vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
It says opened on XXXX. {$80.00} is owed, I was never aware of this bill or opening of this account. I've contacted them to let them know that I was never aware of this being open, and someone pretended to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2019, my wife XXXX and I closed on our house at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. We worked with our lender to XXXX XXXX XXXX to ensure they understood that my wife is XXXX from the XXXX XXXX after 20 years of service and is considered XXXX XXXX XXXX by the Department of Veterans Affairs. In the state of TX which we are residents of XXXX XXXX  XXXX veterans are exempt from property taxes. We supplied all the necessary information to XXXX XXXX and they did not require a monthly payment into escrow as exhibited by our first payment coupon for loan number XXXX,. In addition, we received at closing our monthly payment letter from XXXX XXXX stipulating our monthly payment would be {$1900.00} consistent with our payment coupon. We have subsequently applied to the XXXX County Tax Assessors office for our tax exemption on the property listed as XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Our first payment was sent to XXXX XXXX and in the process, we were notified via mail that our loan had been sold to US Bank. Upon notification, we called the US Bank as the monthly mortgage went up by {$1000.00} per month from the documentation cited above. US Bank stated they would look into this and contact XXXX County Texas Tax Assessors Office. We made our XX/XX/2019 payment to US Bank in the amount cited in the documents cited above. On XX/XX/2019 we received a call from a collections agency stating our home was being foreclosed upon without any notice from US Bank. In addition, we have received no notification from US Bank into the resolution of our escrow issue. US Bank has not applied minimal if any monies to our principal account and is showing us in delinquent in our payments. Furthermore US Bank has not made any attempt to contact us regarding our mortgage as we are under the impression from closing that our payments are {$1900.00}.

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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
As per complaint Number XXXX, Portfolio responded by trying to defend their claim appearing as legitimate as possible without providing any real verifiable proof as to that claim. They still, after a number of go arounds, have not shown their right to furnish derogatory information to my file besides three hearsay documents and their statement in a response to me where they claim to have received their basis of ownership of these alleged accounts on a spreadsheet with limited data. They have not shown a signed contract, with the terms of said contract listed, a chain of assignment or a sum certain accounting as to the accuracy of the amount they claim to be owed. 
They misrepresent themselves themselves and conduct themselves in a deceptive manner when they use the term verified to describe the status of their alleged claims on me. These documents they use as their proof, combined with the electronic file and its limited data, they, in defiance of the FDCPA 1692e and the UDAAP from the Dodd-Frank Act, state as establishing the accounts validity. They have never made any serious effort to even provide a verifiable basis of a claim, by oath or affirmation in the form of an affidavit by a competent individual with first hand knowledge of the transactions involved, or at the very least, familiarity with the accuracy of the business records to be able to attest to that accuracy under pain of perjury. 
They have responded to your last communication with them over this matter by stating their intention to stop their collection efforts, certainly a step in the right direction but, on the other hand nothing was said about them ceasing their furnishing derogatory information to my credit files. In fact on XX/XX/XXXX, several days after I received the response from you, my XXXX  and XXXX  files were updated, reflecting both of these Portfolio accounts as still active. And I received a communication from XXXX that claims as of XX/XX/2019, the Portfolio accounts are valid and still, even after all this, staying put on my credit file. This is clearly unacceptable. If they accept that they have no basis to continue collections, as stated in that last complaint with the CFPB, then they should have no basis to furnish these accounts on my file with any of the bureaus. They are in violation of Title15 1681, the FCRA by continuing to put this information on my account. This data should cease being furnished along with the ceasing of collections of these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: MD

Complaint narrative:
I ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.

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 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
The company represented themselves as XXXX and XXXX and collected four payments for {$190.00}, {$490.00}, {$120.00} and {$140.00} for XXXX XXXX XXXX. I paid all the amounts on XX/XX/XXXX. 
Another company named " Weber and Associates '' appeared my credit report XX/XX/XXXX for exact same amounts on my credit report for the same four amounts. 
This needs to be removed immediately from all my credit reports. 
I spoke to XXXX a representative yesterday and she demanded proof of payment. I sent her an email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.CMRE. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.CMRE. XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am willing to file a lawsuit against you for : Violation # 1 ( reporting inaccurate information to Credit Bureaus, violation of California Credit Reporting Act ) Violation # 2 : Failure to provide notice of late payment insertion as required by California Credit Reporting Act.

Violation # 3 : Failure to stop the reporting of fraudulent accounts after being presented with proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank, the worst bank in the world, continues to taking efforts to defraud my mortgage escrow account. 

I received a letter on XX/XX/XXXX that my homeowners insurance lapsed as of XX/XX/XXXX, that the bank was purchasing insurance on my mortgage, applying the premium back to the time of lapse. The bank then charged my escrow account nearly {$2800.00} for an insurance period XX/XX/XXXX through XX/XX/XXXX. 

The bank refused to pay my insurance as presented from escrow but instead billed its own for nearly 7 times the original cost presented. 

This institution continues trying to steal funds from my account in such nefarious ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: MD

Complaint narrative:
I ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX   opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.

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 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I tried to add money to my American Express Serve Card ending in XXXX on XX/XX/2019 but I got an error message. I called the customer service the same day to inquire about the problem. I was told that they needed to verify that I'm the owner of the credit card I'm trying to use to add money to my serve account. They sent me a link by email requesting a copy of the bank statement and my Driver 's License, I immediately uploaded the requested documents. On XX/XX/XXXX, I received another email requesting to submit a documentation to verify my address, I immediately submitted a bank statement that shows my address. I never heard back from them and I tried to add money today to my card and I got the same error message, I called the customer service again and was informed that the account is still " Under review ''. My account was charged {$6.00} monthly fee on XX/XX/XXXX. I don't understand why I'm being charged a monthly fee for a frozen account that I don't have access to it's features.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: NY

Complaint narrative:
I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. I information has been compromised from someone. 


1 ) XXXX XXXX XXXX Opened- XX/XX/XXXX ( 4 yrs, 6 mos ) - amount {$1400.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount- {$660.00}

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XX/XX/XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XXXX  XXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.

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 2019-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion. They would not remove my fraudulent inquiries. It was not me. 
TRANSUNION XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX There we no actions taken at all!!

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 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
Hi there I have been paying on this student loan ( it was taken out for my daughter ) .Original amount was {$91000.00} in 07, and now, I '' m owing more than the original loan amount ( {$94000.00} ). I have been paying on a consistent basis, but there were times it was in forbearance. It says that principle paid is {$54000.00}, but it doesn't seem like that since my balance is still XXXX. I called and spoke to a person, who after looking at the account said " that's what you owe ''. I don't understand how at this point it can be more than what the original balance was - I would like someone to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Was getting hassle calls from CBE Group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX ) about collection charge of {$39.00} from XXXX XXXX. 
Information they had given me is I had no knowledge and told them that was not me and never ordered that service. They called continued to call me and I had to repeated many times it is not mine. Now they are showing on my Credit Report as Collection so I had called them again and explained to them please remove it from my report since pending charge is not mine. But they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OK

Complaint narrative:
I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2019 dated for XX/XX/2019 saying to please find the documents for the above mentioned account. If you have any questions, please feel free to contact us at the number listed below. 

I contacted Mercantile Adjustment Bureau immediately to take care of the debt because we are in the process of obtaining a home loan and this will drastically hurt us. 

When I contacted them, they stated they sent out a letter on XX/XX/2019 to our previous home address which we have not been in for almost 3 years. We did not receive a letter to dispute this or take care of it in a timely manner. They sent the letter to the correct address on XX/XX/XXXX. However when I spoke with them on XX/XX/2019, they stated they had already reported this to my credit. 

I believer they have inaccurately and illegally reported this debt to my credit, with intentions of hurting my credit. 

They state they have called my phone number and work phone number multiple times, however I have not logged phone calls of this. My work phone is manned XXXX and I have never received 1 message from them. 


They are ruining people 's lives by not doing their due diligence and sending letters to correct addresses in a timely manner OR calling and reaching someone before reporting to someones credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I paid off the remaining balance on my GAP Synchrony Bank Store Card. On XX/XX/XXXX My carr was closed by Synchrony bank. I was told by three separate representatives that my card was closed due to other financial obligations that I failed on. I had lost my job and was struggling to keep my head above water. Nonetheless I was told that because of my credit report my account was closed. I dont remember giving Synchrony Bank permission to review my credit report beyond my initial application. I explained that the closure affected my credit score in a major way negatively! Especially since Synchrony Bank waited until my balance was paid in full! Before they  closed my account. My credit score had suffered tremendously!! And I am now unable to qualify for a Mortgage because they refused to review and reopen my account. Now originally I was told it was because of my credit report. But the letter they sent me after I filed a dispute with the company says something completely different. The letter says that my account was closed because of Prior Unsatisfactory obligation to Synchrony Bank. And I have reason to believe that Synchrony Bank closed my GAP store Account as a form on retaliation/punishment for falling behind on my Payments with my Walmart Card!!! Also held by Synchrony Bank! This is completely!! Unfair! How is Synchrony Bank allowed to close my account after its been Paid! And why was I told one thing but given a letter that completely contradicts what was told! 

Please Help!

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 2019-05-21 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: CA

Complaint narrative:
As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XX/XX/XXXXXXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CA

Complaint narrative:
As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my XXXX father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of 2019 when the account was closed inXXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XXXX XXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.

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