vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I was a resident at XXXX XXXX XXXX XXXX in XXXX Michigan ( owned by XXXX XXXX, at the time ). We moved out at the end of XX/XX/XXXX with all bills paid up, including the return of our deposit minus the final utilities ( water, sewer, trash ). 

In XX/XX/XXXX, they added a charge for {$760.00} and reversed the charge the same day. They are saying that I owe the {$760.00}, even though their own records indicate I have a {$0.00} balance. 

We never received a bill from XXXX XXXX XXXX XXXX, nor XXXX XXXX. Starting in XX/XX/XXXX, my wife and I both started receiving calls from a debt collection and eventually a law firm attempting to collect the {$760.00}. Each time I was contacted, I told them that we had a good relationship with XXXX XXXX XXXX XXXX  and if we owed them money, we wanted to make it right. It took from XXXX until XX/XX/XXXX before the finally sent documentation showing what we owed and that our balance was {$0.00}. 

I sent this information to XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX  XXXX XXXX XXXX. I could not contact XXXX XXXX by telephone. I sent them a packet with all of the information asking them to intercede ( I have not heard back from them ). I was able to contact National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX. National Credit Systems refused to do anything, even though they were the ones who published derogatory information in both of our credit reports, because the case was in the hands of the law office. Even though I sent the information back to the law offices ( the information they provided to me ), they refused to take any action to correct this whole situation. 

I also filed disputes with 2 of the 3 credit bureaus who simply checked with National Credit Systems, who said it was a valid debt even though I had provided them the paperwork showing it was not a valid debt. 

To this date, our credit ratings still have the false information and none of the three ( XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX  ) have sent me any information acknowledging the mistake, nor have they been willing to discuss the matter when they called me or I called them. I even had one person tell me I should pay the amount requested without any documentation proving I owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: IN

Complaint narrative:
Seeing how TransUnion finds it fitting to respond with canned answers, and their response has nothing to go with my question, I will keep filing complaints until they actually respond. Here we go again. 

Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXXXX/XX/XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. In my complaint nowhere did I ask if XXXXXX/XX/XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. Yet TransUnion created a report, made that report public, where the report stated I was delinquent. Why?

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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
Amerisave advterised favorable rates but post application and a hard credit pull disclosed for the first time they required a {$500.00} nonrefundable fee and would refuse to lock rates. So the consumer is out {$500.00} and has no idea what the actual loan terms are. 

Worse, *after* the loan officer refused to lock I received an email saying " lock in now '' and " click here to lock your rates '' but the link just led back to the same website with no rate lock available. 

I then received at least 10 sales calls in two days from them even though I told each caller it was dishonest to say " lock now '' in marketing emails and then refuse to lock and to please stop calling.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
A year ago, I paid an online service for malware elimination. At that time, the service made it cler that this was a subscription and that if I did not cancel the subscription I would be charged another {$10.00} one year later. I went online and cancelled the service because I didn't need a subscription. I have the meail documenting this cancellation. This week, the service charged {$40.00} to my Paypal account. I diputed this charge with Paypal and was informed that they derermined the charge was legitimate. I sent the subscription documentation to Paypal but have gotten no response. I also sent the cencellation documentstion t0 the service provider and no response. This is a fraudulent charge and Paypal needs to refund my money. Paypal transaction number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Credence Resource Management continues to call my phone multiple times per day despite being informed I am not the original owner of the cell number XXXX XXXX XXXX. I do not and can not know the original owner. 

I continue to get daily phone calls from them despite having no current debts of any kind. Mortgage, medical, or otherwise. Informing them I am the new holder of this cell number has likewise not worked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A few days ago I received a check from what I thought was a company called XXXX that had hired me from an online interview. I was told that I would need to purchase the equipment necessary for the job with the funds they would send to me. 
On XX/XX/XXXX I received a check for {$4900.00} and was instructed to make the deposit at the drive thru ATM, which I did. Afterward a temporary amount of {$400.00} was available to use which the interviewer instructed me to XXXX to a vendor for some sort of bpmware needed for work. The next day XX/XX/XXXX I was asked to proceed to a XX/XX/XXXX and purchase gift cards. This is when every bone in my body told me something was wrong. I contacted my bank immediately and spent hours on hold, spoke to 4 different people and no one would investigate the XXXX Vendor that MY MONEY was sent to. I fully expect this check to bounce and at that time, I will have lost the {$400.00} I idiotically sent to an unknown vendor. I was RUDELY told there was nothing that they could do. I deposited the check, and there is NOTHING that they can do to help, whether it be to open an investigation or flag the check. I was offered nothing. Way to go Wells Fargo. 
As of this morning this check for {$4900.00} has not bounced, and I am scared. I am scared that I am going to get a knock on my door from the cops that I stole money. Help me, please.

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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I made 3 transactions with the merchants XXXX in the amount of {$290.00} on XX/XX/2020, XXXX XXXX in the amount of XXXX on XX/XX/2020, and XXXX 's in the amount of XXXX on XX/XX/2020 which all 3 transactions were cancelled and confirmed by merchants with emails of the cancelled transactions. I contacted my financial institution several times through the application, and I was provided a phone number through the application to contact the Moneylion at XXXX. Upon contacting Moneylion on XX/XX/2020, the representative confirmed the 3 pending amounts on the account, but was unable to provide any explanation on the the whereabouts of the missing funds that were not made available and that as of XX/XX/2020 was still showing as pending in the account. I requested to speak to a supervisor in which my request was not honored and the call was ended without a resolution. The morning of XX/XX/2020 I checked the moneylion application for the pending transactions in which were no longer showing and the funds had not been place in my available balance, the transactions and funds were missing. I contacted moneylion and while holding there where constant dial tones and upon speaking with a representative, the call was disconnected after my request for a supervisor was refused. I then called again, and after a being placed on hold once again, a representative claiming to be the representative that disconnected the call previously called the line, The representative began to explain that there were no available supervisor, and once I explained to the representative again about the missing funds He advised that he was reviewing my account but provided incorrect dates of previous of my past conversations as he said he was referring to prior notes written by previous representatives and could not explain why the funds from XX/XX/2020 transactions showed pending status until XX/XX/2020, and and on XX/XX/2020 funds had not returned to to my account as available. I again was not provided a resolution nor was my request to speak to management granted. As shown here in the attachment, funds from each transaction was not credited simultaneously back into the account and used for the next transaction, I had to transfer funds from my Branch bank account to make each transaction due to each amount being on hold until the disappearance of all the transactions on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I submitted my mortgage payment of {$980.00} and on XX/XX/2020 my bank confirmed that Caliber Home Loans had charged the mortgage amount twice. So one payment of {$980.00} posted on XX/XX/XXXX while another payment of {$980.00} is pending/on hold. As of XX/XX/2020 I still do not have access to these funds within my bank account. I contacted Caliber Home loans customer service department and was told that the money would be returned to me shortly. I am in the middle of this pandemic with no financial assistance and I am relying solely on my VA XXXX  compensation to live/pay my obligations. So to have an extra {$980.00} withheld from me without a full explanation other than that it is a technical error within their system is truly unacceptable. I have no money left over to pay the rest of my bills or to purchase groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OK

Complaint narrative:
In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint againstXX/XX/XXXX XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Security Credit Services, LLC
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I ordered an airline ticket for my wife in XXXX from XXXX XXXX and due tho the corona virus had to move the flight up from XX/XX/XXXX to XX/XX/XXXX, at the time XXXX XXXX would not answer any calls and no way to get a hold of them except for my wife to drive to the airport and change it personalty, which she did with me on XXXX and i had to pay a change of ticket fee which i did, After she flew, XXXX XXXX charged me for a second ticket, In which I started a dispute in XXXX. Best Buy Citi Bank started the dispute but the charge was re entered on my balance 2 weeks later, i called and again and they turned it over to fraud cancelled the card and sent me a new XXXX, XXXX week later the charge showed up on my new card I called fraud, they cancelled the card and and issued me a new one. The charge showed up again on the new card and after many calls to fraud, they apologized and said it was not a fraud and transferred it back to disputes again, this is 3 months after the fact now, no less than 35 calls to disputes the new dispute was never filed and after 3 calls to supervisors they assured me the dispute was filed. I cancelled the account due to frustration. The charge showed up on my balance again and after 10 more calls to employees and supervisors I was told they filed the dispute on the old card and not the latest card by mistake and they would file the dispute on the latest 2 cards. This never happened and the charge still showed up on my statement. No less than a total of 65 calls to Best Buy customer service and the next to the last call 17 days ago assured me the dispute was filed,. The amount plus late fees was still on my closed account and on XX/XX/XXXX I called again and was told the case was closed and I owed the money and that was that, On the same day a late payment was added to all three of the credit reporting companies ruining my perfect credit score, They refuse to help me any further and I lost a home purchase because of the 77 point score drop of a {$46.00} late payment. I immediately paid the whole amount am told this late payment will be on my report for 7 years ... .Please help

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 2020-12-04 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Andrews & Cox, P.C.
State: AL

Complaint narrative:
On XXXX XXXX, I contacted Bleeker Brodey & Andrews to discuss possible payment arrangements for a debt that I owe to XXXX XXXX. I spoke with XXXX XXXX and he begin to ask me questions about my place of employment and I told him that I did not have to provide that information and that I am attempting to resolve this debt. At that point, he became very aggressive, hostile and rude. He said that he would not be able to provide any payment arrangements with me unless I provide him with my place of employment and that he can contact my place of employment to verify and begin the process to garnish my wages. I attempted a second time to discuss a possible payment arrangement and he said that I would need to pay XXXX upfront before XXXX enter into a payment arrangement ... which by the way, he previously stated that he would only be able to provide payment arrangement if he knows my place of employment. I proceeded to informed him that I know my rights under the fair debt collection practices and that he will not intimidate, bully or disrespect me when I am attempting to resolve this matter. He told me to call him back when I have XXXX dollars and hung the phone up in my face. 
I called the firm back and asked to speak with a manager and the representative informed me that is name is XXXX something ( cant remember his last name ) he is on the line with a someone and that I can leave him a voicemail. I left him a message informing him that, XXXX XXXX, was rude and disrespectful and that he hung the phone up in my face. Also, informed the manager, that I am trying to resolve this matter and asked if he could give me a call back. As of now, I still have not heard from anyone in that office. This company uses intimidation tactics to scare people, they are rude and abrasive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation