vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Dear Sir, or Madame, I had bought three money orders from Western Union to pay to our landlord for rent. They were bought XX/XX/2019 Money orders totaled {$1500.00} all in one envelope was stolen.

I contacted Western Union. They charged me {$45.00} to send copies which verified they were forged and cashed by unknown person.

I had been contacting Western Union since XX/XX/2019, but I am always being hang up on when trying to speak to higher up or supervisor.

I had sent my police reports and explanation via fax and certified mail to Western Union several times. However, I never received any response. Today they told me that Western Union does not have any office to investigate and that they are sorry. I am in shock how a big company as Western Union is so ignorant. Please help me out! {$1500.00} is a lot of money for me and I am victimized by Western Union. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC.
State: FL

Complaint narrative:
I am having a problem with a collection agency trying to collect on an account which has been disputed by myself repeatedly, and which the company refuses to address. I have asked for documentation under FDCPA guidelines and verification in compliance with the Fair Credit Reporting Act. Documentation in tangible format, which is not a bill from a collection agency. 
Numerous times I have asked for them to assist me and have received nothing by way of communications. 

I have no knowledge of the debt as I never took part in any medical rehabilitation services. It is my belief that the company is trying to collect a fraudulent medical debt attributed to me in error. Communication attempts on my behalf have been met with a stonewall approach, where the debt is not verified/validated and no answers are forthcoming. 

I am asking the CFPB to help mediate this matter with the collection agency as I feel that not only is this an attempt to collect a debt not owed, but flagrant abuse of my rights under the FCCA.

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 2019-12-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchases a couch from Raymor & Flanagan using an in store credit application. I did not receive any mail for monthly payments due, and in turn was late on a minimum payment of XXXX . Once realized i was late, i paid the entire balance of $ 700+ In one lump sum. I tried contacting the company to explain the situation, they said the marks would be removed if i paid the balance in full. It has NOT been removed. I have had impeccable credit my entire life, meaning i have NEVER been late on a payment ever before. Not once! And now this late mark on my credit score is ruining future possibilities on obtaining credit.

I believe a credit score should reflect the consumers ability to pay, i have had multiple mortgages and car loans and credit cars that ive never been late on, and now this XXXX $ late fee is ruining my credit experience

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Originally was misinformed, deceived, not made aware of how my Mortgage was going to constructed from the beginning. Currently no communication ability with the current Mortgage company XXXX XXXX/Shellpoint. XX/XX/XXXX wasn't made aware of Presidential disaster relief. 
Victim of XXXX XXXX  company forbearance scam. 
Now I haven't a lawyer group forclosuring on my property with my signature on documents I didn't sign. 
Need help with the stop of forclosure XX/XX/XXXX house goes on auction and My XXXX kids, ( XXXX, ) and XXXX Veteran, father and myself are XXXX. I also have equitable interest in the sercurities on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My loan with Suntrust has been paid in full for over a year. A month ago, Suntrust reported to XXXX   credit bureau that I filed bankruptcy. I have not filed bankruptcy and this erroneous report has caused by credit score to drop 42 points.

This is not the first incident with incorrect, fraudulent activity on my account by Suntrust. Suntrust continues to use someone else 's information and social security number and associate them with my account. I've spent countless hours informing Suntrust of their errors, but they never take ownership, they point fingers, and the harassment continues.

The bankruptcy reported by Suntrust needs to be taken off my credit report. My account is paid in full and closed. Suntrust is not permitted to place any updates to my satisfied account. This is fraudulent and done without my knowledge, and consent. It is identify theft from a company who is suppose to protect the accounts, and personal information of their consumers.

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 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have set up the auto pay two months in a row and it is not taking the payment either month I am sick and tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
id theft. new inquiries are not mine as folllows XXXX equifax mtg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
id theft. new inquiries are not mine as folllows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are a few Inquiries on my credit report that I did not authorized, I do not know how these inquiries ended up showing on my credit report. The first inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019, the next inquiry is from XXXX XXXX XXXX with an inquiry date of XX/XX/2019, the third inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019, and the fourth inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019. Delete these inquiries because there is no permisible purpose and if there is I would like for Experian to provide me with it, according to the FCRA my signature is needed in order for my credit to be pulled.

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 2019-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
To whom it may concern : It is a very long time of the modification issue for the second mortgage or HELOC, from XXXX XXXX during 7 years. I submitted to request the modification for this HELOC, after the first loan modification successfully.

The Services tried to ignore my loan modification for 6-year long, one of the technique that Specialize Loan Servicing LLC used to treat my loan modification that they sent/replied/requested ... mail to me per using somebody else address where I never receive during/about 6-year length. SLS used it to blame on me, not to cooperate with the Services. SLS used this as an excuse during the years of underwater or/and the property has no market value in those years. The property market value has increased up more than 40 percent then SLS went back and enforced the property in Foreclosure Process that SLS shall collect more money. 
I just wondered why my loan modification all replied letters from SLS has been sending to wrong address where I never used it and I never provided it to SLS???

Secondly, SLS took that long of 6 plus years to review my loan modification?

It now took only 6 months for them to deny and push in Foreclosure? 
Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I still can not access my credit file. I have tried calling but the customer service personnel is inept and does not understand that I am trying to access my credit file. I keep being told that the information is incorrect but I have no clue what information they have. I am trying to dispute information but they will not allow me to submit the dispute. This is the 4th complaint in the last 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My ex husband and I were talked into filing a Chapter XXXX Bankruptcy jointly, knowing we were divorcing. The debt belonged to my exhusband, I didnt even owe XXXX. 

I need this public Chapter XXXX removed from my account for several reasons. 
1. The bankruptcy reporting on all credit bureaus for the Bankruptcy is wrong 2. The courts said that the credit bureaus could remove it from my credit report, as did the bankruptcy lawyers.

3. I asked for the validation from the courts, and they didnt verify.

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 2019-12-03 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: AZ

Complaint narrative:
In XX/XX/2019, I was double-charged {$110.00} for the annual renewal for my XXXX XXXX XXXX. I filed a " Disputed Charge '' with Bank of America ( my credit card provider ), but they refused to refund the {$110.00} to me. In addition to that, BOA added a {$25.00} " Service Fee '', and because I refuse to pay this negligent charge, they have added {$25.00} to my credit card bill every month. I received a letter from a XXXX XXXX from BOA ( her number is XXXX x XXXX ) telling me that she will review the matter. I have tried calling her at BOA to resolve this, but she does not answer her phone, nor did she return my many voice messages. It is obvious that BOA has no real desire to handle this issue, nor do they have any real concern for customer service. I have tried to get the XXXX  involved, but their authority is very limited. Therefore, I am seeking assistance from you in the hopes that BOA will respond in an ethical manner.

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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a XXXX  XXXX  commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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. 
1. XXXX XXXX XXXX with ACCT # XXXX XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Service Bureau of Niles, Inc
State: NC

Complaint narrative:
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding referenced file agency number XXXX that part, or all, of the alleged debt is DISPUTED as embezzlement, theft by deception and extortion failing to discharge all debts pursuant to 73rd Congress 1. CHS 46-49 June 5th, 6th 1933. House Joint Resolution 192 Bankruptcy Act of 1933 strictly prohibits the commencement or continuation of any acts to collect on a debt under the Automatic Stay Provision. H.R. 1491 to provide relief in the existing national emergency bankruptcy act. Public Law 1,48 Stat 1, Public Law 10 Chapter 48 Stat 112, Public Law 73-10 40 Stat 411, Trading with the Enemy Act of October 6th, 1917 1917

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been sick from a XXXX  XXXX  and found it hard to work I need financial assistance my parents won't help me also no one help me I have been u employed for last 6 yrs just recently found a job at XXXX and the workers treated me in they harassed 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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a dark colored commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.

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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
During XXXX I called sequium to settle a time barred debt I have with XXXX. Excepted a settlement offer. When payments did not come out of my account as promised, I called sequium and was told payments failed. I have no idea why, because the money was in my account. The rep spoke with claimed my settlement offer. Supervisor XXXX XXXX magically found the offer in the payment system. Made payments with her. I asked why the settlement offer was not showing on my account on the website. She said that something I need to do on my end Today ( XX/XX/XXXX, information was still not visible on my account. I called and AGAIN representative tried to collect Full amount of the debt. Supervisor XXXX   informed me that I would not get information about the settlement until ALL PAYMENTS WERE MADE. I called back and was informed by another supervisor that I should contact the compliance department through email. However, he could make no promises about any documentation. 

I am applying to take the XXXX XXXX XXXX  in Texas. I am required to provide information to the character and fitness committee, showing that I am making satisfactory arrangements on my debts. 
Believe I am entitled to this information. I have gotten this information from other creditors. I have no idea why I am having to jump through these hoops.

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