vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX XXXX XXXX XXXX   Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXX  OFFLEASE ON 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I checked my credit history with all 3 major credit reporting agencies, Trans Union, XXXX  and XXXX  all have my name spelled in different ways as if I have an alias. My name has always been the same. When I got married, I did not change my name, therefore, I saw no reason to think that I would have to make sure my name is spelled correctly on my credit report. I have been divorced for approx. 10 years and like I said, I did not ever change my name.

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I signed a listing agreement with XXXX XXXX XXXX group on XX/XX/XXXX. FOR $ XXXX after a careful study of comparables on most recent sales in the area. XXXX XXXX XXXX XXXX XXXX  thru XXXX XXXX XXXX XXXX conditionally pre-approved me for short sale for 120 days sale.Almost immediately offers were presented one with all cash full price and two more of 20 % downpayment with approved loan ready to fund. The buyers waited a minimum of 4 months for the bank to make their decision. To my disappointment, none of these offers were accepted by the bank. I was asked to list the property for $ XXXX which none of the comparables match this price. In XX/XX/XXXX the servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. The bank pre-approved me a conditional approval to short sale on XX/XX/XXXX. On XX/XX/XXXX an offer of $ XXXX was submitted to the bank.The latest appraisal is below $ XXXX. To this time, the bank continously and abusively delay their decision to accept an offer. Meantime, I have sent them several hardship letters and communications regarding financial and emotional difficulties that me and my family have been through. Then, the Corona Virus Pandemic lockdown occurred. I got laid off from my job at the school. I am financially struggling to pay my bills and maintain the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have collection for ability recover services and i have no knowledge of this account and they wont help me take it off they are very unprofessional they called me kiddo i just want this taken off

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2020-05-26 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from Bank of America with an authorization code that I didnt request since I didnt request it I got worried and went online to check my account I noticed a Transfer done through XXXX Of {$3400.00} I immediately called my husband to see if he had lost his card he said he had his card with him So I started to call the bank XXXX I was calling the bank I was still online and saw another transaction made of {$1600.00} The wait time to talk to a representative was too long and they said they were gon na call me back when he was my turn I called my husband again to let him know what was going on then I continue to call the bank until I was able to reach them made a Claim and also I made a police report right the next day which was the XXXX that same day I also called XXXX to let them know what was happening and they sold me the XXXX app XXXX business days later I called the bank and they had rejected my claim because they say all the transactions were made through my phone which its impossible because I have the phone with me Also XXXX gave me the call log for that day which show a lot of calls to the bank before I got the authorization code those calls were not made by me and also after I receive the three station code there are a lot of calls missing from the catalog like the ones I made some with my husband and the bank which I have proves with a picture of my XXXX recent call log that I did make also on my Husband call log theyre there right before I got the call with the authorization code there shows a call for 55 minutes that started at XXXX XXXX which is impossible that I have done because I was talking to my sister at that time I also have proofs of me talking to my sister for 20 minutes so that call is impossible for me to have done on the XXXXOf me I received an email from XXXX saying my Sim card has been removed I have tried many times to contact XXXX and they say they dont know how all of this happened They say its probably a glitch or they dont know how somebody else took over my phone I requested Bank of America To reconsider my claim and I also sent them all the proofs that I have that someone has been getting into my phone also I sent them the police report and I havent heard back from themI did a little research online and saw theres a lot of people complaining of the same thing happening to them so I dont understand why Bank of America isnt backing us up

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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
I am XXXX in the Residential Mortgage Business and my income has been severely impacted via the COVID-19 Pandemic. for example, I had 3 applicants that went under contract to buy a home and they were laid off from their job on XX/XX/XXXX. I do not get paid unless I close a loan. 
I have been a XXXX XXXX customer with XXXX for 10 years. I currently lease a XXXX XXXX. I requested an extension/forgiveness and they agreed to extend 2 months of payments which is added on to the lease term. However, they charged me $ {$220.00} Extension fee that was due after the two months had passed. XXXX XXXX added XXXX & XXXX month terms onto my lease term expiring in XXXX. AND XXXX charged 2 months of late fees ( {$10.00} per month XXXX. 
I was charged the fee on XX/XX/XXXX of {$240.00} and my payment of {$370.00} due XX/XX/XXXX for a total of {$620.00}. See attachment. 
I don't believe that thru these difficult times, there should be excess fees. I have asked XXXX XXXX as a ONE time ( since not likely to have another Pandemic ) courtesy which they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
Recently my pay has been reduced by about 35 % because of the pandemic freedom debt relief agreed to work with me verbally, then would go back on their verbal agreement and make an auto withdraw from my checking acct causing an insufficient balance charge of XXXX. They did this repeatedly, they would tell me their records did not indicate me making arrangements, with them. But the only way they would acknowledge any changes to my scheduled payment to them was via phone calls. I would even email them and do live chats, I was always advised to make a phone call. When I would confront them and tell them I made the call to make a change in their withdrawal, they would tell me their records did not indicate a change. It has resulted in hundreds of dollars in additional fees from my bank. After paying them for 7 months they are only showing that I deposited XXXX but I have actually paid them XXXX, I inquired about this and was told I had to pay them before I could begin negotiation with my creditors to settle my debt. I need out of their program, now they are telling me I will be in breach of my contract, and they still have their hand in my checking acct, I need for them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit 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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I called last week to follow up on if the original account holder would agree to a lesser amount. The agent said they will settle for {$620.00} to be paid in full. They are not refusing payment on that agreement amount. I recorded the conversation where another agent said the person I talked took " lied '' about the amount. I can email if you like but it is too big to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I fell behind in my mortgage payment s and I went into default I was told I didn't qualify for modification. So I was sent a letter from OCWEN/PHH Serviceing company telling me that they had referred me to an attorney to start the foreclosure process. I recieved that letter and I responded with a sworn affidavit asking them specific questions because I started getting letters from different named companies asking me to send my payment to different locations. So I started doing some research of my own about who was OCWEN and now PHH and what I found out was HORRIBLE To say the least. OCWEN has been KICKED OUT of at least 32 states where they can no longer conduct business because of their  illegal practices. I found out that my original lender BUNDLED up my mortgage with others and securitized my loan separating the Note from the mortgage which both are illegal do to the truth and lending act they also never gave me full disclosure on what their real intentions were and they turned my promissory note into a security instrument with my knowledge. So I sent all of them a sworn affidavit asking them if they breached my contract or did they follow the the law and the rules and regulations of GAP General Accounting Principles and Practices. And none of them have answered nor did they sign the sworn affidavit saying they did in fact follow the law. So they scheduled a foreclosure sale for XX/XX/2019 and sent a attempt to COLLECT a debt letter and I responded with the same affidavit that I had previously sent to OCWEN/PHH and XXXX XXXX  and now I am sending it to their attorney and in a matter of a few weeks I got a letter back from their attorney saying that the loan and property foreclosure sale has been canceled for XX/XX/2019. And now 7 months later they are trying it again. I am furious because they have no legal standing what's so ever and cant produce any original documents including my original note. They claim that they only canceled the debt for XX/XX/XXXX was because I was in bankruptcy and that is a complete lie. They canceled the debt on XX/XX/2019 and I filed for bankruptcy 4 days later so that is a serious lie. I have all of my documents to prove they have no standing and they are committing fraud because Georgia is a Non Judicial State as it relates to foreclosure and these Serviceing companies are getting away with pure unadulterated THEFT. And it appears these attorney s and judge z are complicit in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent a cease and desist letter to XXXX XXXX XXXX on XX/XX/2020 regarding multiple accounts but they continue to call even after receiving the cease and desist letter which was returned to me signed by XXXX XXXX and dated XX/XX/2020. The calls initially stopped but then started again with one being received on Monday, XX/XX/2020, at XXXX XXXX and then on Tuesday, XX/XX/2020 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Collection account showed up on my credit unbeknownst to me. It was a XXXX XXXX account originally. The day it popped up I called and spoke with a supervisor and he told me if I paid it today then he would delete it. I asked him to validate the debt by sending me something showing the missed payments because I was on automatic debit with the company. He said he couldnt provide that and I would need to dispute but he discouraged me from disputing. I told him I would reach out to them directly to validate and that was to no avail. So the very next day I called to speak to same supervisor and paid settlement of 70 % of the debt and he then told me he wouldnt honor my deletion. This is bad business. He outright lied. He said he would delete as a 1 time courtesy since I had no knowledge of the debt still being owed and he lied about that. This cost me quit a bit of point while in the middle of escrow. I had no choice but to pay before I could even validate because of time constraints on buying a home and they still didnt remove it from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts LLC is attempting to collect a debt from a fraudulent company, XXXX XXXX XXXXXXXX XXXX XXXX. Capital Accounts LLC refuses to acknowledge this company as fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX is requesting the following through Capital Accounts : XX/XX/2020 XXXX $ debt {$500.00} interest XX/XX/2020 {$14.00} interest I have not been to a place called " XXXX XXXX XXXX XXXX XXXX '' I have been to a place called XXXX XXXX XXXX XXXX. I have also received balances of XXXX on both an invoice and an itemized list. 

Capital Accounts LLC refuses to recognize the legitimate company and is aiding XXXX XXXX XXXX XXXX XXXXXXXX in fraud. 

Capital Accounts LLC refuses to provide contact information for XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If they are a legitimate company, how are they not able to provide the contact information? 

Capital Accounts LLC Supervisor said they have contact information with someone from XXXX XXXX XXXX XXXX  XXXX but will not provide it. 

Capital Accounts LLC refuses to recognize the XXXX balance from the legitimate company " XXXX XXXX XXXX XXXX '' Capital Accounts LCC refuses to recognize that XXXX XXXX XXXXXXXX XXXX  XXXX does not exist as a company and you can not even XXXX it. 

XXXX results shows there is no such business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX billing has told me I owe nothing. 
Under Texas workmans comp law I would have never been charged. 

Everything points that XXXX XXXX XXXX XXXX  XXXX is fraud, and Capital Accounts is not recognizing them as fraud because they are liking financially involved. 

There are people being scammed by both XXXX XXXX XXXX XXXX XXXXXXXX and Captial Accounts, and both of them need to be stopped. 

I am reporting both of these companies to any fraud related organization I can.

Company response to consumer: Closed with explanation