vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
XXXX the XXXX XXXX I opened a dispute, they said they changed my account to being in forbearance, I called them and they stated that they didnt see why it would be coded as that but they couldnt corrected it right now. I am trying to buy a home and I cant because of this terrible mortgage company. I feel as if they re retaliating against me for contacting CFPB and XXXX  because of their tactics. I asked to speak to someone that can make decisions and they WILL NOT LET ME speak to anyone else. Also when my mortgage was bought I had a XXXX dollar inspection fee from them to which was charged before they owned my account. This company is like dealing with a little child I can not get any information from them to help. I have not given written consent nor verbal consent to put account into forbearance as I have been paying my mortgage. This company has to be stopped they are messing with myself and many other families.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: MI

Complaint narrative:
I filed a previous complaint with you ( CFPB ) and all information in that complaint was TRUE and ACCURATE # XXXX. 

Then, Transunion replied with lies and you closed my complaint, well I am submitting another complaint because what TransUnion replied with was FALSE information! I sent my original dispute with a COLOR photocopy of my social security number and with a COLOR photocopy of my driver 's license with address, and a clear and legible letter disputing my credit report. I even had the letter certified with a return label ad signature, which they stamped and received FROM ME! I then responded with a no response letter the same way, so there is no way that it was not clear that it came from me. This company did not respond in over 45 days and accounts disputed on my credit report should be cleared asap! They are now lying to you ( insulting your intelligence ) and stalling trying to avoid clearing my account after they defaulted by NOT replying to my request. I have proof of all of this and I demand that my account with TransUnion be cleared asap because they have violated multiple laws according to the Fair Credit Reporting Act ( FCRA )! I can not believe how a company would go through great lengths to LIE to prevent from doing what is right! I waited to see what the response would be so I will be taking further action and getting a lawyer to SUE all parties involved with this clear violation of the law. And I WILL WIN because I HAVE PROOF of all transactions! How can this case be closed based upon a LIE!?? 

Now, they have responded to you trying to imply that they received information from a THIRD party, but replied to me stating that the information was not legible so which is it?? Then you ( the CFPB ) just closed my last complaint # XXXX, based on the LIES they told you. MY LETTER says one thing, and what they responded to you with says another. A copy of THAT letter is attached. Based upon that alone shows that TransUnion is not truthful and is violating the laws of this country that we all are required to follow! 

Thank you for your attention to this 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 2020-06-27 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: VA

Complaint narrative:
The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened DateXX/XX/XXXXBalance {$0.00} XX/XX/XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: VA

Complaint narrative:
The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}

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 2020-06-27 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: VA

Complaint narrative:
The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Opened DateXX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account and my customers want me to refund their money but PayPal always replying with automated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: GA

Complaint narrative:
These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Investigation took more than 30 days
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 {$0.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I need your agencys assistance, for years now, I have been harassed by XXXX XXXX XXXX for fraudulent medical bills that I do not owe. 

I have not been a patient of any XXXX XXXX XXXX doctor in years now, and I do not owe any outstanding Medical debts to them, yet they continue to harass me, by charging me for debt that I do not owe. 

They continue to charge me for XXXX XXXX that have already been paid for in previous years, by myself, as well as my dual insurance carriers. 

I have contacted their business office over and over again, they have received copies of payments already made to them, I have had attorneys to write to them to clear my name of these fraudulent debts that they continue to harass me about. 

For years now, the billing office for this medical group has insisted on harassing me, they have made mistake, after mistake on my patient accounts, they have not credited me for payments received from me, as well as from my insurance carriers. 

They have inept and unqualified people working in their billing offices, over the years they have claimed that they have changed their computer systems, over and over again. And it seems that each time they have, they place people that dont know how to do patient billing, and so the patients suffer for their incompetence. 

Years ago their Administrative officers XXXX XXXX, as well as XXXX XXXX XXXX and others in their Administrative offices, were made aware of this continual harassment from their billing office, and this was supposed to have been corrected. 

( I am enclosing copies of letters that were already sent to XXXX XXXX XXXX back in XXXX ). 

Yet I find today in my mail, on XX/XX/XXXX, a letter from a Collection Agency by the name of Capio Partners LLC, this collection agency is billing me for fraudulent medical debts that I do not owe. 

I want Capio Partners LLC, to understand, that I am not paying them, nor am I paying another dime to XXXX XXXX XXXX, for any more of their fraudulent medical bills. 

I want Capio Partners LLC, to cease and desist from contacting me about these fraudulent debts that I do not owe. 

I want any collection accounts that they have placed onto my credit files removed immediately, as well as removed from their collection office, and I want hard copy proof on their letterhead that this has been done. 

Capio Partners LLC, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
For the past 2 years I have been sending my mortgage company bi-monthly payments of $ XXXX to pay for my mortgage payment. The mortgage company wasnt crediting the payments correctly. Instead they would apply the XXXX bi-monthly payment to the principal ( without telling us that btw ) and it wasnt until months later when they stated we were short for our escrow we realized THEIR error. 
Now our mortgage has been transferred to another mortgage company and the original mortgage company is stating our mortgage payment is now {$220.00} MORE due to a " shortage payment '' There was NO shortage payments - THEY were not crediting our payments correctly causing this insane increase on our mortgage payments. We can NOT afford {$220.00} more a month - this is on THEM not us! 
With our new mortgage company ( XXXX ) now assumes our monthly payment should be {$890.00} which is WRONG!! 
If they had credited all the bi-monthly payments to them to the XXXX instead of just putting it where ever this wouldnt have happened!

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a usbankreliacard in the mail. Since I have a usbank card I assumed it was an updated card. I called to request a duplicate card for my husband. I spoke with XXXX XXXX from about XXXX to XXXX XXXX on XX/XX/2020. She stated she had to verify my authenticity by entering transations against one of my current credit cards. I objected stating I had never needed to do this. She stated I was niave and she was just trying to serve me and fill my request and proceeded to enter transactions on three of my cards : XXXX XXXX from XXXX ( {$75.00}, {$10.00}, {$25.00}, {$60.00}, and $! XXXX ) XXXX XXXX from XXXX ( {$200.00} ) XXXX ( {$200.00} ), XXXX XXXX   from XXXX ( {$280.00} ). The XXXX XXXX would not accept the transactions and I refused to give her anything else. I told her to just stop and remove all the transaction which she said had not been posted and would not be, She would remove all traces of them before the end of the call. I had been complaining about the process and the length of time for ssuch a simple request. She suggested I just hang up the phone and leave her to finish the job and I could just check my computer later. I told her I did not trust her enough to do that. I wanted to see each transaction cancelled. She told me to be quiet and let her do her job. She said she would cancel everything at that point but I noticed she was waiting for a confirmation from XXXX. She did cancel the XXXX charge for {$200.00}. But that was all. Finally she gave up on me. When nothing happened I began to cancel the user interface sessions. She had opened about six of them. When I got to the last one, XXXX XXXX entered XXXX XXXX I have tried to report the fraud to usbankreliabank but the rep went to talk with her supervisor and then hung up on me. I tried to cal back but after 15 mnutes in queue, I hung up and chose to report the fraud to you. Since it seems this is a government relief program, I was confident you would be intrested in preventing this to unemployed people desperate for the help you offer.

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 2020-06-27 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:
These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}

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 2020-06-27 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: GA

Complaint narrative:
These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020, my bank account was compromised. Three unauthorized payments of {$380.00}, {$320.00}, {$300.00} totaling {$1000.00} were sent using XXXX transfer without my consent before midnight to a person that I do not know named XXXX. While the payments were in processing I tried to call Bank of America 's fraud department to stop the payments but the department was closed and I had to wait the next day which is XX/XX/XXXX. I called the next day and they said that the transactions were completed and could not be reversed. I opened a dispute for the fraud claim for these unauthorized payments. The claim number ID number is XXXX. Bank of America also closed/froze my current bank account and then I had opened a new account with them. I waited 10 business days for the fraud investigation and they denied my dispute saying that the payment was authorized but I did not authorize these payments and am a victim of fraud. 
I have been a customer with Bank of America for 10 years and have never encountered this type of incident before and they could not even offer any protection. I have asked to have my dispute reopened and I am providing a police report to help back up my claim. I am not sure what are the next steps of action to take in order to get the money back especially during this time of hardship during the coronavirus I can't afford to lose this amount of money.

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 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
First of all this mortgage note is non and avoid incorrect property description when me and my wife bought the house it said XXXX feet lot XXXX the correct lot no is lot XXXX. This mortgage company has comm it tted fraud several times robotic signing forgery on XX/XX/2012 inserting deed of trust.21st Morfgage has refuse to give any modification. Several errors in mortgage errors and omission and Myers as well. They dont have original note note has been sold several times. They have sent a fake note without the real wet ink

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
The collection agency is mistakenly charging me. XXXX XXXX is the original creditor.

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