vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This business is harassing me for a debt I do not owe. I have contacted the original creditor listed and they confirm I have no balance. They have no record of sending my account to this collection agency. As of XX/XX/XXXX, the agency has reported delinquency which shows on my credit report. Again, I have no outstanding balance, was not sent to collection, and my credit shows a delinquency from the collection agency. I want the delinquency removed and the agency to leave me alone. As I have never had any contact by mail or phone with this company. I have attempted to contacted them and have file this complaint to assist me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
A initial letter was sent to Equifax on XX/XX/XXXX. They responded with no action. 
Per. 15 U.S. Code 1681b - Permissible purposes of consumer reports In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates As a consumer by law these inquiries listed below on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already sent this letter to : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commision You have failed to comply to my request of my letter dated on XX/XX/2021. And you are now in violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently bought my car at the end of my lease with Ally. The buyout amount was {$19000.00}. I took out an auto loan with my credit union for {$20000.00}. A check for {$20000.00} from my credit union was mailed by me and received by Ally on XX/XX/2021. Since then, I have not received the title of my car for me to send to my credit union, nor have I received a refund for the overpayment of {$1200.00}. I have contacted Ally 's lease-end department several times and have been told that the 'buyout department ' is slow to respond and is not responsive to their colleague 's attempts to reach out. I made it clear that filing a complaint with the CFPB was my next course of action.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The collection on my account, which is for an incorrect amount ( I recently submitted a document directly to XXXX website showing the actual amount ), has been disputed every cycle for months now. In fact, the existence of the debt is subject to a legal dispute. To top it all off, the debt collection agency is not adhering to the Fair Credit Reporting Act on multiple points. Experian seemed to acknowledge all of this and removed the item after a series of disputes but it seems the item was duplicated. Since the original debt was incorrect, this duplication is also incorrect.

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 2021-08-10 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:
Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing. 

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.

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 2021-08-10 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:
Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.

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 2021-08-10 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:
I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-08-10 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this information.

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 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter from my CURRENT mortgage bank -XXXX  XXXX  that my loan servicing had been transferred : Details provided : XXXX would no longer accept payments for my mortgage as of XX/XX/2021. 
New Servicer SunTrust now Truist I should expect correspondence from my new Servicer-set up payments with new Servicer. 
THE LETTER FROM XXXX  STATES THAT A 60 DAY GRACE PERIOD FOLLOWING THE EFFECTIVE DATE OF THE TRANSFER OF THE LOAN SERVICING NO LATE PAYMENTS OR LATE FEES WOULD BE ASSESSED BY THE NEW SERVICER OR REPORTED TO THE CREDIT BUREAUS. 

As of XX/XX/2021 I did not have any welcome letter or account information. By XX/XX/XXXX I was worried. I called the number provided by XXXX. 
A pre recorded message stated that if your loan has been transferred to SunTrust NO ACTION is needed, SunTrust would be sending out information including account number etc. after XX/XX/XXXX. 

Today XX/XX/2021 I received A THREATENING EMAIL FROM SUNTRUST STATING I HAD NOT MADE MY XX/XX/XXXX PAYMENT AND THAT IF I DID NOT MAKE IT BY XX/XX/XXXX I WOULD INCUR LATE FEES. 
AS OF TODAY THE EMAIL IS THE ONLY CORRESPONDANCE I HAVE RECEIVED FROM SUNTRUST. see COPY OF THE EMAIL I RECEIVED BELOW-HOW CAN SUNTRUST BE THREATENING ME WITH LATE FEES WHEN I DONT HAVE AN ACCOUNT NUMBER TO EVEN CALL AND MAKE A PAYMENT OR SET UP AN ON LINE ACCOUNT, Dear SunTrust Client, This is a friendly reminder that a payment of {$2600.00} for your mortgage account ending in XXXX was due on XX/XX/2021. If you have already made your payment, please disregard this message. 

To make your payment, please sign in to Online Banking at suntrust.com or our Mobile Banking application. To avoid a late fee, please ensure payment is received by XX/XX/2021. 

We're here for you. If you are experiencing difficulties that are affecting your ability to make timely payments, please call our Client Services Department at ( XXXX ) XXXX, Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX, ET. 

Thank you for being a valued SunTrust client.

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 2021-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021or around that day I sent via Certify letter to Regional Acceptance Corp a Request of a 1099 C debt cancelation form because They are reporting a car repossesion of a XXXX XXXX XXXX  and acording to the XXXX  and XXXX  Regional Acceptance Corp is reporting an inaccurate and measleding and imconplete Information of US {$11000.00} and on the XXXX  file Regional Acceptance is reporting another inaccurate and measleding Amount of US {$12000.00} wich is a violation and this trade line must be removed or delete immediately from my credit report furthermore today XXXX I received a letter from Regional Acceptance Corp where they are sending me another different Amount of US {$9600.00} wich is another inaccurate misleading and incomplete 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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
1.Obscene/profane language : stating I owe an alleged debt ; implicating I must pay an alleged debt.

2. HARASSMENT!!! Multiple unsolicited phone calls ( x43 ) and voice mails ( I have call logs and voice mails to provide should I pursue civil/criminal litigation ). *HARASSMENT* 3.Obtaining/accepting my personal info ( phone numbers & mailing addresses ) to.

Notice, Pursuant to 15 USC 1692 - total in damages and violations : {$45000.00} If such notice from theconsumeris made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar/Mr Cooper has been misreporting late pays on my credit report. I filed a bankruptcy Ch. XXXX back in XXXX which was confirmed in XXXX of XXXX. In the court ordered plan Nationstar 's mortgage was re-written. Nationstar was allowed equal payments for a total of 10 years with a ballon at the end. The court order stipulated that there are no escrows. Also stipulated was that if any dispute arrises the court holds jurisdiction and the dispute would need to be settled in front of the court. I began making my payments promptly in XXXX of XXXX for the same amount for about nine years with no problems. This year Mr Cooper decided to violate the court order and escrow the account. When I continued paying the court ordered amount instead of their inflated amount they started reporting me late. I have reached out to the company many times at least 15, each time after I explain and they look at the account they are very apologetic and assure me that it will be taken care of because it is reporting in error. I have spoken to both customer service and supervisors and the Post Bankruptcy Department. Still it remains reporting late. I finally made a complaint to the credit reporting agencies, once I did that not only did they leave the late pays they added more late pays. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
I received contacted by a Mr. XXXX, of Centralized Business Solutions Company at XXXX. XXXX XXXX XXXX XXXX, OH XXXX regarding a XXXX medical debt back in XX/XX/XXXX. He reported that I owed a medical bill from XXXX XXXX in the amount of {$140.00}. I never indicated that I owed this debt, but I paid the amount. However, three days ago Mr. XXXX placed this debt on all three of my credit reports indicating that it was a new and unpaid debt of XX/XX/XXXX. I contacted Mr. XXXX and he refused to discuss this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
They wrote to me stating its valid but didnt provide any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
They stole my money after I paid them. I paid them {$1400.00}. Payment was due XX/XX/XXXX, paid later because there was an issue with my bank, they called me and said today was the last day to pay. I paid, they said they never got it & needed to do an investigation. 

I asked about the next 2 months payments, because I knew I paid. And wanted to continue my payments, about 3 months later after I given them proof of payment, they used my money towards something else which was a scam. 

Then they tried again, then they told me I paid 2x, I said from the beginining to check their account where the money goes they will see that they up by {$1400.00}. They never did it, so that was a tell ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
I have attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.

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