vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: TX

Complaint narrative:
Back in mid-XX/XX/XXXX, I moved out of the college apartment I had been staying in for four years. There were a number of things that needed small repairs, a few drill holes that I patched and some mild discoloration/staining in the bathtub. I assumed that I would receive some charges for these and understood that I should follow-up with the company some time after moving out in order to handle those charges, were my deposit not enough to cover the damages. I was told that any charges would be applied shortly after I moved out and they would notify me of them. 

Six weeks after moving out, I followed up with the apartment complex and asked if there were any cleaning/repair charges that needed to be paid for, and they provided me with some {$92.00} of charges due. I summarily paid them, and asked the employee if I should expect any further charges, to which they replied " no. '' Come XXXX, I receive a letter from the complex stating that I owe some {$150.00} of cleaning and repair charges that were not previously accounted for. After examining the statement, these charges were applied on the both the XXXX of XXXX and XXXX of XXXX, some ten-fourteen weeks after I had moved out. I attempted to call the complex on at least three occasions throughout the next week, was told that the message would be forwarded to the manager and I would receive a response, and heard nothing. I fully believe that these debts listed are fraudulent, given 1 ) how long it took for them to be listed on my account and 2 ) that I had been told my accounts were settled. The apartment complex ' lack of willingness to discuss these charges serve as reinforcement to that belief. 

In XXXX, I received a letter from a debt collections agency for this debt. I sent a debt validation letter stating that the debts were fraudulent and that I dispute their validity dated XX/XX/XXXX ( within my 30-day period provided by the FDCPA ), and finally received a response  dated XX/XX/XXXX containing that same statement I was sent back in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MO

Complaint narrative:
XXXX was the original creditor to this account and this was sold to XXXX XXXX. In XX/XX/2019, XXXX XXXX was removed from my credit report. In XXXX of 2019, Enhanced Recovery Company was added as a collection account. This information has already been disputed and removed when XXXX XXXX reported the account. Also, Enhanced Recovery Company has this reported as opened XXXX, XXXX, 2019 which is inaccurate because, XXXX XXXX did not delete the account until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Im currently forced out of work due to COVID-19 I reached out to my mortgage services Mr. Cooper Loans to inquire about what options I might have because I have no return to work date at the moment and Im self employed so Im not reviewing a paycheck. The only option I was given was a forbearance with ALL payments due in one lump sum plus the current month upon ending of the forbearance. That makes zero sense because if Im legally not allowed to work and I go back at the end of the forbearance I would NOT be able to pay 4 months worth of mortgage payments in ONE lump sum. That was the only option given to me, not really an option at all if you ask me. This is a national crisis and Mr. Cooper loans are NOT offering anything remotely helpful to keep people from losing their homes. And after waiting on hold for 2 hours ( which I completely understand given the state of the us ) the woman helping me said her computer froZe and she would have to call me back. Ill let you take a guess on if I ever got a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I have no clue who SageStream is and their inaccurately reporting my credit score to companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed several times and they say they have deleted it. I have the deletion document but it still has remained on my report despite deletion multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A complaint was filled to Equifax on XX/XX/XXXX in reference to a debt from XXXX XXXX. XXXX XXXX is reporting a debt that is not owed. In accordance with the FCRA Equifax had a duty to properly verify the information being reported by XXXX XXXX. Equifax never responded in the required 30 days. 

Equifax had until XX/XX/XXXX to respond with proof of the information verifying XXXX XXXX XXXX claim. They did not and in accordance with the FCRA this item needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Mortgage servicing was transferred on XX/XX/2020 from XXXX XXXX XXXX to Carrington Mortgage services LLC through no choice on my own. Never had an issue paying my monthly mortgage payment through XXXX XXXX XXXX electronically. Carrington Mortgage services LLC charges an {$5.00} " convenience fee '' to pay electronically online each month. 

There is nothing stated in my VA mortgage origination documents that payments electronically would be subject to any type of fee to pay electronically. I called Carrington Mortgage services LLC to state that the {$5.00} " convenience fee '' is a RESPA violation as not disclosed in my mortgage or deed of trust. They stated the charge is justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, 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 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are unauthorized inquiries reporting on my Experian 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 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
there are unauthorized inquiries reporting on my credit report that I do not recognize

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 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
there are unauthorized fraudulent inquiries reporting on my transunion personal credit file that I do not recognize

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 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately

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 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TN

Complaint narrative:
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX   XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX/XXXX  XXXX XXXX Unauthorized and demand strict proof. XXXX/XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.

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 2020-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: MI

Complaint narrative:
Lease ended in late XXXX. US Bank billed me for the agreed upon lease termination fee, which I paid within 10 days of receiving. By the time I got the invoice for the lease termination fee, it was ALREADY PAST THE DUE DATE. I refused to pay a late fee because it took US Bank so long to send out the termination fee invoice. I paid the amount due in full, as I did every single lease payment. I have written to US Bank multiple times and return their phone messages advising them that they send me a lease termination invoice LATE and advised them THIS IS A DISPUTED MATTER. They continue to harass me by sending invoices, forcing me to repeatedly reply telling them this is a disputed matter. I paid the lease on time and in full. I am NOT paying for their sending me an invoice late. BTW, I did not terminate the lease early. None of the choices the CFPB allowed fit my situation exactly right. Attached is my XXXX of XXXX letter to US Bank and the most recent invoice from US Bank.

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 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: AZ

Complaint narrative:
I have been financing my vehicle through CRB auto for two years. I have proof of all payments made each month from the beginning of my loan with the confirmation numbers. There has been at least one, what they claim, to " accounting error '' each month with my bill. Online payments made are not applied to accounts correctly and the interest assessed on each payment far exceeds a compounded break down throughout the calendar year, according to the yearly APR signed and agreed to in the financing contract when the car was purchased. 
I purchased the vehicle in XXXX of XXXX, for {$16000.00}. To date, I have paid a total of $ XXXX in payments and still owe {$14.00}, XXXX according to my last statement as of XX/XX/XXXX. This company is criminally mishandling payments and illegally compounding interest rates weekly/monthly. 

My payment due date changed four times with no communication of the change or consent from the borrower, in the first eight months of the loan ( all of which is documented ). CRB auto has claimed missed monthly payments on billing statements online, and charged interest and penalties accordingly even though the payment was made ( confirmation numbers available to confirm and prove payment ). 

I have repeatedly called the company to have illegitimate late fees reversed and payments applied correctly to my account. I intend to pursue legal action against XXXX XXXX  for the repetitive negligent handling of payments and damages caused from such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
There are NO payment options or assistance due to the corona virus outbreak

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 three transactions were made on my atm card. They withdrew {$40.00}, {$260.00} & {$300.00}, I became aware of these after chase bank called on a transaction they had denied..but didn't seem to have caught these. I filed a report with them and they denied it saying since it was a chipped card it is impossible that these transactions were done by me. Reopened the claim and they denied it again. They stated the transactions were done at the Atm I always use, mind you this is the closest Atm to me. They have put in a peralis situation since this money is destined for house repairs. Now today 3 more transactions were made at XXXX {$60.00}, {$63.00} and {$100.00}. Since I have been working from home I have not left my home all day. Did file report but afraid they may come back with the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, Equifax responded that they verified fraudulent accounts that do not belong to me that I had nothing to do with. I would like to know how was the fraudulent items verified and when

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2020 I stopped into local Citibank to make a deposit into my busines checking account The manager advised her staff not to service my business checking account, does not allow me to make deposits!! Its clearly not about money and business here its all about XXXX time and cost Citigroup board of directors a loss of gains in revenue. I then went to another branch on XXXX XXXX XXXX NY, attempt to raise the account status and improve cash management features which are more beneficial for my law firm and the banking needs we have, we made a deposit for XXXX on XX/XX/2020. The actions of and deception of Citibank tellers bankers is beyond belief

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