vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Amerihome debited my escrow account to pay my property insurance to XXXX XXXX XXXX. According to XXXX is was not received and they lapsed my policy in XXXX. I had contacted both companies and they said it was being processed. In XXXX XXXX stated the check was returned for insufficient information and they extended my insurance. It lapsed again for nonpayment in XX/XX/XXXX which I then paid for out of my pocket. On XX/XX/XXXX my loan was transferred to XXXX XXXX. The balance of the loan and escrow were transferred but Amerihome never credited the amount debited in XX/XX/XXXX from the account. In XX/XX/XXXX XXXX XXXX paid my home insurance from my escrow account ( now paid 3 times : XX/XX/XXXX by Amerihome, XX/XX/XXXX by Me, XX/XX/XXXX by XXXX XXXX  ). I was credited my payment from XXXX but was never credited back the amount debited from my escrow account in XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IN

Complaint narrative:
I was contacted by MBA law offices about an apparent health care bill that had already been closed out. I spoke with someone who continued to interrupt me when I inquired about the debts and they were quite aggressive. That said, I confirmed with the hosptial where the visit occurred who assured me that the debt / bill I had was paid in full. This is something I had confirmed prior and thankfully have the data ( i.e. banks statements ) to back this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have reached out to Equifax and XXXX XXXX about account XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

Equifax nor XXXX has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to Equifax and XXXX, ( Please see the current Federal Trade Commission Affidavit. Please attach it to XXXX as well. I added it because I forgot to add XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: IN

Complaint narrative:
I reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.

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 2021-10-29 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: IN

Complaint narrative:
I reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I put in disputes 60 days ago and havent heard from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from 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 explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. I investigated and found fraud and several violations committed by Capital One Auto Finance. A consumer credit transaction in which finance charged was involved. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B, Exhibit G and Exhibit H that Capital One Auto Finance is violation of 15 USC 1605 ( a ) regulated by 12 CFR 1026.4 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Since XX/XX/2020, Capital One Auto Finance in fact, took cash as a monthly payment as shown in Exhibit A, Exhibit G and Exhibit H and took cash as a down payment as shown in attachment labeled Exhibit A and Exhibit B. Capital One Auto Finance is liable pursuant of 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1605 ( a ) ( c ) regulated by 12 CFR 1026.4 ( b ) ( 5 ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligation loss, and or property damage. Since XX/XX/2020, Capital One Auto Finance did not include my insurance in my finance charge as shown in Exhibit A, Exhibit C, Exhibit D, Exhibit E and Exhibit F. Proof I had to obtain insurance is shown in Exhibit C, Exhibit D, Exhibit E and Exhibit F. Capital One Auto Finance is liable pursuant to 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B and Exhibit H that Capital One Auto Finance is in violation of 15 USC 1611 regulated by 12 CFR 1026.1 ( e ). Since XX/XX/2020, Capital One Auto Finance willfully and knowingly failed to provide/disclose information. Required under the provisions of 15 USC 1601. Capital One Auto Finance willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601 ( a ) and 12 CFR 1026.1 ( b ). Capital One Auto Finance is criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hello- I requested my mortgage company to remove PMI and give me the opportunity to close my Escrow account by proving the value on my home has increased past the 75 % XXXX threshold. Back in XXXX. I submitted a timely application and payment in the form of a {$320.00} check, pursuant to PHH 's instructions on ordering an appraisal. 

I followed back up this month ( email conversation attached ) and all they responded with is " be patient ''. 

I'm now approaching XXXX and they have not taken any action other than depositing my money. They are dragging their feet deliberately because they don't stand to gain anything from my PMI cancellation and closing of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Tower Loan company sent a cashable check and a family member cashed it without my knowledge. This company harassed myself and family members using a threatening manner. They also ran my credit multiple times without my consent.

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 2021-10-29 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: Continental Finance Company, LLC
State: MA

Complaint narrative:
On XX/XX/2021 there is a inquiry on my credit report from Continental Finance Company that I did not have any knowledge of or have given permission to access my report. I have tried to contact them without any success I was given the run around different numbers to call got disconnected and hung up on. My concern is this is a loan and credit card company that might have given whoever applied a loan or credit card. I am access my credit report daily and have placed a fraud alert.

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 2021-10-29 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I demanded Equifax to investigate and verify 7 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NY

Complaint narrative:
I filed a dispute over 50 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: AR

Complaint narrative:
On XX/XX/XXXX I demanded Transunion to investigate and verify 6 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )

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 2021-10-29 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: IN

Complaint narrative:
XXXX, XXXX and Transunion are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-29 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: IN

Complaint narrative:
XXXX, Equifax and XXXX are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX I rcvd an alert on my credit bureau. It showed Paramount Recovery System for XXXX not familiar at all. I called Paramount, spoke with XXXX. She said, it was a debt from XX/XX/XXXX with a local hospital. I told her, I needed something to verify this debt. She told me, it would be sent that day, to date. I have not received. This is something from 4 years ago.? I have never been contacted or sent any correspondence regarding EVER!! They haven't validated it, as requested. Contacted XXXX to dispute. It is still on my credit. I checked my XXXX today, the date this would be on my credit was changed to XXXX. Well pass the 7 years, from the original debt in question. How, would this be allowed on any credit report.? XXXX will not remove this account. How, they can validate a debt with these people, but I can't get a validation is ridiculous, XXXX, told me to file here, with consumerfinance. Paramount, seems to pull this all the time, according to the XXXX online complaint report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TX

Complaint narrative:
Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XXXX a property tax sale sign was placed in my yard, stating my home will be sold on the courthouse steps on XXXX. However, I have a FHA mortgage with Freedom Mortgage Corporation and my property taxes are escrowed and paid each month when I pay my mortgage payment. I've had my mortgage with Freedom Mortgage Corporation for almost five years and I've never been late paying my mortgage payment. When I saw the property tax sale sign in my yard this afternoon, I immediately called my County Property Tax Office and they informed me that they still haven't received my property tax payment for tax yearXX/XX/XXXX. So, I immediately called Freedom Mortgage Corporation this afternoon to inform them that my County Property Tax Office said they still haven't received my property tax payment for tax year XX/XX/XXXX and that my property taxes were due by XXXX. I had also called Freedom Mortgage Corporation numerous times early this year regarding them not paying my property taxes and Freedom Mortgage Corporation said they would process my property tax payment immediately and assured me they would mail the payment asap. Freedom Mortgage Corporation withdrew my escrow payment out of my escrow account on XXXX and was supposed to mail the payment on XXXX. However, still to this date, Freedom Mortgage Corporation has not paid my property taxes for tax year XX/XX/XXXX and they never called me or notified me at all that they were still delinquent in paying my property taxes for tax yearXX/XX/XXXX. Nor did I receive any new notices from my Property Tax Office before the tax sale sign was placed in my yard today. Freedom Mortgage said I can redeem my home after it sells on the courthouse steps on XXXX which is absolutely ridiculous, because I didn't fail to pay my property taxes, Freedom Mortgage Corporation failed to pay my property taxes for tax year XX/XX/XXXX. My house shouldn't be sold at all on the courthouse steps at the property tax sale on XXXX due to their negligence. Now, I'm about to lose my home if Freedom Mortgage Corporation does not pay my property taxes for tax year XX/XX/XXXX in the amount of approximately {$3700.00} by end of business day tomorrow ( XXXX ) in the form of a bank cashiers check to My County Property Tax Office.

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