vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: PA

Complaint narrative:
MRS BPO Account # : Unknown Amount : {$260.00} To Collection Manager : This is a second letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ) which had been deleted and readded as MRSBPOLLC and various names abbreviations pointing to your organization. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with MRS BPO and if or where I agreed to have business with you or  paperwork contracted for myself, XXXX XXXX & MRS BPO. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless MRS BPO can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.

Thank you for your time. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mezu, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, My account with the service " Mezu '' was locked for some kind of fraud suspicion. Since that time I have had no access to my account, which precludes me from sending or receiving money, and more importantly reviewing the account statements and also getting any owed refunds from cancelled transaction and stored balances. 

At the time of my account being locked, I had multiple pending transactions totaling under {$500.00}, and a small amount of money physically in my Mezu account, less than {$1.00}. 

I have attempted to correspond with the company via email and telephone to get an explanation as to what exactly happened, and more importantly an account statement so I know whether or not they owe me a refund. Via telephone I have left messages and had no response. Via email, I have re
ceived mostly form letters, and have been provided with no real answers. 

While the concept of a payment app like this, that does not sell your personal data and is focused on privacy is great, unfortunately the customer service is horrible and in the end, makes the experience very unpalatable. I will be left, at least for the time being, to use apps like XXXX, XXXX XXXX, and possibly XXXX. 

Fortunately it seems that Mezu is associated with a FDIC insured bank, so I hope that this CFPB complaint will be able to help me. As per the mezu.com website, " The Mezu program is sponsored by XXXX XXXX XXXX XXXX, member FDIC, to which Mezu ( NA ), Inc. ( NMLS ID No. XXXX ) is a service provider. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Navient kept telling me forbearance was only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax has failed to provide me with a free credit report ; to which I am entitled.

I get, instead, pitches to buy stuff from them ... like, really, buy credit monitoring from a group that has had one of the biggest data breaches in history???

I also get told that " the system is down '' each time I call or email them ....

I want my free credit report, and so does my Wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX i applied for a capitol one card with a XXXX savings on a purchase if approved through XXXX XXXX XXXX in XXXX AZ. The purchase price was XXXX dollars for a XXXX XXXX survival rifle. I was denied. I beleive my credit score to be XXXX. I have a capitol one credit card presently with a credit limit of XXXX dollars. I have had this card for twenty years. I don't beleive i have ever been late with a payment and the bill is payed in full on receipt of the bill. In the twenty years of having this card i have bought several homes. I have bought many new cars and motorcycles. I have bought two new UTVs. I haven't been turned down for anything i have attempted to purchase. I have recently cancelled a couple of credit cards over disputes. I feel i am very responsible financially. Did capitol one deny me for my responsibility? Because i dont carry a balance and pay no interest? Or because they didnt want to give me the XXXX dollar incentive? Or simply because i already have a capitol one credit card? Whatever the reason i feel they have soiled my credit for no legitimate reason. This occured while living at my winter residence at XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to fix this problem with XXXX XXXX, XXXX  and Transunion on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both Transunion and XXXX  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to fix this problem with XXXX XXXX, Equifax and XXXX  on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both XXXX  and Equifax  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is erroneously showing a charge off balance on my experian credit report starting onXX/XX/XXXX. This account was closed back in XX/XX/XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. XXXX and expreian not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
I have case you look at they did not tell you the hole truth your case number XXXX they told you I was late on my taxes I was not I have son needs XXXX XXXX  I had I lot of money going out I am XXXX to put in the spring I call the and ask them if I could have my taxes escrowed and if they would do that I would pay {$100.00} more my payments are and was XXXX a month so I pay XXXX a month they told me they would I found out late in the fall it was going up for sale and the hole time I had been paying XXXX more a month they are the one that did not pay until it went up sheriff sale I thought they had paid it when they had not they talk a bought hazard insurance they did that when I had insurance did it any way I could not afford both then I found out they are telling my payment is XXXX   month no it is XXXX and that XXXX month is more then escrow and them calling they do not just call once a day 4-5 times a day on my cell phone alone they just gave you a lot of paper work and they do threaten me of foreclosure they keep say I late when I am not that XXXX dollar payment I sent three times that caught me up but every sense then the keep telling me I am payment late I am not they go back to the main contract when it is in there favor and that is it and I have not filed for bankruptcy and they keep tell everyone that I have I need help they are as crooked as they come they only tell you half storys only show you part of paper work and lie on what I say they told you I am recorded tell them you need to hear them I need help they have screwed me so bad I can not get a new loan and they are the one doing it I did not take loan with them I did not sign anything for them so why can they come in and change everything and I am paying escrow XXXX year where is that going please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
toyota is erroneously showing a charge off balance on my XXXX credit report starting onXX/XX/XXXX. This account was closed back in XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX   XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. Toyota and XXXX not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's Department Store Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted.

Please advise.

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 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX Hotline : XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Enrolled in program XX/XX/17 informed program would take 36 months with agreements made with Creditors. Took many months for this agency to make agreements with Creditors resulting in two accounts being put on Collections and one account XXXX XXXX filing Judgement against Client. Client was informed that accounts would be paid and negative information on Credit Report would not happen because Agency had plenty of time to make arrangements with original Creditor. Client has paid many fees to Agency including Legal Security, Service Charges and Phone Pay and does not understand how the Agency expects the Client to pay Collection Agencies when Client informed them that he did not want to deal with any Collection Agencies and does not owe any debts nor has any contracts with any Collection Agency. The account is operated by XXXX XXXX XXXX   with monthly amount put into Escrow {$760.00} bi-weekly, {$1500.00} monthly. There's something just not right about the way the agency is taking the slow method of paying off Creditors resulting in longer payment times is which the cash goes where? This program resulted in additional Financial and Legal issues plus Credit issues on members Credit Report which should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
For the past several years my husband and I have been paying our mortgage through a product called XXXX XXXX. This was a product offered by US Bank. This was introduced to us by our mortgage company US Bank and the mortgage is deducted from our checking account every 2 weeks. The mortgage had been paid on time by XXXX XXXX  until we received a notice  XX/XX/XXXX that our XX/XX/XXXX mortgage had not been paid. I called the Mortgage company USBank to confirm that XXXX XXXX had not paid the mortgage since deductions were taken out of our checking account through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$3500.00}. 
I then called XXXX XXXX and got a company called XXXX XXXX. I spoke to a gentleman named XXXX, ID number XXXX and he told me he could not explain why the payments were not made. His plan was to escalate this concern and that the payment would be sent within 72 hours to US BANK. There was also a late fee we incurred for {$29.00} and he assured me that the company would cover this. I called again in 48 hours and no payment or indication that the payment would be sent. I called USBank again on XX/XX/XXXX ( 5 days later ) and still US BANK had not received payment. Whenever I tried to call the XXXX XXXX program the recording would say that they are now acquired by XXXX XXXX. I then was connected to XXXX XXXX for the 3rd time in 5 days and the individual I spoke with XXXX, ID number XXXX instructed me that it was a glitch in the back office. I was on hold for 27 minutes. When I asked if I could just be refunded my money that had been taken out of our checking account he hung up on me. Prior to asking for my refund he instructed me that the mortgage company would have my money by XX/XX/XXXX. Growing concerned on the XXXX, I went to XXXX XXXX  and requested all deductions from our account be held. I put in claims for the previous XXXX deductions since I never authorized this new company to withdraw the monies. I met with XXXX at XXXX XXXX. I instructed her that an additional withdrawel should be attempted on Friday, XX/XX/XXXX and I did not want this to be deducted. She assured me that it would not be able to be deducted from our account. On Sunday, XX/XX/XXXX, I reviewed my checking account transactions, XXXX XXXX had deducted an additional {$970.00} from our account. When I called XXXX, XXXX the telephone specialist apologized for the inconvenience and recommended we place a complete ACH hold on the account. I did do this and will be closing the account tomorrow am. I am truly concerned about our money and the deceit of XXXX XXXX and its equity acceleration program. Can you help me get my money back which sums to {$4500.00}. I also want others to be aware of this company 's criminal activity

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A chapter XXXX Bankruptcy was filed in my behalf XX/XX/2016. It was dismissed by US Bankruptcy court in XX/XX/2016. I asked the Bankruptcy court were they a furnisher and they said that they were not. I have included the response that I have received from them. I disputed the Ch.XXXX bankruptcy and they said it it accurate and verified. That is not correct. They can not put this on my credit file. Only the bankruptcy can and they clearly stated that they are not a furnisher of data.Also according to FCRA 603, they must have oral or written consent from me to put this on my credit. 

The same item was disputed with XXXX  and deleted. I have supporting documentation of that removal.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit cars report that I have a delinquency public record and I do not

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 2019-12-02 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: 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 {$4500.00}. 
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 Laending 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, XXXX XXXX, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -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