vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: Innovis
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
SANTANDER CONSUMER XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft

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 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
In 2019 someone broke into my car and stole my belongings and my identity. I was not aware of this collection on my credit report opened XXXX XXXX .I made a police report The amount of {$1200.00} I should not be held responsible for this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I'm seeing a medical bill sent to me XXXX XXXX, XXXX, for a XXXX I had done in the summer of XXXX. This bill was wrongfully billed to me and should have been billed to the organization of the XXXX XXXX XXXX that I was playing for at the time. I also noticed my bank isn't on auto-bill which I'm almost happy about because this isn't supposed to be billed to me. I would like to first, get this removed from my credit report because now I can not get a mortgage on a home. I have a history of close to zero debt and I would like to be helped with this unfair situation that is marking down 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 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Fri, XXXX XXXX, XXXX XXXX  ( 7 days ago ) to me paypal Dear n/a, Congratulations! Your withdrawal limit has now been lifted. You can now withdraw unlimited funds from your PayPal account. 


Yours sincerely, PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON COLLECTION AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft

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 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Today just a few minutes ago {$500.00} was sent to a paypal account linked to XXXX. 

XXXX XXXX Details Sent to XXXX  XXXX XXXX   Transaction ID XXXX My personal email is XXXX I assume they hacked into my paypal and sent funds to their account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX  resulting in {$2200.00} and I also had a fraudulent charge from Bank of America resulting {$2600.00}.

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 2020-04-18 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: TN

Complaint narrative:
Never applied for these accounts I.am writing this due to non-compliance with the Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.

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 2020-04-18 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from TD Bank resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
This collection agency is claiming I owe a debt to XXXX. The whole World is in the Covid 19 Pandemic and this company sent me a letter stating a have to pay a debt I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have included a police report to the credit bureau Experian and that are continuously reporting 2 accounts that are results of identity theft. One is portfolio recovery. Original creditor is XXXX XXXX  XXXX XXXX, another is XXXX XXXX and lastly XXXX. XXXX ( XXXX creditor is XXXX XXXX XXXX ). I spoke to an agent at experian and looked into the consumer rights and laws of the FCRA and found that these items should be removed because experian has NEVER provided me with hard proof of how theyre determining that these are my accounts. Ive already submitted a police report to prove that Ive been a victim of identity theft.

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 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
My loan was being handled by The Money Source ( https : //themoneysource.com/ ). In the month of XXXX ( XXXX XXXX, 2020 ), I paid {$10000.00} towards my principal repayment. The reduced principal should have applied from that day itself and I was supposed to pay lower monthly interest since the principal outstanding is reduced by {$10000.00}. 

The Money Source transferred to loan to XXXX XXXX somewhere in month of XXXX and my first payment due to XXXX XXXX was on XX/XX/2020. However they did not apply the {$10000.00} which I paid in month of XXXX. 

I paid my monthly mortgage to XXXX XXXX based on the original principal and thereby lost the monthly interest benefit. And till date my {$10000.00} has not been paid/sent to XXXX XXXX. 

I do not know why the company did not reduce my outstanding principal by {$10000.00} before transferring the loan to XXXX XXXX. I lost approximately 2 months of interest on the {$10000.00} amount. 

Repeated mails and phone calls to The Money Source seem to have no effect. I have sent them multiple emails on XX/XX/XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX. Also called them more than 10 times. This is a harassment and mental torture since none of their answers are satisfactory. 

This is a fraud and bad practice as the mortgage lender should apply the principal repayment from the day it was submitted. 

Please look into the matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: NJ

Complaint narrative:
Once again capital continues to charge incorrect Interest charges but it clearly states on my contract that " interest charges accrue on every unpaid amount until it is paid in full. until it is paid in full ''. Which the amount was paid off before the due date and there was no purchase made for the interest to accrue.Capital continues to take money from their customers and when you call them, their agents are very nasty.Why use a company that can not even respect their customer. This is the quick silver account ending in XXXX paid off for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I told them I have XXXX. They supposed to do there job and didnt do it still charg me.

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 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: PA

Complaint narrative:
It was yall job to call XXXX and yall didnt .legnagets on yall part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: OH

Complaint narrative:
I have repeatedly asked for evidence to support Experian 's reporting. However, the organization has failed to provide a copy of any supporting evidence that might substantiate its claims. Moreover, I have requested their method of verification and have not received evidence of compliance. This too is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Still, there is no viable documented evidence that bears my signature and confirmation the accounts are accurately reported. 

Given the belief, this organization is acting in bad faith, by not complying with the Fair Credit Reporting Act, I have filed a formal grievance with the following : XXXX XXXX XXXX, Attorney Generals Office, and Federal Trade Commission. 

Experian is reporting incorrect and missing information. For instance, these items have the following : a ) incorrect account numbers, b ) inaccurate dates of activity, c ) inaccurate date of last update and d )  includes a collection account with a limit. 

According to an FTC Opinion Letter : XXXX : XXXX ; In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with section 609 [ of the Fair Credit Reporting Act ] because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file.

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 2020-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I already submitted similar complain 4 times. 
My current mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX {$650.00} was not received by me. 
Do not mail check deposit it to my checking account in bank of America

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 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA Mastercard statement ending XXXX closing date XX/XX/XXXX. I DID NOT APPLY FOR OR AUTHORIZE THIS ACCOUNT USAA OPENED. 1 ) ** PROVIDE. ORIGINAL WRITTEN DOCUMENTATION TO VERIFY THIS IS/WAS AUTHORIZED BY ME TO OPEN THIS ACCOUNT. THE DEBT FROM THIS ACCOUNT IS NOT MINE. See attatched XX/XX/XXXX Collection Letter of card ending XXXX THIS IS NOT NEVER HAS BEEN MY ACCOUNT. 2 ) ** PROVIDE ORIGINAL WRITTEN PROOF THIS IS/WAS MY ACCOUNT AUTHORIZED TO USAA TO OPEN IN MY NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian emailed me offers repeatedly to try their product ... 

Experian Boost* Instantly raise your FICO Score for free. Over 1 million Americans have boosted so far! 

I did not respond. 

Then I get an email notifying that my score dropped approximately 30 points to believe the average then reduced is about XXXX. 

Experian said increased usage. True, a veteran in government service with XXXX, I moved from Virginia to California ; accordingly, monthly balance for one month, which I paid off when due, increased from about $ 1k to $ 3k for one month. 

It appears that my score dropped to entice me to use the Boost product to restore the prior, high score. 

I froze/locked all three. 

How can the credit rating reduce my score in middle of pay period given a history of paying off card balances at end of each month? 

It appears that one or more of the credit agencies are manipulating scores to coax customers into adapting use of agency products. 

? 

Thank you. 

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 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. cooper is a third class money hungry, greedy company. I applied for financial hardship on XX/XX/2020, after one month of deliberation, dragging my case and unnecessarily asking me for the documents which were not required they have come up with a six months forbearance program in which I have to pay them {$160.00} every month for six months, they have come to a conclusion that I have no financial difficulty, are they out of their mind? I have provided them food stamps letter from the county and also my unemployment letter from the state and they are saying I have no permanent financial difficulty, which illiterate is underwriting their loan terms and conditions. In this epidemic of coronavirus how can they say that I have no financial difficulty. The whole economy has collapsed, so where will I make my money from? 


They still want 5 % interest from me and {$1900.00} just in interest every month, this is ridiculous. 

And top of all they will report me delinquent to the credit bureaus each month for the next six months and at the end of six months of forbearance I will have to pay a whopping amount of {$18000.00}, is Mr Cooper out of their mind? Since XX/XX/2020 since I applied for the hardship I am telling them to give me a permanent solution to the mortgage problem as I am hit really hard from Coronavirus and also going through an active divorce, so how can they ignore all this. After one month of deliberation they have come up this with this senseless forbearance program which doesn't make any sense. It just tells that how greedy they are and they just want money and do not care about people.

Company response to consumer: Closed with explanation