vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have disputed this account with credit bureaus as the balance is incorrect. I provided the statement to the credit bureau showing the end balance with a date of XX/XX/XXXX. The company in turn sent by mail the exact statement with the correct balance, but they are not reporting the CORRECT end balance. I received correspondence in the mail from the company dated XX/XX/XXXX " While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy. '' Which leads me to believe this information was never actually verified. 

The previous complaint did not address my issues. According to the statement that you sent you are still reporting an incorrect balance. I see a balance on XX/XX/XXXX that is lower than the balance that you are reporting. Besides that point the balance would still be incorrect as the deposit that I paid to the apartment when I moved in is not showing on the move out statement to reduce the balance. Which I pointed out to the previous collection agency and they never responded and removed the account from my credit report. You DO NOT have proper verification of the account nor the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
Contacted all three credit bureaus about XXXX XXXX XXXX adding an old debt back onto my credit report as a new debt. XXXX  was the only one to remove this debt due to this company not contacting me through phone, email or mail, and adding an old debt to my credit report like its new, which violates the FCRA. I have contacted the other two credit bureau and they will not remove this debt that violates FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The bank is charging me a fee of {$35.00} in error due to processing. On XX/XX/2020 I had a balance of {$14.00}. A ach from an investment company for {$5.00} was pending which brought my balance to {$9.00}. On XX/XX/XXXX I used my card at the pump and used $ XXXX this amount is processing. My account was negative by {$8.00}. On XX/XX/XXXX early am I transferred {$10.00} from another checking account that I have with the bank. This amount is still processing as well. The bank charged me {$35.00} for the {$5.00} ACH transaction stating that the {$17.00} was paid even though it is still processing. The {$5.00} is now showing on my transaction history. I do understand that the bank has no control how what gets posted first but the ACH transaction has been pending since XX/XX/XXXX and the gas transaction pending since XX/XX/XXXX. At this point the bank is trying to collect {$35.00} due to the current pandemic. They couldn't return the gas so they instead returned the last transaction to hit my account which is the ACH transaction for {$5.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Theres a collection account in my XXXX credit report, recently uploaded around XX/XX/XXXX. Pertaining to RCS/ XXXX XXXX . In an attempt to collect {$2500.00}, that I had already paid in a contract with XXXX XXXX XXXX, the same contract was defaulted when XXXX XXXX sent back {$200.00} of payment to the company that brokered my payments with ( XXXX XXXX XXXX XXXX acc : # XXXX ). There was only {$100.00} left to pay to comply with the contract if they hadnt done that mistake. 
The collection account was previously reported in my XXXX credit report, after disputes and disputes of talking to this company and the other and credit reporting agencies and hiring credit repairing company to help me remove it with no results, I spent more than the amount owed in repairs. Finally I receive a letter from Resurgent, that the account had been closed in XX/XX/XXXX ; deleted from my XXXX credit report, but pasted and copied to my XXXX credit report to continue with their scam of stealing the fruit of my efforts. The report from RCS/XXXX XXXX on my XXXX   credit report is deceptive with claims that the account has been reported since XX/XX/XXXX when in fact they reinserted the info from my XXXX credit report around XX/XX/XXXX. I made payments in a settlement with XXXX XXXX of {$1500.00} on XX/XX/XXXX. PAYMENTS : XXXX {$700.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$200.00}, already {$1400.00} paid to the settlement.On XXXX, {$200.00} was reversed to my XXXX XXXX savings account. I called XXXX XXXX to ask them why they returned the payment, they said that the payment reflected but then that the payment bounced because of no suffIcient funds. But that was a lie, because I saw the payment report to my XXXX XXXX account in my XXXX report, and later I noticed that they were only allowed to withdraw {$100.00} that month like the rest of the payments till the end, but they took out {$200.00} that XXXX, and wanted to return the money, making a default on my settlement contract, which says in the Terms that there may not be any alterations to my monthly payments until its completion or the results will be nulling and voiding the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
On XX/XX/2020, I discovered that there was a fraudulent account on my personal credit report and I contacted the below credit bureaus to correct it with zero response. 
I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX  and Trans Union via certified mail with tracking numbers which cost me approximately {$73.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX. On XX/XX/2020 I received confirmation that each bureau had received the certified letters and I know the FCRA allows 30 days from when it was received to process and/or delete the fraudulent items. 

I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. 

The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. It is now 33 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$100.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

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 2020-05-19 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: CT

Complaint narrative:
I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX There is a error account from FCRA 609, 611, 623, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX. 
Chapter XXXX bankruptcy discharged.

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 2020-05-19 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: MO

Complaint narrative:
I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I received a letter from XXXX after disputing 2 inquires. XXXX stated I gave verbal authorization through a mortgage transaction which was false. So i contacted XXXX.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. XXXX told me it was XXXX XXXX XXXX   and i should contact them. XXXX told me it was Eagle Home Mortgage. Eagle home mortgage told me it was XXXX XXXX XXXX. I contacted Lennar customer service as instructed. I was then told by customer service that they have no ideal what to do about it.

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 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc.
State: DE

Complaint narrative:
Tesla has been charging my solar energy equipment lease account a {$7.00} monthly non-ACH auto pay fee since XX/XX/XXXX to XX/XX/XXXX even when I have a {$900.00} credit balance sitting on my account. I paid a total of {$52.00} in non-ACH fee in total without any payment services performed by Tesla. I earned no interest on the {$900.00} credit balance and the balance was more than sufficient to cover monthly payment of {$52.00}. I have no idea where this non-ACH fee came from and try to contact Tesla for assistance. Customer service rep responded via email stating I need to setup auto pay to remove the {$7.00} non ach fee each month. I don't understand this requirement as the credit balance on my account was more than sufficient to cover monthly payments for about 18 months. Tesla does not have to process ACH payment ( or non-ACH ) each month due to the large credit balance on account.

Tesla is padding erroneous fee on solar equipment lease agreement to take advantage of consumers not reading their monthly billing statements which is only available online not via paper statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I called Kia motors Inc. financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly

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 2020-05-19 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. Why is Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %? 

I write a Complaint, and the Complaint is not giving me the Mortgage Code Statutes supporting this FRAUD of a Predatory Loan. 

2 Questions : Where is the Code Statutes SPS and XXXX XXXX are using to support their 7 % Predatory Loan Rate of 7 %?? 

Why is the 7 % Rate NOT being reduced to 3-4 %????.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 upon checking my account regarding my stimulus payment I discovered several fraudulent charges dating back to XX/XX/2020 with the last one on XX/XX/2020. The fraudulent charges totaled {$2100.00}. All of the charges were made with merchants in foreign countries, some even stating that they were in store purchases. I have never traveled to any of these countries & especially not during this pandemic! I immediately disputed the charges, requested a replacement card, & updated all of my account security information! The customer service representative that assisted me failed to document the correct charges to dispute & only disputed a fraction of them! I submitted all requested documentation along with verification that a police report has been filed! I have spent several hours over the phone with them on different occasions & was just told to wait the 10 business days for a provisional credit! I then received today, XX/XX/2020, an email from them indicating that my dispute claim has been denied and that they will not be refunding me my money! Some of the transactions totaling {$500.00} were refunded & placed back in my account! However, {$1600.00} is still gone! This is absurd, the transactions are blatantly fraudulent! I am a single mother of XXXX small children whom is unable to work at this time & desperately needed my money! 

On XX/XX/2020 I received a response from American Express Serve after submitting an initial complaint with CFPB & XXXX  regarding this matter! Amex serve indicated that they would re-review the dispute & requested that I once again upload a fraud acknowledgment form! I provided all requested information for a second time & waited the 10 business days again, only to receive an email from Amex on XX/XX/2020 stating that my dispute was denied! I dont know what else to do other than to seek legal counsel & advice with filing a civil suit to recoup my money! The charges are blatantly fraudulent, as it was impossible for me to be using my card in a foreign country while Im at home in California, US & I do not even possess a passport to travel outside of the US! I need my money returned! Im baffled that during these trying times with the pandemic that this bank can be so calloused & degenerative in regards to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Yesterday, XX/XX/XXXX, my son told me a friend of his sent him funds through Cash App. It is an app he is familiar with and uses all the time. He could not get the funds off the app this time and asked me to help. I couldn't figure it out so he looked up the number for Cash App and called it XXXX and spoke to XXXX XXXX. First, he was quite rude and it was hard to hear. But had us download another app that would help remove the funds to our bank account. I felt as though I was setting up something so I went along with it until I noticed the app was recording my screen so he saw my log in and password to my bank app. Now, my son still does not have his {$200.00} and another {$210.00} is coming out of my account from Cash app to a person I don't even know. I did not authorize this and there is no way to stop the transaction. I never use Cash app and my son does not have access to my account. He also does not know the person who the {$210.00} is going to. I tried calling the same number today, several times, now it says it is disconnected. There is no one to talk to at Cash app. I am filing a fraud claim with my bank, but this Cash App is definitely not a legit company.

Company response to consumer: Closed with explanation