXX from Synchrony Bank who stated that the card was opened in XXXX of 2019 through Paypal credit. 
I did not open this card. 
I have filed a police report with XXXX Police Department where I live. Report number : XXXX. 

This fraduluant account is affecting my credit score.

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