vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
As of today 's date I have never received a bill from XXXX other than from one collection agency to another I have contacted their office and never got a bill from {$1100.00} to now i received a bill from Nation Wide Credit for another amount in the amount of {$330.00} no one can pay a collection when they never received the actual bill from the company this is absolutely ridiculous to any consumer to have different collection agencies wanting money from one Debt and each time it's a completely different amount and the consumer has never gotten a bill for this amount. It is robbing the consumer because you hold the pen to ruin them financially and credit wise.

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 2020-09-02 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: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-02 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: Coast Collection Agency Inc
State: MI

Complaint narrative:
Dated Material - [ Wednesday, XX/XX/2020 [ Early Prior Knowledge Developmental Summary Report ] Identity Report Summary with Possible Relations where the victims/claimant Identity was subjected to a conflict of Interest with the ; Federal, State and Local Government Operations ] : While living in the State of Michigan Ive been unable to find sustainable -- - Career Opportunities thats financially sustainable where Im able to afford the major essentials such as sustainable transportation due in part to my low credit score where Ive learned prior that my social security had in fact been manipulated fraudulently from a -- - Foster Care Social Services Agency Provided by the State of Michigan where the Agency named ; XXXX XXXX XXXX XXXX and the State of Michigan takes sole guardianship over your private essential documents with supplemental arguments thats sustainable and sufficient by the State of Michigan and the Michigan Supreme Courts System. However ; prior to ; Foster Care Placement Parental Rights ; is relinquish from the primary parental parents where it was determined that ; XXXX XXXX XXXX, was improperly neglected by his or her Parental Guarding therefore ; the State of Michigan and the Foster Care Agency, than appoints the -- - choice Foster Parent as Full Parental Guardianship of the -- - Foster Child ; who is determined as a State Ward in custody of that Foster Parents Care from the time of entry until he or she has phase out of the Foster Care Program. 

Recent Active Activities : Most recently, returning from the State of Georgia, while keeping a consistent investigative challenge with regards to my developing credit report and my credit history where Im challenging credit history by bridging the gaps, to my puzzling Identity and how my identity has shown inconsistency with regards to fraudulent errors done by the below documented suspects -- -- other than my own interest which means I had no known knowledge that this type fraudulent activity would take place upon my identity or upon my personal private credit platform. 

With that be stated -- - I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these vehicle accounts and did not authorize any vehicle to be purchase under my name or identity and never authorize anyone to use my driver license to register any vehicles with the Michigan Secretary of State -- - I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 

[ XXXX XXXX XXXX ] - [ Victim Recorder ] Leadership Development - [ Leader-Principal ] [ Government Member ]

Company response to consumer: Untimely response
Consumer complaint received 2020-09-02 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: VA

Complaint narrative:
on my credit reprt there were three accounts that i felt had unfairly reports my situation when i complained my scores were lowered slightly and i was never told what the explanation was from XXXX XXXX and the two XXXX XXXX compies i filed a complaint on XXXX XXXX still haven't had a reply except to say they are still investigating and some remarks have been put on my credit file but i don't know what they said why am i still waiting and they are pushinf me deeper into the hole?

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 2020-09-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was part of the XXXX  breach. Years ago, someone fraudulently opened an amazon account in my name and used it. I even hired an attorney and spend hundreds of dollars to attempt to help me with thism and disputed the info several times, but they haven't done anything about it. 

This is FRAUD and has impacted my life for years. I've had countless other accounts that I've always had perfect payment history with, so why would I just open one account and never pay it? It makes 0 sense. 

I have a suspicion my son 's ex girlfriend opened it, but unfortunately I obviously can't prove that. 

XXXX  also has done nothing to 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 non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Charged interest after being explicitly promised by agent I would not be. I had to attend a funeral on short notice, and the website was not accepting my payment. Once in the car and on my way I called Amex to let them know and they said it would be ok to pay when I got back, given the circumstance. 

Upon returning they charged a late fee and interest, despite being told they would not. They reversed the fee but not the interest. I've spent no less than 30 hours explaining the situation. 

The website problems have persisted for more than one year, and I've reported them more than 20 times. There has been no effort to fix the login and payment issues, or the issues with accessing chat. It has not changed in any way and remains broken. In a conversation with a manager in 2019 ( summer ) I asked to cancel my card due to the technical problems. She instead promised that they would support me in making my online payments when possible, and without penalty. That was true for a while, but they've stopped honoring this with no prior warning. 

Overall, I've been lied to, had thousands of dollars in lost time, and they just won't do the right thing despite specific assurances that this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a claim with experian more then a week ago regarding all my credit history and incorrect information. Nothing has happened or heard from anybody.

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 2020-09-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: NM

Complaint narrative:
Bank of the West XXXX, NM CD Account number XXXXXXXXX opened on XX/XX/XXXX. The CD was opened as a 3 Month Maturity Date of XX/XX/XXXX. 

What happened : On XX/XX/XXXX I opened a Certificate of Deposit for {$100000.00} through Bank of the West XXXX XXXX, XXXX Branch Manager at XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Direct XXXX Fax XXXX Email XXXX Documents on Hand : I have the original certificate document from provided by MrXXXX XXXX XXXX from Bank of the West for the CD as it was issued on XX/XX/XXXX. However, the CD was never funded, the funds were never deposited to this CD. As of today, XX/XX/XXXX, the CD account today shows a XXXX balance and Bank of the West will not tell me why or how the funds were disbursed. 

Complaint to Bank of the West : On XX/XX/XXXX I called Bank of the West main telephone number XXXX and issued a complaint about Fraud due to the funds never deposited to this CD on XX/XX/XXXX to an Escalation Manager named XXXX employee ID XXXX. She could not understand what happened or where the funds were disbursed and was going to escalate to the Regional Manager. The Regional Manager never called. In addition, my online access to this account was denied to print additional documentation. 

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 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Problems with the incompetent company known as PayPal once again. This time they have " lost '' for payments totaling over {$800.00} dollars. 

The ID # s for the items sold on XXXX and the amounts are as follows. ID # XXXX in the amount of {$400.00}, ID # XXXX in the amount of {$70.00}, ID # XXXX in the amount of {$260.00}, ID # XXXX in the amount of {$79.00}. 

Paypal will give the excuse that they do not have personnel dedicated to resolving issues due to COVID 19. I did not know that you could catch the disease from a telephone conversation. Who knew?? 

Every effort needs to be taken to run the flim flam operation known as PayPal out of business. They have absolutely no business handling financial transactions of ANY nature. 

Complete incompetence. 

Thank you for your assistance. 

Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately EOS CCA has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and transunion INCONSISTENT 2018 showing proof EOS CCA did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I started the mortgage refinance with this company on XX/XX/2020. I was told there is a {$500.00} processing fee, which i paid. An appraisal was done and paid for as well. 
It has been 60 days and no indication as to when this loan will close. When asked about the delay, i got the following response which did not give me anything specific. 

. I understand you wanting to close. The main problem isnt with Amerisave or any other lender at the time, its the consumer not understanding that everyone is refinancing at the moment and things are taking longer than normal. Your loan is in the processing queue and once a processor is assigned to the loan they will help us get to the closing table. Please understand that there is going to be a wait period no matter what lender you go with, so you might as well get the best deal in which what we are going to give you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I am assisting my mother with monitoring payment for her FHA mortgage for property address located at XXXX XXXX XXXX # XXXX, XXXX CT XXXX. There are two specific issues that I would like to be addressed by the company, Mr. Cooper. I have sent a letter to them regarding the first and have tried to call to discuss the second. 

1. Removal of FHA Payment The initial sale price on the property is {$170000.00}. Per the Informed Consumer Choice Disclosure once the loan to value is at 78 % the FHA payment should fall off the loan. This has not happened to date. The argument they will puffer amounts to there being late payment on the account. However, by review of the loan, there appear to be a preponderance of errors not only attributable to my mother but also to the manner in which the loan has been serviced. I believe that she has been taken advantage of as an elder person as well as her lack of knowledge about loan servicing. The matter came to my attention and admittedly I was very upset and did not address the concerns in a calm way. It is hard to see my mom on the verge of loosing her home when the issue is based on poor loan servicing. Mr. Cooper mishandled escrows among other issues while constantly making my mom believe that her loan is on the verge or foreclosure. She consistently tried to catch up with very little relief. The loan was not handled in her best interest and it appear the servicer was only concerned with assessing more fees rather than righting the errors. 

2. Late Fee Charges The monthly payment is {$960.00} ( principal and interest ) with a 4 % charge for late fee. At present, Mr. Cooper charges late fee on ( principal interest taxes and insurance ) for a total of {$61.00}. As a consumer the borrower has the option to pay the escrow independent of the loan servicer. Late fee should not be charged on taxes and insurance. I have tried to discuss with Mr. Cooper but have had no feedback. 

Please assist in getting these matter resolve so the loan can be serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: VA

Complaint narrative:
I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately XXXX XXXX has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and XXXX INCONSISTENT 2018 showing proof XXXX XXXX did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY

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