vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously sent three dispute letters to Experian in XX/XX/XXXX in regards of this XXXX XXXX XXXX account with account number XXXX in the dispute letters I sent Experian I told them that this item needs to be deleted because it's inaccurate because XXXX  and XXXX  has this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted but they said it was not going to investigate into the subject matter.

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 2020-03-23 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I XXXX XXXX  XXXX XXXX am filing my complaint against New Rez /Shellpoint Mortgage Servicing I have been dealing with dishonesty and forced insurance on my loan which I know is not in compliance. They increased my mortgage payment to {$2000.00} due to they duplicated the payment to the insurance to make me go into escrow shortage. Now they continue to charge me the incorrect amount because they feel I need to wait and continue to pay for their erroneous mistake that has caused me an escrow shortage that should not be. They have made no attempt to contact me at ( XXXX ) XXXX no have they resolved this matter accordingly. Adding to this that they are out of compliance as they forced their insurance on my loan causing me to pay out of pocket {$2200.00}. They said they paid to me but did not I appreciate your immediate attention on my complaint as I am being over charged and ripped off by New Rez LLC /Shellpoint Mortgage Servicing.

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I sent Experian a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to experian and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Experian has not verified the bankruptcies because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. I have attached documents that I sent to experian. Experian has informed me prior that they have not ever gotten any documents from CFPB. I hope these documents are forwarded to Experian.

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 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received an email from American Express Bluebird stating that I had violated some rule in their terms and conditions. I had or still have {$41.00} on the account and have no way of collecting it off of there. I still receive monthly statements telling me I have {$41.00} on there. There's no phone number to call and talk to a real person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 I apparently had a balance of {$77.00} for XXXX XXXX XXXX XXXX - this was all part of an emergency visit to XXXX XXXX Hospital in NJ. My co-pay of {$200.00} by XXXX XXXX Hospital in NJ was settled and taken care of I have documentation to prove, minus the apparent charge of XXXX above. XXXX XXXX XXXX XXXX mailed billing to my insurance company, however, when I reached out to my medical insurance company, last Friday they tell me they have no collection of this billing. When I reach out to XXXX XXXX XXXX  XXXX, they realized that they billed with an incorrect account number. In the interim, I've been on the dark, not knowing or had no idea this was happening. I reached out to the XXXX XXXX company on my credit report and they are telling me that now it's too late anyway because this was back from XX/XX/2018 and that XXXX XXXX   XXXX can no longer bill my insurance company, XXXX XXXX XXXX XXXX. However, here I am with this stain on my credit report, preventing me from seeking a decent rate on a home re-financing because of this. The rest of my credit is in great standing however, this mistake is affecting me. I'm not sure what to do, I don't care I would pay the XXXX dollars to clear this up, however, they're telling me it would take up to 3-6 months and it would only showed " paid '' it wouldn't be removed, this is so unfair. As a consumer, I feel trapped without any valid options to clear up my credit report as it should be. Please please help me. Thanks so much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a mortgage with XXXX/Mr.Cooper which I have had for 21 years. On XX/XX/2020 a wind storm wreaked havoc on my property and extensive damage was done which included destruction of a storage shed, roof damage as well as battering of other structures. A claim was filed to the insurance company and they responded by submitting to me and my spouse a check in the amount of {$18000.00} ( after deductible ) for repairs which will only cover a portion the damage. More claims may need to be filed. When we attempted to deposit the check into our account at XXXX  XXXX XXXX, they in turn informed us that we needed the signature of XXXX  as well which we were unaware but certainly understood. I spoke to the director of customer service at Nationstar after submitted the check to them and she informed me that since the check was for less than {$20000.00} the payment for all repairs would be unmonitored and that my spouse and I could independently pay for the repairs by the contractors upon completion of the services offered. However, on XX/XX/2020 I phoned My Cooper/XXXX and I was informed that the process would be monitored due not receiving mortgage payment for the month XXXX when the claim was filed ( XX/XX/2020 ) The status of the account was not delinquent but I made a payments after discussing the matter with them and the account is current. They seem to be unwilling to remove the monitored status from the management of the funds that must be used to restore my roof before storm season, replace screen over my pool deck and replace the shed. Again, it will probably cost me additional funds to restore my home to pre-storm status and I have been unable to find a legitimate roofing company that will agree to do the work then wait for a check from the bank. Additionally, we have already had two heavy rain storms since this claim was filed and presumably more roof damages. If water damage occurs, the insurance is not obligated to pay for any claims. If the roof collapses and causes harm to my family members, I will use legal means to hold this bank accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This a follow up/continuation of CFPB Complaint # XXXX. 

I want to amend my XX/XX/XXXX complaint. 

In my original complaint, I asked for {$1000.00} from Equifax to assist in my efforts and pain to fix their gross error. Since then I have received written evidence from Equifax that they did not follow their own security/identity protocol. The XXXX XXXX letter indicates that the fraudulent applicant used the wrong mailing address ( for me ). XXXX XXXX caught the attempt, but Equifax did not. Why so? I have provided you the correspondence as evidence. 

Because of Equifax 's ongoing negligence ( since XXXX ), I am now growing my demand to {$10000.00}. I am not interested in their excuses nor appeasements. Regardless of Equifax 's size, gross revenues, time in the industry, Equifax does NOT know how to run their show/shop and CONTINUES to HARM we consumers. There MUST be a SIGNIFICANT PENALTY for their INEXCUSABLE behavior. 

I will wait the 60-day period to receive a proper, non-form reply from Equifax, but know that my new demand ( {$10000.00} ) will not wither. 

I am beyond displeased by Equifax 's outrageous incompetence. 

Thank you, Senator XXXX XXXX, for helping to create your bureau ; that CFPB exists to help we abused consumers. 

Sincerely, Mr. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have previsouly filed this complaint, but the company has failed to address my concerns. I deposited a check into the Discover Bank on XX/XX/2018 for XXXX. On XX/XX/2018 the funds were withdrawn from my account. The reason I was given was that I had deposited the same check at XXXX XXXX XXXX on XX/XX/2018. I checked at XXXX XXXX  and they have no record of it being deposited. When I told them that I did not even use XXXX  XXXX, but banked at XXXX XXXX, Discover told me to check my other account at XXXX XXXX. I did. No records of a deposit. I have asked them 4 times for a copy of the notice they claim to have received about this matter on XX/XX/2018 so that I can research it further. THEY REPEATEDLY FAIL TO PROVIDE ME WITH THE DOCUMENTATION THAT THEY USED TO TAKE MY MONEY. I have written to the CEO of Discover as well as several people at the " Executive Office of Consumer Advocacy ''. I am just looking for Discover to provide the  documentation which they claimed to have received. To date my money has been missing and the last place it was seen was Discover. From my point of view, Discover has stolen my money, unless they can show me who told them that the money was deposited elsewhere, so that I can pursue that lead. My next step is the Attorney General 's office if I can not get a simple piece of paper from Discover. I think they are covering their tracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I had a streamline refi on XX/XX/2019 for my mortgage with Freedom Mortgage. XXXX XXXX, from XXXX  XXXX came to my house & we signed the paperwork. I was told NOT to pay XXXX 's mortgage, but give them $ XXXX, at time of settlement for the new loan. The loan was supposed to disperse on XX/XX/2019 and to date, XX/XX/2019, the title company has not received the dispersement. 
# 1. My mortgage is now past the 15day grace period. 
# 2. When I spoke to XXXX /Freedom Mortgage on XX/XX/2019 he said that it should go out on the XXXX wire, or the next day on the XXXX wire. I called him Friday to find out what is going on, but haven't heard back from him & I feel he is obviously giving me the run around and has no intention of following through with my loan. 

This all started back in XX/XX/2019 when I electronically signed refi paperwork. The loan amt was {$210.00}, int. rate 3.625 %, monthly principal & Interest {$1000.00}. with Mortgage Ins. of {$130.00} p/month and estimated escrow of {$230.00} p/month, the new Estimated Monthly Payment would be {$1300.00}. Which they never honored.

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 2020-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Didn't receive promotion special interest rate

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 2020-03-23 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: NC

Complaint narrative:
I previously sent three dispute letters to Trans Union beginning in XXXX of XXXX in regards of this XXXX  XXXX XXXX account with account number XXXX in the dispute letters I sent XXXX  I told them that this item needs to be deleted because it's inaccurate because Transunion and XXXX  have this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted.

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 2020-03-23 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Asked credit reporting agency to explain how they validated the collection Account. Credit bureau did not provide me with an answer and stated it was verified

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 2020-03-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$5300.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -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 2020-03-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$5300.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -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 2020-03-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$5300.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
After I was laid off due to covid-19 I called credit acceptance to see if I could change the due date or defer the payment for a couple weeksso I could get a clear pucture of my financial situatio, they said no, we will not make collection calls, however reposessions, credit reporting and late fees are moving forward as always.

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 2020-03-23 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: Voss & Klein, LLC
State: FL

Complaint narrative:
back in XX/XX/2014 XXXX XXXX XXXX did work for me at my t house. I contracted them WITHOUT a time frame. after I saw they were not doing the correct service I terminated them after a day. they billed me for 3 and wrote on top of contract a minimum term which is not initialed by me or them! they were being thieves and I paid them for the time which they did the job, that's all they deserved. I am a reasonable and fair and have ALWAYS paid my obligations. I have asked the collection company for a copy of the executed invoice and to note where they wrote in a term, they have NEVER complied!!! 
the collection agency is no better than the people they collect, zero integrity!!!! 
thanks for looking into the matter and I hope you can get the answers I could not.

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