vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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:
On XX/XX/2020 I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an Equifax Data Breach. I demand to delete those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter to RMP requesting information under the Texas Finance Code. I sent the letter by certified mail. In this letter I informed them that they were to contact me by United States Postal Service. RMP acknowledged receipt of the letter on XX/XX/2020. On XX/XX/2020, RMP replied to my request, but only under the Fair Debt Collection Practice Act. Since XX/XX/2020 I have received 5 telephone calls. 

Also, when RMP sent me their response they included actual copies of the medical statements which included the CPT4 Codes. RMP has violated my HIPPA rights by having this information. I have never given authorization for this company to have my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
The three dates are duplicates on my XXXX credit report. American Express has pulled my credit three times ( six times with duplicates ) on XX/XX/2020, XX/XX/2020, & on XX/XX/2020 soft inquiries. I have no American Express accounts, including no third parties associated with American Express. I called their XXXX and I keep getting transferred and the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Re : Third Federal Savings & Loan Association of Cleveland ( " Third Federal '' ) Address : XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX County, Florida Mortgage Instrument # XXXX Book # XXXX Page # XXXX Filing Date : XXXX XX/XX/2019 Re : XXXX County, Florida Special Warranty Deed Instrument # XXXX Book # XXXX Page # XXXX. Grantor conveys to Grantee property on page 1 of the attached deed that does not match the property described on p 3 of the deed that it has the right to convey. The legal description on page 1 of the attached Special Warranty does not match the legal description on the authorization document on page 3. 

The response letter by Third Federal Savings and Loan to Complaint # XXXX is defective. It is not dated and bears no signature. This response letter reads as follows and is also attached as an exhibit to this complaint. 

We are advising the CFPB and all applicable regulatory agencies of a mortgage on a property Grantor had no right to convey. As such we are requesting that the CFPB, the OCC and all applicable regulatory agencies take immediate action and direct Third Federal to amend the mortgage so the grantor 's legal description of the property is correctly reflected on the mortgage and note documents. SEE PAGE 1 and PAGE 3 of the attached warranty deed for a comparison of the legal descriptions. 

Thank you for your immediate assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The response letter from Third Federal hereto attached as an exhibit reads as follows : IT BEARS NO DATE AND NO SIGNATURE BY XXXX XXXX. 

CFPB Office of the Comptroller of the Currency RE : Case Number XXXX Consumer : XXXX XXXX To whom it may concern : Third Federal is in receipt of the above reference case and has reviewed her statements and our records. Please find our response below : XXXX XXXX is not a current customer of Third Federal Saving and Loan therefore there are no documents in need of any corrections. The documents she provided belong to another customer of ours. 
XXXX XXXX Closing Manger

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Hello, after finding the company DRS Solutions on my credit report for a Pay By Phone charge. I have never heard of this company and can find no information about them so I sent a letter via mail on XX/XX/20 and disputed it with the credit bureau. I never heard back from DRS Solutions, but they claimed that the debt was valid to the credit bureau. I then contacted them via phone and was told to email their Vice President for verification. I emailed him on XX/XX/XXXX with a copy of my original letter and have been emailing him once a week since then. He responded by asking for the account number although it was on the original letter that was attached and not in the emails body. I responded with the account number and the ask that they provided all the requested information to verify the debt. He did not respond. They refuse to supply me with verification yet will not take the charge off of my credit report. I dont think this is fair and would like something done. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
I done a refinance on my home mortgage with Cross Country Mortgage, It started normal as i filled out an application over the phone with my loan officer XXXX. Upon approval XXXX told me everything looked good and not to make any payments to my mortgage company that we would be closing by then. He said " Worst case there will be a {$39.00} late fee that we will take care of ''. A month later after not hearing a word from them I get a call to do an appraisal which was done. Several weeks later I get an email from XXXX XXXX where my mortgage company put me as late dropping my credit score 50 points. I started calling and leaving voicemail after voicemail after voicemail. Finally I get XXXX on the phone who says he meant to call me and tell me to make my payment but he is going through a XXXX XXXX and it slipped his mind. So several weeks later its finally time for closing and the closing attorney has no paper work on the day of closing. Then she finally got the paper work and it was wrong so she came back 2 days later to close. I noticed on the first paper work the charged me almost {$1400.00} for a late closing when it was late due to them. So i called and they credited me the {$1400.00} so they said. My loan closed and the sold my mortgage and when i got my statement they still charged me the {$1400.00}. Now im back to leaving voicemails to a company that doesnt even own my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Originally Submitted to the CFPB on XX/XX/2020 case # XXXX Experian 's response was wrong, a stall tactic and against the FCRA. I want my needs met, I am re submitting this to you about my name and address and previous addresses to be corrected see letter attached

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 2020-12-08 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: FL

Complaint narrative:
On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.

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 2020-12-08 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:
On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.

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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America once again STOLE {$500.00} from my account. I deposited a XXXX XXXX Money order in my account and Bank Of America accepted the deposit but then debited my account. They just say refer to Maker, I contacted XXXX XXXX but they say it is a Money order and was paid and they can not reissue the money order. This is not the first time it happened with Bank of America and unfortunately the only way these crooks refund the money the steal from us is by filing this complaint. Their toll free number is part of their fraud while you hold for long time and then they say they can't do anything. 
Attached is sufficient information to confirm that Bank of America Stole this money and as always they will delay the answer for a while the send a computerized answer and then refund the stolen money. I believe this criminal practice should be investigated as Bank of America has doe it to me before and probably there are more victims of these 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 2020-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom Credit card was opened fraudulently using my personal information, This was not authorized by me. 

See attached FTC affidavit of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2020-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
JCP Credit card was opened fraudulently using my personal information, This was not authorized by me.

See attached FTC affidavit 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 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: 2288984 Ontario Inc.
State: PA

Complaint narrative:
The loan company Money Key Loans called me on XX/XX/2020 saying we saw you had a inquiry to get a loan and we are willing to provide so we will go forth and process your loan their phone number is XXXX. They asked me for and I gave them My bank account number and my Social Security number along with my bank account login information Then once they figured out it was my account they wanted to start a security process of putting the amount of {$700.00} into my account and then use two gift cards to give it back to them and they did this twice On the next day the second time was in the amount of XXXX and that was for what they said was to fix my credit score so the loan company itself would approve of the loan since at the time I did not have good credit. A couple of days went by and then I noticed that my bank account was overdrawn by {$2500.00} I then called my XXXX XXXX  about that and they said two amounts of {$900.00} and {$730.00} were waiting to be processed to be put back into my account then my balance read {$1400.00} on XX/XX/2020 I tried to close that account and open a new one but the bank rejected it and cancelled all my accounts My account however is as also attached to my Mothers accounts and then the bank then took my mothers available funds and her payroll in the total amount of {$1000.00} on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: NJ

Complaint narrative:
Something very suspicious is occurring and I urge you to please read this statement in its entirety because I suspect attempts at discrete impropriety from these companies that explain why I currently have no ability to see my balance, see my payment history or even attempt to pay any part of my loans. 

On XXXX XXXX, 2020, at XXXX XXXX I received an email from my original loan servicer, Cornerstone Education Loan Services ( Uheaa ). The email stated that my loan servicer would be changing to XXXX XXXX around XXXX XXXX, 2020 and it provided modestly detailed information with respect to how the transition would unfold. 
Note : At that point, my loan information, including principal balance, interest, and payment history were all still accessible on the Cornerstone website platform, i.e., my Cornerstone account. 

The email clearly states, " XXXX XXXX will contact you after your federal student loan account has been transferred and loaded to its system. '' It is now XXXX XXXX, 2020, and I have not been contacted by XXXX XXXX. 

Curious about the state of my transfer I logged back into my Cornerstone account to see if there had been any update or if my account reflected the initiation of this transfer in any way. Strangely, while my account still exists, it is entirely void of information with respect to my loans and payment history, which is highly concerning. 

I have not been contacted by XXXX XXXX, I have not received a welcome letter with account information, and I have not received my new federal student loan account number as referenced in the email provided by Cornerstone. 

Note : As of today, should I want to go online and pay part of my principal or interest, I would be unable to do so as my account is somehow in limbo. Should I need to check my payment history or share loan information/history with my university as I prepare to register for this next semester, I would be unable to do so. Now, imagine that this current state of affairs continues through XXXX and the moratorium of interest ends, my loans will technically start accruing interest without me being able to pay them. The aforementioned limbo status of my account prevents me from paying any of the principal or already accrued interest before the end of the moratorium. Come XX/XX/XXXX, I will be paying more interest than planned because I am unable to apply anything to the principal in the meantime. This seems unethical to me, and I would think that this violates my rights on multiple levels. Shouldn't this be illegal? I have no accessible information regarding my student loan payments, no proof of my billing history, and I have no way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation