vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have tried calling on several occasions to get this resolved. During covid no one answered the phone. Everytime I did get someone they could not figure out how to credit me unapplied funds. It escalated to a supervisor but still no letter no refund and no call back. I would like a refund of the unapplied payments and a overpayment. {$2400.00} I since sent on XXXX a certified letter explaining why I have several overpayments that I would like returned. It has to do with paying on the app. ( glitch ) I have the letter and the copy of my certified letter and receipt attached. No

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

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 2020-10-21 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-21 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX DP OF EDUC XXXX USDOE/XXXX 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 2020-10-21 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED  XXXX XXXX XXXX XXXX OF EDXXXX XXXX DP OF EDUC XXXX USDOEXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed

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 2020-10-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a certified letter to Equifax on XXXX, disputing items on my credit report. I have not gotten a response from them it has been over 30 days. according to the fair reporting act, these items should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I was unaware of this bill from 2015 until my a credit report was done. I had to contact XXXX to get the name of the debt collection agency and what it was from. I contacted the company and paid the bill in full. They advised me that it would be removed from my credit file. My paid in full confirmation number is 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 2020-10-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

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 2020-10-21 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 {$2700.00}, {$0.00}, {$5100.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in wiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I previously reached out for information about my credit card payments. I was still not given a definitive reason as to why my minimum monthly amount due was increased from {$50.00} to {$51.00}. Nonetheless I increased my monthly payment amount to {$75.00} and have been making payments every month on time and my amount due each month continues to fluctuate up and down without me being informed. I do not and have not used my credit card for purchases in over a year. I should have been notified early on so that I could stay up to date with my bills. I would like an explanation as to why my amounts due are always being changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The credit card guarantees that I won't be held liable for unauthorized or fraudulent charges. But the bank failed to honor a valid credit card claim. I disputed a transaction ( Claim number : XXXX ). The bank has misguided me during the dispute process and failed to properly pursue the dispute even though it is a valid one. The bank informed me that the dispute is closed and it does not want to take any further action to process my valid dispute. The bank has a copy of all the information needed regarding this claim.

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Immediate Credit Recovery
State: GA

Complaint narrative:
Since XXXX I have been trying to settle a debt that the college says I owe. There was a glitch in THEIR system ( I have emails of them admitting error to the errors ). They issued my my student refund before settling my book store account, which came to about {$1200.00}. The college refused to give me my transcripts. I have since had a no asset bankruptcy discharged ( XXXX ) and this debt was listed and discharged as well. They also sold this debt to a collection agency, a couple of months after being notified of the filing and discharge. The same collection agency states that they did see that this debt was included in the bankruptcy and sent a request to the university that I be given my transcripts. However, the college is still requesting the balance from me before I receive my transcripts. It is ILLEGAL to attempt to collect on a debt that was discharged in a bankruptcy proceeding. The college attempted to tell me that the debt could not be discharged because I took out a student loan. However my student loan provider is in the process of discharging this loan due to the negligence and mishandling of student loan funds by the college in my case. The fact that I am unable to pursue a higher education ( which the same colleges should want ) at another university due to this college negligence is causing me a great deal of mental and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C.System, INC Original creditor : XXXX XXXX Account type : collection Department/Agency/Attorney Collection open : XXXX XXXX {$260.00} Account number : 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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX XXXX also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
I contacted experian, XXXX and XXXX about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives

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 2020-10-21 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: CA

Complaint narrative:
There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed

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 2020-10-21 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:
I send a copy of the police report for Identity thief. The account in question is still be reported on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Our loan has been sold many times over the last 15 plus years. For a few of those years Specialized Loan Servicing owned the mortgage loan and they never paid the property taxes out of our escrow account. XX/XX/2019 another loan servicing company took over the loan. So now XXXX XXXX XXXX XXXX has our loan. Both companies are refusing to pay the back taxes owed. I have contacted Specialized Loan Servicing back in 2019 and they said it's not their problem as our loan was being packaged out to another servicer and that it was not their problem anymore to pay it. They said we were responsible for this now. We did what we were supposed to do, we paid the payment. But Specialized Loan Servicing did not do what they were supposed to do and pay the property taxes. The county is about to put our house up for auction due to non payment of property taxes. Both loan servicers have been contacted about this. Specialized Loan Servicing was contacted via certified letter in XXXX of 2019 via the advice of a local attorney.

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 2020-10-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter to Transunion and XXXX  on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.

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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX  XXXX  also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in writing and will not call me back.

Company response to consumer: Closed with explanation