vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I had a minor claim ( hit and run ) on a vehicle I had rented from XXXXXXXX XXXX XXXX. My insurance paid all of the damages to the vehicle- {$1100.00}, but XXXX said I owed them diminution ( loss ) of value, administration fees and loss of use. 

I verified with my insurance company that these are not causes for loss in this type of claim. I reviewed my rental contract carefully and also discovered the Physical Damage Waiver I signed did not specify these types of claims for any loss. 

On XX/XX/XXXX, I sent a letter of final payment and conclusion of the claim to XXXX with a notice that I would contest the additional unwarranted and unsubstantiated charges. I also stated that I would not pay the additional fees and would contest them if they sent the file to collections. 

At the end of XXXX, XXXX, I received a collections notice from First Financial Asset Mgmt. Inc. ( FFAM ) claiming an additional {$300.00} owed. There was also an offer of a reduced payment of {$220.00} to " resolve this indebtedness ''. 

On XX/XX/XXXX I spoke with a representative at FFAM and sent them an email with all of the information concerning the claim including my communications with 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 2020-08-06 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: American Credit Acceptance, LLC
State: MO

Complaint narrative:
Amount in credit report is incorrect and balance has been paid by insurance company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TX

Complaint narrative:
XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Transunion is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. I have the documentation as I am not sure what is wrong with the data on this account through 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 2020-08-06 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: LA

Complaint narrative:
ftc violations XXXX XXXX hippa violations all of them XXXX XXXX inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX 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 2020-08-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX 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 2020-08-06 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: OR

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NJ

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 Consumer Protection Bureau This is a complaint against Citibank Credit Card. I called on XX/XX/2020 at XXXX XXXX. and was transferred to XXXX # XXXX. The phone number was XXXX. He stated the call was recorded. This is my issue. 
Four years ago we missed a payment to Citibank. One month later I was contacted by phone for the {$130.00} that was due. They stated there would be a penalty of about {$10.00}. I paid this balance over the phone in full at that time. Citibank had a wrong email address for us and said then they corrected it, after they talked with us. I have no issue with this. 
We recently applied for a mortgage and this late payment, that was filed by Citibank, damaged my credit score. This is the only late payment I had made in over seven years with Citibank and was an oversight, partially, because we were opening a Cit Bank and there was some confusion on bill paying. I then applied for a good will adjustment from Citibank in XXXX of 2020. The response was, legally we cant change this at the credit bureaus, if youre late, youre late, and there would be no adjustment. They did not address my good will adjustment request. 
When I called on XXXX XXXX, 2020 I asked Mr. XXXX # XXXX, if I had been treated fairly in the good will adjustment policy? I asked, was there a policy? He stated, we have no good will adjustment policy. I then asked, do you ever make a good will adjustment on any account? He said, yes, we do make good will adjustment account, but its on a case by case basis, depending on the reason and the review. I asked, what is a qualifying reason? He stated, it depends, it based the size of your account. We make adjustments and look at the reason depending on how valuable the account is. 
I understand that Citibank is a business and youre going to be treated better if the bank makes more money on your account. You may receive concierge services, but to legally damage people based only on the amount of money they make for Citibank is a gross discrimination. Everyone should have a fair shot at a good will adjustment and should not be based only on how much money Citibank makes. 
I would ask you consider demanding that Citibanks good will policy be formalized and not be allowed to be used in a discriminatory fashion, based solely on the size of the account. 
When I called I said that, before I filed a complaint with the Consumer Protection Bureau, this was a Good Faith Effort to resolve this complaint.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I so not have a contract with this company not do I have knowledge of why they are trying to collect from me. If this is a medical debt I have not received written notice of this debt nor have I had the chance to dispute this validity of this debt. Therefore, it should be removed from all 3 credit bureaus where this debt is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: OR

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from Bank of America. I started a fraud dispute with all 3 credit agencies and I reached out to Bank of America and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This complaint is against Shellpoint Mortgage and CFPB for ineffective response to previous complaints. Per attached, a Shellpoint representative has essentially acknowledged that the error is by Shellpoint 's escrow accounting despite months of claims the faults is the buyers. These complaints will continue until the issues is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2020, I sent {$40.00} via PayPal to the email address of a friend in XXXX. She does not have a PayPal account, but I had done it before with another friend and he opened an account. He never told me any details. 
Only ONE bank in XXXX works with PayPal and my friend does not have an account with them and can't open one. Her email said that if she does not take the money, it will be returned to me by XX/XX/2020. 
No money has been returned to me and she has not taken the money. I filed a report with PayPal and they never address what I've actually written. There was no warning to me that I should not send money to someone who does not have an account. 
Out of frustration, I filed another complaint that there was suspicious activity. That confused things, and I regret doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2020 we completed a refinance of our primary residence. Mr. Cooper, our old mortgage company, issued a payoff statement dated XX/XX/2020 to our title company, XXXX XXXX XXXX. On the day of closing, XX/XX/2020, Mr. Cooper paid our Homeowners Insurance from our impound account. There was a {$230.00} shortage in our impound account and the Title Company 's payoff wire transfer was refused by Mr. Cooper for this reason. We were contacted by the Title Company on XX/XX/2020 and advised to contact Mr. Cooper and pay the {$230.00} shortage so that the wire transfer could be accepted. We contacted Mr. Cooper on XX/XX/2020 and agreed to pay the shortage from our checking account that we were already using for our auto payments of our mortgage. XXXX XXXX, the Mr. Cooper representative completed this transaction over the phone, telling us we were paid in full and that this would take care of the shortage ( we have an audio recording of this phone call, and we received their permission to record the call. ) We were contacted on XX/XX/2020 by XXXX XXXX, Legal Counsel at XXXX XXXX XXXX XXXX, saying that the wire transfer had again been refused. We contacted Mr. Cooper and were told that the payment was never received and that we are now responsible for late fees and that we are delinquent on our mortgage payments with them, resulting in thousands of dollars. We have been back and forth with Mr. Cooper on multiple occasions, along with XXXX XXXX XXXX. Mr. Cooper has returned the wire transfer payoff at least 4 times to XXXX XXXX XXXX and XXXX XXXX XXXX keeps sending the payoff back to Mr. Cooper. We have escalated this issue to the Research Department at Mr. Cooper, and then the Customer Relations Department at Mr. Cooper, but from the latest response we received dated XX/XX/2020, we are more confused than ever. Mr. Cooper has obviously refused to listen to the recording from XX/XX/2020 when we agreed to pay the shortage. In paragraph 4 of this letter they say " our records do not reflect the amount of the {$230.00} that you stated you paid to XXXX XXXX. '' We authorized to pay this amount to Mr. Cooper, not XXXX XXXX XXXX. If they would listen to the phone conversation, they would realize this. We have 2 loans on our home, we are thousands of dollars behind due to penalties and interest on our old mortgage with Mr. Cooper, and no one at Mr. Cooper is able to understand what has transpired to bring this to a satisfactory resolution. We have attached the audio recording from XX/XX/2020, which clearly states that they had taken the payment of {$230.00}, reported to us by XXXX XXXX XXXX, from our checking account that would satisfy the escrow shortage. We have also attached the XX/XX/2020 letter from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I spoke with XXXX from USAA on Monday XX/XX/2020 & she told me she would expedient my money to me this week. I forgot to ask her if she could overnight it to me. She hasn't returned my call and it is now XX/XX/2020. It's just downright cruel to do somebody not to let them have access to their money but to close it when it's on payday! I will make sure to let my friends and family not to do business with usaa! due to their cruelness!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
This agency has harassed me all weekend starting from XX/XX/XXXX at XXXX till today XX/XX/XXXX. I work everyday from XXXX and they do not stop calling me XXXX XXXX is the name of the associate that is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
In XX/XX/2014 my van was stolen with my checkbook inside. I filed a police report with XXXX XXXX Police Department. 
In XX/XX/2014 someone cashed a check for {$1000.00} at a Speedycash in Arizona. 
Speedycash sent it to collections. The collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX KS XXXX Phone XXXX I called Speedycash - they said it was my check and it went to collections. 
I called XXXX XXXX - they said to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: LA

Complaint narrative:
ftc violations XXXX XXXX hippa violations all of them XXXX XXXX inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX 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