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

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO TRANS UNION TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.I DON ; T HAVE ANY INFORMATION ON THE FRAUDULENT ACCOUNT ACCEPT THAT ITS REPORTING ON MY CREDIT REPORT. I HAVE NO IDEA WHO MIGHT HAVE OPENED THIS FRAUDULENT ACCOUNT, OR HOW THEY GOT ALL MY INFORMATION. SOMEONE STOLE MY PERSONAL INFORMATION AND PRETENDED TO BE. THE CHARGES AND THE ACCOUNT IS FRAUDULENT.

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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is DEBT RECOVERY SOLUTIONS # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
New rez bought my loan back in XXXX or XXXX. My payment WAS XXXX and I had just refinanced the year prior so I know all the numbers were correct. Newrez didn't have my loan but maybe 2 months before they raised my payments by almost 90 a month. They first told me we had an increase in taxes. ( I am the # XXXX XXXX XXXX XXXX and XXXX XXXX in my community so I knew that was untrue ) the second call they told me that the escrow department REFUSED to look into it. They are holding almost 1500 MORE than my taxes and insurnace is. I plannned on refinancing but now I have to wait until we are back to work. Then they send me a letter stating they put us in forbearance. We didn't ask for that. Being in the industry i would never ask for that. I know how misleading and damaging that is to someone credit. I requested a call back 3 times ( still haven't heard anything ) on why they did anything with our loan. I just logged on to pay my XXXX mortgage and once again they raised it by another XXXX dollars. They are already holding an extra XXXX dollars. My taxes are about XXXX ( and that is guessing high ) my insurnace is XXXX ... they are holding XXXX a month. Over 6500 a year. This is uncalled for and I believe an abuse of power. I have sent my mortgage info in to the XXXX, state attorney General, you ( now for the 2nd time ) and several mortgage brokers i do business with and all.of them have said this is NOT they way mortgages are to be calculated. Not one. 

This is my second time filing this complaint and the company did nothing but make excuses the first time. What they are doing is wrong and unethical. I have spoke over 50 shell point customers in my area and not one had good things to say. Not one. 

I am looking for the consumer finance department to please help me before I am forced to hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Purchased hotel room from XXXX. XXXX has ceased operations and there is no way to get in contact with them. I sent cancellation email XX/XX/XXXX for hotel room before the cancellation period ended. XXXX intentionally did not respond back to me until a week later when my cancellation period was over. XXXX has no number and does not respond to emails. Citibank requires i show proof of cancellation but XXXX never responded back to my cancellation email before XX/XX/XXXX. XXXX never paid the hotel and the hotel itself does not have my money. XXXX kept my money and decided to cease operations. Citibank closed my dispute and it stating to contact XXXX for a refund. How will I be able to contact a company that has ceased operations and has scammed thousands of people for money. There was no way to cancel the hotel room for XXXX from a website and their phone number no one ever picked up and now their contact information is useless as they have ceased operations. This is fraud. The company is a fraud and citibank is allowing this to happen. I tried cancelling my booking before XX/XX/XXXX and no one ever responded until after the cancellation period ended. XXXX are scam artists and now I need to pay back something for which I never received nor ever used. The hotels have even confirmed never receiving money and cancelling hotel rooms due to Covid19. How can I get a confirmation email if they never offered online cancellation through a website or ever respond back to my email. THIS COMPANY CEASED OPERATIONS. WHAT PART OF THEY CEASED OPERATIONS DO YOU NOT UNDERSTAND CITIBANK. THANKS FOR THROWING A CUSTOMER OUT THE WINDOW AND ALLOWING ANOTHER COMPANY TO COMPLETELY SCAM ME AND SO MANY OTHER PEOPLE.

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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
Your fields do not have enough options to adequately start this process. 
RevMD Partners has been showing a {$200.00} debt with high impact on my credit report. I sent them a check for {$200.00} on XX/XX/2020. It cleared my bank account on XX/XX/2020. It is not showing paid on my credit report. Calls are met with a generic answering message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Army and Air Force Exchange Service
State: AR

Complaint narrative:
I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called Military Star Card ( AAFES ) and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX  time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX ( XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX time and time again. TransUnion is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.

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 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of IDENINITY THEFT FTC case XXXX reported to XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Experian Report # XXXX XXXX account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX XXXX CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH XXXX. See attatched XX/XX/XXXX XXXX XXXX DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH 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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
On XX/XX/2020, I noticed a collection account from SUNRISE CREDIT SERVICES listed with the three major credit reporting bureau ( XXXX, XXXX , & XXXX ) with an opening date of XX/XX/2020 in the amount of {$3900.00}. This company never once followed the FCRA by contacting myself to verify the legitimacy of this debit. If in fact I was given the opportunity, the listed company would have been informed I have no knowledge of conducting business with this company nor a binding agreement of any debt owed directly and/or indirectly to 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 2020-05-05 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: Ocwen Financial Corporation
State: VT

Complaint narrative:
In XXXX my husband and I set up a forbearance plan with PHH Mortgage company. they stated that they would not report during these months to the credit bureaus. Last week, both my husband and I received an alert from the credit agencies that our scores dropped 17 points due to PHH mortgage company reporting that our account with them was in forbearance. A remark in our minds is STILL reporting as it had a huge affect on our scores. They first added the remark, Affected by natural disaster, deleted it and added, account in forbearance. What course of action can we take to make them fix this! 

XXXX XXXX XXXX XXXX XXXX XXXX, VT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
I spoke with XXXX XXXX with Freedom Financial on XX/XX/XXXX regarding a settlement that was offered on my account. It was agreed that the settlement would be for {$7500.00} paid in two installments and the dates were XX/XX/XXXX and XX/XX/XXXX. It was explained to me once the final payment had cleared I would receive a letter stating that it is settled and my credit report would be updated. Since XX/XX/XXXX I have been trying to reach out to them but have been getting the run around and sent to voicemail and no return calls. My account does not reflect the payments and a few representatives I did speak to said they see the notes about my settlement and it should be settled shortly, but when I call back days later no one seems to be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
To whom it may concern, I submitted a request to FedLoan Servicing to update the number of qualifying payments I have made towards my public service forgiveness program. They keep denying my request to update despite me having provided the required information. ( see attached documents which clearly lists my employers name and address, the fact that I am still employed at the organization and the date the document was signed by my HR department ). Additionally, the first letter that I received from FedLoans stated I was only missing the name of the institution. After this information was added and the document was resubmitted suddenly more information was missing from the exact same document I had initially submitted. This does not make sense. I had to file a complaints last year to get my number of qualifying payments updated. This company does not want to provide their customers with something as simple as providing the accurate number of payments an individual has made towards a forgiveness program. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-05-05 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-05-05 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: PA

Complaint narrative:
there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX I enter into a Trial for 2 products with the Merchant XXXX XXXX XXXX for which I paid {$4.00} and {$5.00}, respectively as shown on Credit card statement and for which i never received an email confirmation or receipt. The product was shipped on XX/XX/XXXX and arrived the first week of XX/XX/XXXX. 

Since i did not like the product neither received any confirmation of my Trial I thought there was no Trial. 
On XX/XX/XXXX appears on my credit card a second order with two additional charges for two more products {$88.00} and {$89.00} respectively from XXXX XXXX XXXX each dated XX/XX/XXXX. The same day I called Barclays, my credit card company and customer service instructed me to call the Merchant but still opened a dispute closed the current card and open a new one. 
I called the Merchant, canceled the shipping, the Trial and ask for a refund for the charges. I was told not to worry i will have to wait 10 days for my refund. To this date XXXX XXXX this refund was never issued. 

On XX/XX/XXXX, I received a letter from my Credit Card Company ( XXXX ) dated XX/XX/XXXX stating that they investigated and concluded " ... The merchant provided shipping details that shows the merchandise was shipped and delivered ... '' The documents show the order on XX/XX/XXXX and a shipping on XX/XX/XXXX Which means the order made on XX/XX/XXXX was shipped on XX/XX/XXXX, therefore they accepted the charges. ( they did not look at the dates and year discrepancy. Its impossible to ship an order that is not even made yet ). 

On XXXX XXXX I disputed the investigation and sent a letter explaining the facts and making note that the order was not the same and the Merchant was referring to the First Trial order I made, not the second order which I canceled before the product was shipped. 
I spoke with XXXX on customer service from Barclays and explained the mistake on the dates and he opened the dispute again understanding that I was right. A shipping date appears to be before the order was made. 

On XX/XX/XXXX I received a letter from Barclays saying that after a further review they are not able to assist me on this credit due to " Services were rendered and the merchant is due payment '' which is not true since i never received the Merchandise and the Merchant XXXX XXXX XXXX  can not provide proof of shipping of this second order because it was never shipped and/or received. 

I have been trying to contact either Barclays Credit Card and XXXX XXXX XXXX with no success after 1 hour on hold with both.

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 2020-05-05 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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