vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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 {$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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 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 2020-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I filed a complaint regarding Bank of America 's handling of a rental mortgage they bought. BoA 's 'response ' was to send 'late payment ' notices when no payments are late and insist that I call their 'regulatory compliance ' group at XXXX. If you call this number, you will find that they make the required 'debt collectors ' announcement. Further, if you try extension XXXX, you will always get voice mail, although BoA requires calling them by a date certain, after which doubtless, they will tell you I'm unresponsive. 

Is there any way to force them to sell the mortgages to a competent servicer?

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 2020-02-18 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-02-18 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NC

Complaint narrative:
My mortgage was being transferred, I made repeated calls to CASHCALL to ensure that there would not be an issue with my monthly payment as the transfer of loan was to occur shortly after the normal auto-draft takes place. 
The auto-draft was set up for the XX/XX/XXXX of every month my loan transfer was to occur on the XX/XX/XXXX. ( XXXX EST ) I spoke to several people at CashCall who assured me that the payment would go through without issue and then the new servicer ( XXXX XXXX XXXX  ) would take over. On the XX/XX/XXXX I called CashCall as the auto-draft was not taken out of my checking account, I spoke with XXXX ( ID # XXXX ) who informed me that because the XX/XX/XXXX happened on the weekend that it was delayed but not to worry as it will be taken out and the information would be transferred to XXXX. 
On the XX/XX/XXXX ( XXXX EST ) I received a debt collection call from XXXX asking for a payment. I confirmed that no payment had been withdrawn from my checking account. On the XX/XX/XXXX I called CashCall ( XXXX EST ) again and spoke with XXXX who had no sympathy for the situation and just said that I needed to set up a new payment with XXXX. I was then transferred to XXXX who had a little more compassion but was only able to reiterate that she could offer no additional solution. 
The fact that I was assured that the payment situation was being taken care of makes me believe that the transfer of the loan is set-up to require additional work for the customer in the hopes that payments are late so that additional fees/APR can be garnered from the individual. I understand that there is a grace period where fees and APR issues can not occur but without additional checks by the customer this period could have easily past. This practice needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 {$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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 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 2020-02-18 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 {$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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
As a recap from my last complaint, my loan modification was approved and then taking away due to a payment that was authorized for me to submit upon receiving the loan papers. According to XXXX with PHH mortgage, he advised me I could submit my first payment once I received the loan modification approved papers. Well, I didn't receive the loan modification papers until after the due date which made my first payment late and in results PHH pulled my loan modification from me. I advised them to pull the phone call with XXXX and myself conversation indicating it was still okay to submit payment although it was past the deadline. 

PHH mortgage apologized for error and said they will give me another loan modification. As of today I have not received a modification or any other offers and PHH mortgage have started foreclosing procedures. According to the letter I recieved dated XX/XX/2019 they were considering me for a loan modification and advised me there was nothing for me to do while they're looking into my loan modification. PHH mortgage said they will not consider any foreclosure proceedings and there will not be any mortgage late payments reported to credit bureaus while the loan modification was being considered. Well, PHH lied! I received foreclosure letters while they were considering me for the loan modification and PHH mortgage also where reporting late payments to the credit bureaus. 

I have attached corresponding letters to support my complaint. 

Please help me save my home! I'm not sure why they haven't listen to the phone conversation between XXXX and myself discussing the loan modification. This will surely clear up the error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX  XXXX XXXX XXXX {$15000.00}

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had my identity stolen in XX/XX/2019. I filed a police report and followed all the outlines practices to lock my credit. I am now trying to lease a new car and Equifax will not unlock my credit for XXXX XXXX to approve my lease. They are telling me I have to send via US Mail / FAX and they will get back to me in 5-7 business days. They won't accept an email of a text message, which both can be traced back to my personal IP address or ANI information, but instead they select two communication mediums that are not very secure. I escalated several levels at their call center and they all read the same statement and would not help even thought they sent me my Credit Report a few days ago and I had it in front of me and could answer any / all questions. Now I'm a victim for a second time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Mortgage processor ( Shellpoint ) is escrowing for taxes and insurance. They missed a tax payment, and I contacted them today. They told me they acknowledge a payment was due but they did not pay it. They did not offer an explanation or a path to resolution. XXXX is contacting me for delinquent tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
My husband and I signed up with Freedom Debt Relief in 2014 after speaking with one of their representatives at length. What they offered us was a chance to increase our credit score while getting some debt relief. They would negotiate on our behalf. They presented themselves as credit experts and assured us we would have a favorable outcome. At the time, we were struggling but making our payments on-time. After agreeing to their program, we started making monthly payments to them. We did what they asked and it completely ruined our credit. This has affected our lives greatly in so many ways. I think about it often. I recently started researching how to sue them and CFPB came up. We would like to be compensated in some way to at least dig ourselves back out of this hole. Losing our credit is worst than having money taken from us. We can never get that back. The hope is that this will not happen to anyone else. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: WI

Complaint narrative:
I bought a money order to pay my rent that was lost. I had to cancel it. They told me that they will reimburse me for 30 to 45 days. More than two months have passed and I still have no response from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.

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 2020-02-18 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:
For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.

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 2020-02-18 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: OH

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 {$20000.00}, {$11000.00}, {$420.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Letter dated XX/XX/XXXX refrencing XX/XX/XXXX fraud claim date. Kindly Note statements XX/XX/XXXX through XX/XX/XXXX can be viewed on line. XX/XX/XXXX TOTAL CREDITS APPLIED this period Merchants Credits {$340.00}. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$350.00} {$300.00} My Payment. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$620.00} {$500.00} My Payment {$120.00} Merchants credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$48.00} Merchant credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$450.00} {$200.00} My Payment {$200.00} Merchant credits. XX/XX/XXXX {$910.00}. TOTAL CREDITS APPLIED this period are Merchants Credits. A TOTAL OF {$1.00}, XXXX Merchants paid on ID Theft and I paid {$1000.00} on this ID Theft since XX/XX/XXXX through XX/XX/XXXX. USAA REVERSED MY PAYMENTS AND MERCHANT CREDITS {$160.00} in XX/XX/XXXX USAA REVERSED CREDITS {$1.00}, XXXX in XX/XX/XXXX??? DOES USAA POLICY INCLUDE STEALING MERCHANTS AND MY PAYMENTS WITHOUT APPLYING A CREDIT? HOW CAN YOU REVERSE A CREDIT NOT GIVEN? USAA CLAIMS ALL CREDITS ARE INTERNAL. I understand why they would want to hide USAAs POLICY OF STEALING CREDITS NEVER APPLIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on 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 non-monetary relief