vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duane Morris LLP
State: TX

Complaint narrative:
By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', Duane Morris LLP ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of XXXX XXXX   XXXX ( " Debt Collector XXXX '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the  statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et  seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( XXXX ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling  {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector XXXX predecessor XXXX crediting said payments to the subject account. ; and ( 2 ) Debt Collector XXXX, Debt Collector DM and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector XXXX predecessor XXXX without any legitimate reasons or explanation. 

Additionally, Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: NY

Complaint narrative:
There is an account reporting on my credit report that I have no knowledge of. I contacted XXXX XXXX to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was notified via letter on XX/XX/20 that XXXX XXXX XXXX would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington Law misrepresented their services. They said they could remove all the negative marks on my credit. Ive been paying them  since XX/XX/XXXX. As of now nothing of any note has been done. When I call them they always read from what appears to be simple script and nothing gets done. I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Please remove my extended fraud alert, consumer statement and security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
On XX/XX/2020, I closed on my Refinance deal with AmeriSave. On  XX/XX/2020, I received checks via XXXX for creditors & payout ; in which, I noticed 2 discrepancies. ( 1 ) My refi cash out check was - {$1500.00} short. I inquired about the issue with XXXX XXXX XXXX & AmeriSave, they both blamed the other. So I started an email thread with both included, I still got no where and still have not received my proceeds to date. ( 2 ) Per underwriter, I had to pay off my creditor, XXXX. XXXX provided documents & emails specifying I  was paid in full since XX/XX/2020 and they couldnt accept the endorsed check. Upon sharing this information with AmeriSave, they still denied the valid data, chose to ignore my current credit report that they pulled which showed a XXXX  balance. Refusing to accept XXXX check back to resend in my name. Its been over 28 days of frustrating, redundant back and forth emails/ calls of broken  promises of repayment to include tracking information and still no resolution to date!! CFPB please assist and get these folks to stop holding MY money hostage.

Consumers : I have been dealing with this refinance process with AmeriSave for well over six ( 6 ) long, frustrating months. With  other pertinent departments involved it was either people had delayed responses, their emails always stated not available which delayed paperwork process, which then expired, which lead me to resend. Now, when I should be excited and celebrating this unnecessary, time-consuming ordeal. The only great, professional, prompt, communicative person at AmeriSave was my loan originator, Mr. XXXX. I would have swiftly went elsewhere if it wasnt for him.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had an issue with my Comenity Capital Bank credit card for Forever 21. I never received an order and was issued a refund. Regardless of this, the company continues to charge me interest and late fees on a purchase that I never received. I filed a complaint with the XXXX a while back and received a letter from Comenity Capital Bank stating that my account was XXXX  out and closed as per my request. As of XX/XX/2020 the letter states that my account balance is XXXX. I was also receiving harassing phone calls from restricted numbers at all hours of the night which is illegal. I usually wouldn't close a card because it would hurt my credit, but I had no choice as per these phone calls I just wanted them to stop. I have attached a photo of the document below ; as well as a photo of my credit history report which states that I had 100 % payment history until this point. Also I filed another report with the XXXX  yesterday and today ironically I received emails from XXXX XXXX stating that my account was updated to past due. My credit score of over XXXX has gone down to XXXX and I was turned down for a new credit card. I am considering legal action against the company if this can not be reversed. I absolutely will not and refuse to pay any fees associated with an order that I did not receive. Please see below documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
For no reason, US Bank closed my account. When I called for an explanation, they stated they don't have to give one. The account was closed due to Terms and Conditions.

I don't know what means, the bank will not explain to me why the account was closed. I have rarely bounced a check to anything else.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NM

Complaint narrative:
Freedom Debt Relief has mis-led, used false marketing, and has not disclosed any information to me about my account. They charged ridiculous fees with nothing to show, collected over {$40000.00} from me did little to nothing of what was promised. Furthermore, they lied about what they could do, what they did, and what they were working on doing I cant even get copies of my agreement with them. When I log in, the website shows an entirely different account with someone elses social security number, banking information, and accounts. I closed my account and now they refuse to even tell me which accounts had settlements, and who the company contacts are. Ive wasted four years of money, energy, stress, and credit score on this company. In speaking to creditors, Ive found out some settlements were never even agreed upon! They lied, stole, and cheated me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove my extended fraud alert, consumer statement and security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
Please remove my extended fraud alert, consumer statement and security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: FL

Complaint narrative:
Upon reviewing my credit report in XXXX of XXXX, I discovered Experian recorded a charge-off on a joint account I had with XXXX   XXXX  ( now XXXX  XXXX  ), account number XXXX, in XXXX of XXXX. I did not dispute the charge-off ; however, the account was paid in full on XX/XX/XXXX. I provided Experian with a signed letter from XXXX XXXX indicating that was factual. I requested this information be added. Experian changed the finding to indicate the account as : " Paid -was a charge-off. '' Once this was corrected, Experian indicated the " charge-off '' occurred on the month I initiated the dispute, which was XXXX and XXXX of XXXX. Since the negative activity is maintained for 7 years, I contacted Experian again and requested the negative reporting be moved to the original date, or no later than XXXX of XXXX since the loan was fully paid that month. Experian responded by leaving the negative reporting in XXXX and XXXX of XXXX, and added two more months of a " charge-off '' in XXXX and XXXX of XXXX. The third request I made to Experian resulted in a " charge-off '' showing up in XXXX and XXXX of XXXX. This pattern continued each request I made to place the negative activity back to XXXX of XXXX. I am at a loss and have no doubt that further request to Experian will result in additional charge-offs showing on my credit. 

The negative information, which should be minimalized due to the time frame, continues to have a negative impact on my credit due to Experian 's failure to correctly report the facts. I accepted the responsibility for the loan by co-signing for my child and never disputed the charge-off. However, the account was paid in full in XXXX. I did not have that account with XXXX/XXXX  in XXXX, XXXX, XXXX, or XXXX and should not be continually penalized for requesting the CORRECT information be reported.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: GA

Complaint narrative:
Please remove my extended fraud alert, consumer statement and security freeze.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove my extended fraud alert, consumer statement and security freeze.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avantus, LLC
State: GA

Complaint narrative:
Please remove my extended fraud alert, consumer statement and security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GreenSky, LLC
State: MI

Complaint narrative:
XXXX XXXX headquartered in Tennessee, along with their 3rd party debt collector, are trying to not only steal money from me, but are  ignoring my complaints. XXXX is a XXXX XXXX XXXX  treatment company in which I signed up for a half off discount on laser services. I only went for 4 XXXX and not only did they not work, I became XXXX and could no longer drive to XXXX. Also, with a compromised XXXX XXXX, I can't get XXXX  on my XXXX  yet they are still charging me {$75.00} a month. They have already sucked {$1000.00} out of my bank account and now want $ XXXX even though I stopped getting treatments over a year ago. I talked to the director of XXXX XXXX, and she told me she didn't know why they were charging me that much, yet she said she can't do anything about it. That is not the way to conduct business. I wrote the director again a couple of days ago because I found out that GreenSky has a class-action lawsuit against them and over XXXX complaints on this sight. Nobody is helping me. They are pretty much stealing from a low-income XXXX citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XX/XX/20 Portfolio Recovery Debt collection attempted to contact me for someone else 's debt, when confronted with this, they claimed 'someone else gave me your number ' and apologized, claiming they would not call me again regarding this debt. They used XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX was the agent 's name. It was at XXXX XXXX  and from a XXXX, NC area. 

On XX/XX/20 I received another phone call from a Portfolio Recovery debt collection from a XXXX, WA number XXXX ( XXXX  ) XXXX. I attempted to call and was denied their address for a cease and deceased letter, instead told that 'lets see what we can do instead ' from their agent, whos name wasn't received or heard. She informed me that the number was 'the number given to them ' to call. She apologized, and stating that it should have been fixed in their system, not to call me the previous time. She said it should be fixed now. 

I have blocked this number, as well as the previous one, both were told not to contact me again. This is bothering me, as the debt is not mine and they are finding new numbers and locations to harass me from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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: OH

Complaint narrative:
I was effected b the XX/XX/XXXXEquifax data breech, and Im still suffering because of Equifax! I have written, called, emailed and filed countless disputes, yet a lot of their information on my report is incorrect. They also allow medical bills and I believe that they are not supposed to do that especially when the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management, L.P. is attempting to collect a debt that is not mine. They are finding my number online and using " associated number '' tactics to look for this person. I have stated to them countless times to not call me because I have nothing to do with the debt. I have not cosigned, I have not given them my number as a contact. They are just looking for numbers online and calling to collect the debt. This company is associating names and 'possible ' relationships and just calling blindly. They have been calling for months and is still calling my phone, after I have told them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation