vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: NC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-14 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am being charged roughly double for my taxes. Freedom mortgage is debiting {$1900.00} per month for my taxes which are {$6500.00} yearly. This could lead to approximately {$10000.00} more a year than needed by the township. All necessary paperwork has been submitted multiple times via email and fax for close to 4 full months. The continued response is we are working on it with no follow through. We have maintained timely payments but will not be able to maintain if this continues. Our quality of life continues to suffer because of the actions of freedom mortgage.

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 2021-01-14 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:
US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
FYI- I was not able to include Transunion in my last complaint as I had to include XXXX XXXX and I only was able to submit for 3. 

Back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted XXXX XXXX and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means XXXX  XXXX, XXXX, XXXX  and transunion will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to XXXX XXXX  and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to XXXX, XXXX  and transunion. I called XXXX XXXX and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING 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 2021-01-14 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: NC

Complaint narrative:
back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted XXXX XXXX and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means XXXX  XXXX, experian, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to experian, XXXX  and XXXX. I called XXXX XXXX and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING 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 2021-01-14 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: CA

Complaint narrative:
US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
on XX/XX/XXXX I received a letter from Bankers Healthcare Group XXXX regarding a potential loan offer, I inquired what the interest rates were and they would not tell me. I told them I wasn't interested in applying for a loan if I didn't know what the interest rate ranges were. 

On XX/XX/XXXX, I received a letter saying my application was denied and they pulled my credit report with the reason being an incomplete application. I never submitted an application, and never authorized them to pull my credit report without telling me what the potential rates could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My mortgage was originally handled with XXXX XXXX XXXX with the first payment due by us on XX/XX/XXXX XX/XX/XXXX Payment for {$2700.00} using XXXX account number XX/XX/XXXX I received an AmeriHome statement that they had not received payment. I immediately realized that I needed to use the AmeriHome account # and that my bank had returned my XX/XX/XXXX payment XX/XX/XXXX I sent 2 payments for {$2700.00} each for XXXX and XXXX. I also called AmeriHome ( XXXX # XXXX ) to let them know of the situation. She told me to wait until the end of the week to see if the payments posted. 
XX/XX/XXXX Both payments cleared XXXX ( proof of payment from XXXX attached ) XX/XX/XXXX Payments still not posted on my AmeriHome account. Was told to send proof to XXXX. I did and received an email back that I would need to communicate via their secure website. ( Both emails are attached ) XX/XX/XXXX Sent proof through their secure website as instructed which was confirmed by them on XX/XX/XXXX ( Communications are attached ) XX/XX/XXXX @ XXXX called AmeriHome and spoke to XXXX she transferred me to finance to check the encrypted communications and gave me their number XXXX in case we were disconnected. Spoke to XXXX who confirmed receipt of my correspondence. We confirmed the proper account number was noted. She did not see the payments posted. We discussed me calling XXXX to again confirm and verify payments. The call was dropped and I did not have time to call at that time. 
XX/XX/XXXX I called XXXX XXXX spoke to XXXX who confirmed that payments had cleared. She explained that meant it was in AmeriHomes system now. We confirmed account numbers. She also offered to set up a direct call with AmeriHome. 
XX/XX/XXXX called AmeriHome XXXX Spoke to XXXX ref # XXXX. He stated that they had not received any payments from us and that there was no communications from us and that our mortgage was in default. I asked for his supervisor after waiting another 30 minutes he told me that no one was available. He also reiterated that they had no correspondence from me. I asked him to look back at my call from XXXX on the XXXX and he said she had wrote the same thing. I told him I was looking at the confirmation on his website and he just repeated they had nothing from us. 
XX/XX/XXXX Called XXXX XXXX spoke to XXXX case # XXXX. She respectfully listened made notes and gave me suggestions on how to proceed and that they

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: SC

Complaint narrative:
I am unclear why my equifax score is below 800 but my XXXX XXXX score is over 800. I pay my bills ahead of time and have no late or missed payments. My fica score is around 833. I dont know how equifax came up with this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
The first time I received a copy of a summons from Rubin and Rothman was on XX/XX/XXXX in reference to an old debt from XX/XX/XXXX for XXXX XXXX  credit card. I know it is time barred and when I s/w the debt collector back in XX/XX/XXXX I told them I had no reciliation on it as it was so old, so he said he was going to put in a denial and I also mentioned it was time barred and he had no reply. Attached is a copy of the old summons from XX/XX/XXXX that they sent to me, it was hand delivered to a residence of XXXX XXXX XXXX, XXXX, NY XXXX and handed to an XXXX XXXX. I have never been a residence of this address and have I never been AKA XXXX XXXX. A XXXX XXXX ( XXXX ) did reside there with a XXXX XXXX and have no knowledge of any XXXX XXXX. 
I was a residence in XXXX County, NY first on XXXX XXXX XXXX XXXX XXXX XXXX, NY from XXXX to XX/XX/XXXX then I resided on XXXX XXXX XXXX, XXXX, NY from XX/XX/XXXX to XX/XX/XXXX and I never received any papers on this until XX/XX/XXXX after I moved to XXXX XXXX XXXX, XXXX XXXX, NY on XX/XX/XXXX. Then on XX/XX/XXXX I received a certified mail for an income execution from the XXXX County, NY Sheriff 's dept. where Rubin and Rothman are looking for me to pay a time barred debt. I have attached all of the paper work. Please advise and help take action on Rubin and Rothman for Violation of the Fair Debt Collection Practice act.. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX e-mail 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 non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Salary garnishment of almost double the debt. 
Court judgement of which I had no knowledge of a court date. 
I had another garnishment by the state at the same time. 
Retrieved the Court document after the fact which stated NOT SATISFIED by the court. 

Name of the company is Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
Hello, I opened a Huntington 25 Checking account on XX/XX/2021. 

I attached a promotion offer to my account opening for : " Get {$500.00} when you open a Huntington 25 Checking account and make cumulative deposits of at least {$15000.00} into the new checking account within 60 days. 

This offer is only available to : New checking customers. All existing Huntington checking customers, including those with any relationship ( including fiduciary ) to any other Huntington consumer checking account, or those who closed a checking account within the last six months, are not eligible. '' I have fulfilled the requirements stated and have not received the promotion as guaranteed in the terms.

Company response to consumer: Closed with monetary relief