vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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:
There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/19, I received a letter from this debt collector about a bill that is not mine. My wife called the company and gave account number and name of the collection notice and representative for debt collector asked for my last 4 digits of my social and she refused ; stating that she had already verified by supplying account number and name. The representative stated he needed his social security number, he refused to look up account number. I do not owe this debt and believe it is fraud. I have no knowledge of this account nor never received any bills from this company.

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 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
On or around XXXX of XXXX i received a missed call from a XXXX  number. Being a former XXXX resident I called back and the person on the other line mentioned that she was a debt collector. After verifying my information she said she was trying to collect a debt, I informed her that i am unaware of this debt so please send me documents which can validate the debt. I gave her my new address in XXXX and she said she will mail me the documents. 

As of today XX/XX/2019, I did not receive any Debt validation from this company. Today i received an alert from my credit monitoring service of a collection reported by this agency. When I called them the first representative, XXXX refused to give me any information and after putting me on hold disconnected my call. The second representative Miss XXXX, said that we don't have any validation document but i will have to pay them to delete the information of my credit report. 

After questioning her and mentioning that they have violated the FDCPA by not providing me any validation and negatively reporting on my credit. They have not given me a chance to dispute or resolve this matter and have impacted my credit. She transferred me to a supervisor by the name of Miss XXXX XXXX. 

Miss XXXX was not willing to cooperate and was adamant for me to pay the debt which I am unaware of. She threatened me that her company will continue the collection activity if i don't pay her. She mentioned that regardless even if this debt is not mine, they have not violated the FDCPA. This agency is using predatory practice by not providing any debt validation documents for me to verify the debt. I am unaware of this debt and they comply with my original request of providing the debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Loan servicer since XX/XX/XXXX. 
Escrow analysis of XXXX of XXXX showed a shortage, which would increased mortgage payment by {$600.00} a month. 
Inquired within the company on XX/XX/XXXX, who offered to extend the shortage payoff over additional time which brought payment increase to $ XXXX  month. 
I paid the total amount due at that time, and the amount due was not the adjusted amount. 
After submitting payment, the amount due was adjusted, I was not notified, and due to the adjusted amount, there was a {$400.00} difference. 
In XXXX, as I went to make monthly payment, the account was marked Past Due. I called again to the company, they apologized for confusion, noted my XXXX payment, and the amount due did in fact adjust after my payment. The difference amount due of {$400.00} was paid at that time and account was brought to current status. This was reported to the credit union as a delinquent account. 
My complaint is first, how does an escrow analysis show such a deficit where ones mortgage payment is increased by greater that {$600.00} a month! 
Secondly, reported delinquency to the credit union due to past due amount, although the total amount due changed after the payment was made. ( Total due on XX/XX/XXXX. After the total due was paid in full on that day online, a later day the amount increased to by {$400.00} without notice to myself with email or call to I form amount changed and should be pain in full by XX/XX/XXXX. 
I find myself extremely fustration and lacking any control. Will my mortgage increase yet again? Are they making correct analysis? They have been informed all along of the town taxes and insuramce rates. How does this happen? I am fearful, as a single mother of XXXX XXXX  children, how can a mortgage amount changed so drastically? 
Then the internal confusions of working with the company which results in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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:
There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-28 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX

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 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: NC

Complaint narrative:
Date per company:XXXX Company : US Collections West Issue : I have submitted to the company, and XXXX  a police report and an Affadavit explaining this account is fraud. Back in XXXX ( cant  temember exact date ) I was in the process of moving where I went to a public library to make copies of ids socials and other info ( paystubs etc ) for a rental application. I left the folder at a computer while using the restroom and it disappeared. All of a sudden later about 1-3 months accounts started popping up that was not opened by me. I know people may think all XXXX people look alike because they allowed this person to physically open up stuff and sign or it and everything. I explained this to the company over 5 years ago. It was also at one point removed from all of my credit reports then all of a sudden inXX/XX/XXXXthis company put it back. This company is refusing to remove it. I sent them my police report and everything. XXXX has also sent them the same info. They refuse to let me speak to a fraud specialist and they have not given me any other way to remedy this. This isnt right. And I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
A Family member stole my identity and used there medical condition to create a utility bill under my name with out my knowledge i was not a resident at the time either and i got a phone call XXXX of 2018 saying i owed XXXX i disputed it but i also no longer live in the state of said incident and want the debt removed cause it was never approved by me, The Electric company is Until Based in XXXX mass, The person whom stole my identity is XXXX XXXX XXXX my father

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: TX

Complaint narrative:
I noticed a fraudulent credit card in my name and I contacted the bank and told them I never applied and its still on my credit report ( XXXX ) and I send in some documents and I never heard back from the fraud department and I call and left a message and never heard back and I have the account number that was opened up in name and I didnt applied for this card and it has a outstanding balance of 2,000

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 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I have had issues with this company since it acquired my mortgage from XXXX. I have finally been able to find a company to refinance my mortgage with a better interest rate than I had with Rushmore Loan Management.

Through the process, I requested two payoff letters that were faxed to my loan officer within three business days after the request. The second payoff letter was requested through the date of XX/XX/XXXX. My new loan actually closed on XX/XX/XXXX. According to at least one customer service rep, a new payoff letter was requested by the title company on XX/XX/XXXX. I was told that a payoff amount {$110000.00} as of XX/XX/XXXX was faxed to my loan officer. Per  my loan officer at XXXX, that fax was not received until XX/XX/XXXX. The amount of the payment to close the loan was electronically delivered on XX/XX/XXXX was {$110000.00}. That amount was taken from the payoff date through XX/XX/XXXX. I was told my loan was not paid off and closed without the {$78.00} shortage being paid ... in addition to a charge of {$19.00} per day that it was not paid in full. I have multiple email contact, phone calls, and text messages with my loan officer at XXXX XXXX as well as emails with XXXX XXXX XXXX. 

I disagree that I am required to pay interest on the {$78.00} when my request for payoff was dated XX/XX/XXXX. The payoff letter states " It states that if the " funds received on or after date will be charged an additional {$19.00} per day. '' My loan closed XX/XX/XXXX and a new final amount request was made on XX/XX/XXXX in order to process the electronic payment. Rushmore did not know the loan would close earlier, so how could the interest start on XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is currently leaking credit reports that are supposed to be frozen. If an credit report is frozen, fraudulent actors can still obtain a copy of your credit report. This is an explicit violation of the law. 

I have hard evidence to prove this if necessary. 

TransUnion mostly dodged my inquiries - either their system is inaccurate or they lied and said they never received a credit inquiry, despite hard evidence to the contrary.

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 2019-02-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed inaccurate info on report with XXXX  and they still left info and changed the dates The dates are inaccurate shows unknown that shows dates meaning was sold and has been over 7 years so should be removed I disputed with XXXX XXXX and Wells Fargo bought by XXXX  removed it from XXXX  But not XXXX  should be removed from all 3 agencies last payment was XX/XX/XXXX not XXXX meaning 7 years need remove why only one report not all

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 2019-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
On XX/XX/XXXX I had made a purchase with my synchrony XXXX credit card, and they closed my account after the purchase saying I was inactive for too long and dropped my credit score over 100 points. Synchrony doesnt care and says they can not restore the account and that I would have to open a new one. This is highly unfair and I feel powerless as a consumer. Ive worked so hard to maintain a great credit score and this happened. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Convergent Outsourcing is reporting that I currently owe them {$1100.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX is reporting that I currently owe them {$1600.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE FARM BANK, FSB
State: MN

Complaint narrative:
in XX/XX/XXXX we refinanced our morgage from the 22years we would have had left of a 30 year morgage to a 15 year morgage and we went from 8.5 % interest to 5.5 % interest. the payoff or maturity date was XX/XX/XXXX to be paid off. this morgage is through state farm bank. XXXX XXXX  XXXX XXXX   , nj,XXXX  there phone number isXXXX XXXX XXXX XXXX. In XX/XX/XXXX we filled out an application for a loan modification but when we got the papers we decided we didnt want to mess with our morgage so we never sign them or had them notorized. I still have all the paper work they sent us not signed. but state farm went ahead and did something that added 2 years to the end of our loan. now there saying the maturity date is XX/XX/XXXX, so the added 2 years to the turm of my loan which is going to cost us almost {$30000.00} dollars. we never got any money from them for nothing. in XX/XX/XXXX we got a 2nd morgage through XXXX XXXX for XXXX to do stuff to house. i keep writing and calling and faxing with state farm and they never give me what im asking for. like i wanted our payment history going back too XX/XX/XXXX and they send me it from XX/XX/XXXX. XX/XX/XXXX they sent me a letter saying there not fixing it. a statefarm bank lady told me to go to my county taxes and get a copy of deed and if its not on there it didnt happen.well i have the deed paperwork and theres no loan mod in XX/XX/XXXX on it anywhere. please help me with this or guide me to someone that can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Tuesday, XX/XX/2019, XXXX XXXX, personal banker, put in an order on his computer to issue a {$25.00} credit to be deposited in my checking account at Bank of America, XXXX XXXX branch. I had been charged a {$25.00} maintenance fee for letting my checking balance get below the {$20000.00} required for the Preferred Rewards status. When I let the balance drop, I had assumed that I would, automatically, be dropped from that classification and enrolled in an account that didn't require a {$20000.00} balance. My assumption was wrong, and I was charged the {$25.00}. XXXX XXXX was sympathetic to my situation and ordered a {$25.00} credit for the account and then enrolled me in an account that required only a {$250.00} balance. To date, I have not received the {$25.00}. XXXX XXXX has not responded to three emails, and XXXX XXXX XXXX has not responded to a letter I sent which was dated XX/XX/XXXX. XXXX XXXX and XXXX XXXX seem uninterested in telling me why the {$25.00} transaction did not go through. I want to know why the transaction has not gone through.

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 monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  incorrectly sent my {$240.00} account balance for collection to XXXX. After contacting XXXX XXXXXXXX XXXX XXXX they agreed that the account was incorrectly sent to XXXX and XXXX out my balance ; and also informed XXXX of the same. XXXX XXXX XXXX XXXX  who was the original creditor has agreed to REMOVE and DELETE the collection account. I paid XXXX XXXXXXXX XXXX  directly and at no point have I made any payments to XXXX. XXXX has XXXX out my account but has not removed or deleted from my credit report it causing damages to my credit. Each time I call XXXX   customer service, I get completely differing answers from each representative causing me to go around in circles. I am unaware of the validity of this 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 2019-02-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has been incorrectly reporting the balance of a prior loan on my credit report. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, s a violation of FDCPA. Also, they translated that misinformation to a 1099-C. I have contacted them via phone several times but was placed on extended hold times and unable to reach a representative about correcting that issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation