vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}.

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. 

-- AUTO ACCOUNT 1. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
I went to XXXX XXXX  to have XXXX  work done on XX/XX/2018. They had me wait for the doctors approval and the insurance to be approved. I know this because I was waiting in the procedure room ( not the waiting room ) and the doctor came in numerous times to inform me they were still waiting for the approval. This took approximately 90 minutes. The XXXX  work was performed and I left the establishment. Weeks later I received a {$810.00} bill for the XXXX  work that was performed. I immediately called my insurance company and XXXX XXXX. My insurance company informed me that they did not ok the procedure and do not except XXXX XXXX bills. XXXX XXXX  informed me that since my insurance did not cover the procedure I was responsible for the bill. I have written numerous letters explaining my situation to both XXXX, my insurance company and the collection agency with no response except from my insurance agency which told me XXXX should have never excepted my insurance. 
This sounds like entrapment or fraud or both. Why would they make me wait 90 minutes to get the approval of my doctor and my insurance company then turn around and have it denied? Why would I be responsible for their mistake by excepting my insurance? This bill is now in the hands of CCS ( Credit Collect Services ) and has effected my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have already disputed the illegitimacy of this debt with credit bureaus successfully, twice. After the first successful dispute in XX/XX/XXXX, Credence Resource Management passed my account off to a company called XXXX XXXX in the summer of XXXX. After another successful dispute in XX/XX/XXXX, Credence Resource Management is back to contacting me trying to collect on an amount that I do not owe. My accounts with XXXX are settled and their billing after my cancelation included multiple duplicate charges that are fraudulent. All of this has been explained to Credence Resource Management, Receivables Performance, and credit bureaus ( XXXX, XXXX, XXXX  ). 

Credence Resource Management now says if I pay them the amount that I do not owe they will consider the account closed and not report it again ( for a third time after two successful disputes ... ). Credence Resource Management says if I do not pay them within 30 days ( as of XX/XX/XXXX ), then they will go back to reporting this illegitimate debt to credit agencies again despite two successful disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: HI

Complaint narrative:
I keep receiving calls from Access Receivables Management in regards to a cable bill debt that is not mine. I have tried talking to them but they do not seem to want to hear it nor will they remove me from their robocall list. 
The acct # they are after XXXX The phone number they leave XXXX XXXX XXXX XXXX The phone number they call from XXXX XXXX XXXX XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/2020 / XX/XX/2020 Contacted Equifax to have credit repot unlocked. Calling the company XXXX number I spoke to an agent that has limited grasp of the english language. The agent asked written questions and after 20 minutes said he was unable to unlock my account. He said that a letter and answer sheet with documentation be sent to Equifax. A letter was sent via Fax to Equifax per his instructions on the XXXX XXXX, 2020. On XXXX XXXX, 2020 I received a letter form Equifax stating that the information sent was not sufficient to verify my identity. Calling Equifax XXXX number to inquire what other documentation would be required took me thru the same routing and questions that were asked in my previous conversation only to be told to send a letter to Equifax with the same instruction as before. When asked if I could get a number to contact someone in the USA he said they could not provide me with a number. No email address are provided for Equifax so contacting someone to resolve the problem makes it impossible. XXXX XXXX, 2020, another letter has been sent to Equifax requesting my account be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I was contacted by a XXXX XXXX from an unknown number, informing me that my case had escalated. And that if she was not able to contact my number, she would then contact my employers. Also stating their is an order for my location. And I will be located. This call was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: FL

Complaint narrative:
I had a loan with XXXX XXXX. XXXX XXXX went out of business and sold my loan and information to a company called SST. After a seminar Service members were educated on the SCRA act and certain states statutes. I filed for SCRA with SST and they declined to acknowledge my Louisiana Residency stating that the loan was a personal loan IAW RS 29:311. However, LA RS 29:311 for Louisiana also covers notes, in which a promissory note was signed. As well as LA RS 29:312 also states that the XXXX credit limit should not exceed 6 % from all obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX were transferred in XXXX to Commenity Bank. I had the wrong address on the payment that I sent in for XXXX, and it was returned. I re-issued a new payment, and it cleared my account on XX/XX/XXXX for {$200.00}. That was more than my minimum balance for XXXX, XXXX, and XXXX. Then I issued another check in XXXX, and that cleared on the XXXX for {$240.00}. This was also more than enough for the monthly balance. I have sent at least seven letters, and spoken to multiple people at Commenity Bank and XXXX stating that due to the large payments that they are not reporting these as late payments. I haven't had late payments, and my credit report history is great. In XXXX, when I purchased a vehicle it was XXXX. Now with this, we are unable to refinance our home, because it is showing negative payments on my credit report history. I need this taken off of my credit report immediately, because with everything going on we are worried we are going to lose our jobs. We have to refinance so the payments are more affordable, even if one of us lose our jobs. I need help, and have been waiting for months. 
XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX. XXXX XXXX XXXX, DE. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Mr. Cooper Complaint This complaint against nationstar Mr. Cooper is for engaging in real estate mortgage backed securities fraud regarding property at XXXX XXXX XXXX At this time I am asking Mr. Cooper/nationstar only for two documents. 



# 1 the assignment of mortgage showing XXXX XXXX as trustee of XXXX pass through trust VI The owner of the mortgage. ( Please see Mr. Cooper letter dated XX/XX/XXXX signed by XXXX XXXX customer relations specialist. ) # 2 Please provide Assignment of Mortgage assigning mortgage to XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee of XXXX pass through trust X. ( Please see Mr. Cooper letter dated XX/XX/XXXX signed by XXXX XXXX customer relations specialist. ) Mr. Cooper states they have the collateral file and assignments so I am requesting only two assignments of mortgages on or about the closing date of these mortgage backed securities trusts that Mr. Cooper claims were the owners of the note and mortgage. 



So to clarify our request, we need XXXX assignments of mortgage and XXXX XXXX assignment of mortgage to the trust that Mr. Cooper claims they have the collateral file. 



Thank you very much for your cooperation in providing these two Assignment of Mortgage that I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
This company stating they were American Express has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my XXXX XXXX XXXX  number and they told me that the " computer did it '' I told them to NEVER do this again explaining the XXXX it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not American Express but it is XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of XXXX which I do not need with my XXXX XXXX XXXX XXXX. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The company is not applying my payments properly. I have a simple interest auto loan with Wells Fargo and I have been making extra payments for almost a year now. They are not applying over payments fully to principle balance, they are dividing my overpayment between interest and principal. When I tried to resolve this with them they are telling me that I have to specify that I want the overages to be paid to principal but that is not an option on the website ( see below attachment ). After spending hours on the phone with the Presidents office they agreed that the payments are not being applied like they should be but will only fix back to XXXX even though I started the over payments in XX/XX/2019.

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 2020-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
My husband and I refinanced our VA loan and closed with Village Capital and Investments LLC. on XX/XX/2020. On XX/XX/2020 we were told by Village Capital that they had sent the payout in the form of a wire transfer. However, my husband received a call from our then mortgage company XXXX XXXX XXXX XXXX XXXX on XXXX XXXX stating that they had not received the wire transfer to fulfill the payout and that we were subject to default if the transfer was not received by XXXX XX/XX/2020. As I understood it, a wire transfer should not have taken any longer than 5-7 business days after closing. The proceeds from the payout/wire transfer were not received from Village Capital to XXXX XXXX until XXXX XX/XX/2020. We followed up with Village Capital in an attempt to get a status of the transfer numerous times following the call from XXXX XXXX advising us of default but was either ignored or provided false information that essentially cost us 10 days of accrued interest in addition to the default of our loan due to the transfer being received after the XXXX XXXX deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NCB Management Services Inc.
State: CO

Complaint narrative:
I do not recognize the debt listed from XXXX XXXXXX/XX/XXXX. I have disputed this with XX/XX/XXXX who upheld the debt. I have no idea what this is or why it's on my report. It is showing an open balance of {$3000.00} and opened on XX/XX/ but it does not indicate what the debt even is! 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NY

Complaint narrative:
There is a new XX/XX/XXXX XXXX  account that never reported to my personal profile and it suddenly appeared with a delinquency status causing me damage. 

The whole late on XXXX XXXX account was due to covid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: GA

Complaint narrative:
There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XX/XX/XXXX - Bal : {$470.00} XX/XX/XXXX XXXX  - Bal : {$4200.00} XX/XX/XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts :XX/XX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00}XX/XX/XXXX - {$3200.00}

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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 2020-11-24 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I applied for a card with a promotion through Frontier Airlines on XX/XX/XXXX. During this time I was supposed to receive a {$200.00} voucher for getting approved for the card. Long story short, we never ended up getting the voucher, nor did we ever receive the credit cards, billing statements, welcome packets etc. etc. The card was through Barclay 's bank of Delaware. I still do not have any cards nor do I have any paperwork regarding the credit to a Frontier Airlines account. 

The problem that i have is that all of the sudden, I receive notice that I am 30 days past due. I have never missed a payment in my life, and I have perfect credit. This alone had dropped my credit score 50+/- points. The 30 days past due is from Barclay 's saying that I never paid the annual fee. This was never paid because I was never notified nor did I receive the benefit of the {$200.00} voucher from Frontier airlines in regards to being accepted on this credit card. 

I have done my due diligence and called multiple times over the last couple of weeks. You get put on hold, bounced from person to person, and then you get hung up on. on Tuesday XX/XX/XXXX I spent a total of 4.5 hours trying to get this resolved with nothing being taken care of.

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