vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Collection I want to inform you that I have never done any type of business with this company that claims to have any type of debts with them. I do not know and I repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mention the legal status of an alleged debt. 3. Violation 15 USC 1692e A debt collector may not use any false, misleading or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt will cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the consumer 's prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer regarding the collection of any debt... 6. Violation 15 USC 1692d ( 4 ) The announcement of the sale of any debt to coerce the payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer granted directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if permitted by law, the creditor, creditor 's attorney, or debt collector 's attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: NC

Complaint narrative:
These medical accounts are reporting on my credit report from a third party vendor and by law credit bureau 's can not report OK legally from a third party vendor

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 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.

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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
Im filing a complaint against IC System, XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. Their phone number is XXXX. I moved out of an apartment in XXXX, IN in XX/XX/XXXX with a debt of {$150.00} to XXXX XXXX. IC System purchased the debt and violated the Fair Credit Reporting Act by re-aging the debt. On my credit report, they listed the date opened as XX/XX/XXXX, more than 3 years after the date I moved out.

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 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/21 - Disputed incoming collections account with transunions. Existing 5 year old debt was bought from previous debtor and reported as new. 

XX/XX/21 - Transunion verifies the incoming collection account as accurate. My attepts to contact them are unsuccessful. I am transferred several times before the line hangs up on 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 2021-07-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a credit alert indicating a unknown status for XXXX and XXXX on my 2 students loan accounts which hit my credit file with a hard hit and decreased my credit score by 60 points because of incorrect information sent to my credit file.. XXXX sent incorrect information for late unknown payments 1 for {$18.00} and the other for {$22.00} with a balance increased for the month of XXXX when my accounts are in a postponement status and pending with the Borrower 's Defense. I'm confused because the late payments hit my credit file back in XXXX and was a significant hit.. They have now done another hit indicating unknown and Transunion is reporting the incorrect 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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contractor signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.

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 2021-07-15 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:
In XXXX of 2021, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was denied a rental property because apartment complex ( XXXX XXXX XXXX ) is saying i owe {$4900.00} for charges that i have no knowleged of. I talked to someone at the complex and I was told that i didnt have a balance so I went an picked up a copy of the ledger showing I didn't owe a balance. I asked if they could remove it from my credit report and they refused saying that they looked a little deeper and found that i did in fact have a balance of {$4900.00} for a list of things i have no clue about. On my credit report it shows i owe a company called Hwarfield, and i have never did business with them before. I called them and asked them to explain the charges and they had a hard time doing so. I then asked if they could remove the inaccurate information from my credit report and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are Citi Bank, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. Citi bank was the only company that said they will send an email to Equifax stating that I did not give them permission to run my credit but Equifax says they never received anything.

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 2021-07-15 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: DISCOVER BANK
State: NY

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/2021, UNITED REVENUE CORP. added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, UNITED REVENUE CORP. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Apelles, LLC
State: CA

Complaint narrative:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from APELLES. APELLES has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). APELLES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). APELLES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. APELLES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). APELLES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified APELLES in writing that I refuse to pay the alleged debt and wish APELLES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since APELLES has failed to comply with provisions of 15 usc 1692 APELLES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
This is the second complaint I've had to file against Flagstar Property Loss. Flagstar sent me the final reimbursement payment from the major water damage to my condo that initiated in XX/XX/XXXX and was finally resolved XX/XX/XXXX. I paid out of pocket so that the construction could move forward and was to be reimbursed. Attached is an email of the second and final reimbursement check in the amount of {$39000.00} issued on XX/XX/XXXX. The check was received in my mailbox several days AFTER I had left the country for an extended period of time. I informed Flagstar of this several times prior, asking them to expedite the reimbursement check. Intentionally, they withheld it. I communicated with them several times while out of the country informing them that the check was valid for 180 days, I had a copy of the check and that it was in a safe holding in my home. Several times, I communicated to them that I was in receipt of the check and would deposit it upon my return. On XX/XX/XXXX, I deposited the check to my credit union. On XX/XX/XXXX, I received a notice from my credit union showing the check had a stop payment and was returned, deducted from my account with a service charge. When I spoke to the supervisor XXXX ( ID # XXXX ) from Flagstar Property Loss at XXXX PST XX/XX/XXXX, she informed me that my credit union returned the funds to them with no explanation. She further informed me that a new check was already reissued to me and in the mail as of XX/XX/XXXX. When I asked for a copy of the check and the check number, her story changed to they were currently the process of reissuing the check and did not have a check number. I asked for an email confirmation that my credit union returned the check for no apparent reason, along with a copy of the new check. I have not been provided that information as of yet. My credit union confirmed there was a stop payment on the check which was why the check was returned. Flagstar has habitually lied to me, acted negligently throughout this entire process, have intentionally withheld funds from me and now illegally placed a stop payment on a reimbursement check and lied again.

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 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
XX/XX/XXXX applied with mortgage company prior to transfer of servicer on XXXXfor a loan modification, i was given a forbearance with XXXX then loan transferred tp. they stop payments on XX/XX/XXXX last payment was XX/XX/XXXX. i am in foreclosure no sale date. I would like to keep my home since XXXX.nthis loan has been transferred five times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
Applied for a mortgage though amerisave. Was preapproved {$250000.00}. Property we purchased was XXXX. Got a week from close was denied with no further explination. Amerisave has a XXXX closing garrentee refund. Applied for that refund. Days later I was called with a conditional approval requiring me to bring an additional {$25000.00} to close. Talked to everyone from sales rep to management. And was given a work around from the very start. After talking to management they pretty much told me to get a lawer if I wanted the refund that bad. Basically saying to me that do this work around all the time and there is no way ill get that refund. Very Disgusting way of doing buisness.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief