vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I was looking to get a quote but when I gave them my name and address they started a application without my permission. I contacted them soon as I got the email from them stating they were starting a application. I told them their ad was misleading and I didn't want to apply for a loan with them. They contacted me right away and said they would cancel the application. That wasXXXXXXXX2020 then today I got a copy of the credit report they ran on me. I didn't give them permission to do so. The company is AmeriSave Mortgage Company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I sent a debt validation letter to Transworld Systems , Inc requesting to verify two debts in the amounts of {$450.00} and {$63.00} that do not belong to me on XX/XX/2020 and the company has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2020 which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TX

Complaint narrative:
An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXX XXXX  XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XX/XX/XXXXsent to an address that I have never lived at. Despite my claims and disputes XXXX, XXXX  and Transunion continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, XXXX and Transunion notifying them that XX/XX/XXXXis not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three  occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, XXXX and Transunion that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.

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 2021-01-27 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: TX

Complaint narrative:
An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XXXX  sent to an address that I have never lived at. Despite my claims and disputes XXXX, Equifax and XXXX  continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, Equifax and XXXX  notifying them that XXXX  is not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, Equifax and XXXX  that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have been a Continental Finance XXXX  Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. 

I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and Continental Finance reported me being 30 days past due for thirty-five dollars ( {$35.00} XXXX. 

Continental Finance had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. 

They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.

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 2021-01-27 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: FL

Complaint narrative:
I requested my credit report annually to check my credit status, reviewing the contents I come to across numerous reported debt that does not belong to me, I tried contacting the companies i got transferred around and never got actual person to help provide explanation / resolved how those accounts end up on my credit report. I strongly believe some unknown person got to my personal information fraudulently and used it. my goal filing this report is to have those delinquent accounts removed from my credit reports, at once i can get my good credit standing back.

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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was granted a loan modification which included exuberant fees in the amount of XXXX in addition to the past due mortgage payments. I had no problem paying the missed payments, however, the additional XXXX was excessive and Bank of America took advantage of me when I was vulnerable and in a financial bind. This has put me in a horrible situation. Im severely underwater and cant refinance my mortgage to a lower interest rate. If Bank of America hadnt added on excessive fees in the amount of XXXX, I would not be underwater!

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CO

Complaint narrative:
I received a bill in the mail for {$2100.00} from American Coradius International LLC Toll Free XXXX, Claiming that I owe XXXX this amount, and if it is not paid in full then it is going to be sent to collections. However, they want me to pay THEM. 
They asked for my email, and I refused to give it to them ( because I suspected it was a fraud ), and they gave me the email that they have on file. I confirmed it is not my email. They told me that I can ignore the bill. I insisted on having a confirmation that I do not owe anything to this company. They refused to provide me with one. 
They also asked for my social security number ( I refused to give it ) and they also asked me for my birthday, ( I also refused to give it ). 
They said that they will report and put an investigation into my case from XXXX. 

I believe this is a fake company trying to get me to send them money. I see online that 62 other reviews also say this company is a scam. They need to be closed down. 
The address they have on file is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AZ

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX  any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards 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 2021-01-27 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: AZ

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards 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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I was approved for Capitol One card, but the approval process requires a nyc Drivers license. I have offered them amedicadcard. Which they. Would not accept. How ever I had a card from when I ivedd in XXXX nd can prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: 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}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -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 2021-01-27 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: 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}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. JXXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, Sentry Recovery and Collection reported a collection account for XXXX XXXX XXXX in the amount of {$140.00} on my credit bureau file. On XX/XX/2020, I sent a letter to Sentry Recovery and Collection disputing the debt and requesting validation ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Sentry Recovery and Collection has never contacted me or sent any information regarding the validation of this debt. Sentry Recovery and Collection has violated multiple FDCPA laws. Sentry Recovery and Collection has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I have filed a complaint with Florida Attorney Generals Office and included copies of all correspondence. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.

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 2021-01-27 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: TX

Complaint narrative:
Equifax refuses to investigate fraudulent unauthorized inquiries after several disputes. The last dispute was XX/XX/XXXX  and today is XXXX and no investigation. 

I request these fraudulent unauthorized inquiries and I request to delete them ASAP. Yes I have tried to contact the creditor and they dont have any record I signed a contract with them as required by FCRA. 

The unauthorized inquiries are : XXXX XXXX ON XX/XX/XXXX  XXXX XXXX XXXX on XX/XX/XXXX  XXXX XXXX XXXX  : XX/XX/XXXX  XXXX  XXXX  ON XX/XX/XXXX  Global Lending Services on XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Told them couldnt pay because of Covid. Trashed my score and withdrew thousands from my checking to pay for the credit card without my consent.

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