vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The company randomly raised my mortgage from {$980.00} a month to over {$1000.00} a month. One employee said there was a tax increase, but no one else could see that information. After 6 -7 months of arguing with the company, they lowered it. But we fell behind trying to keep up with our day to day expenses. I have submitted multiple loan modification requests. I have mailed them, faxed them, and emailed them. Yet they regularly call me during working hours.. when I've answered the phone, most of the calls were dead air calls ( no one was speaking ). If there was someone there, I advised them ( not always in the nicest mannor ) that there were violating the FDCPA by calling me during known work hours. Their response was " we have no control over who gets called when. We use an automatic dialing system. '' The company constantly said that they didn't receive any of them. I submitted my last modification request, requesting to basically restart the mortgage at the {$980.00} monthly payment, but didn't hear a word about it, then received a foreclosure notice in the

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: MD

Complaint narrative:
The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 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 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion violated my consumer rights.YOU VIOLATED MY CONSUMER RIGHTS ACCORDING TO THE UNITED STATES CODE 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

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
I contacted the company via regular mail and certified mail no response back to validate the debt and it's been since XXXX.

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 card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
So I was in a payment plan. But every time I tried to contact them about the payment they would tell me my account could not be found. I was under the impression that I was making a payment but when asked for a statement they would say that there was no such thing of a payment from a third party. I was making payments threw money management international. This company was distributing money individual to all the cards including Target. I called Target and they said that i needed to call the collection company. But when i did they said that account doesn't exist. So were did all my payments go. My account should of dropped because I gave about {$320.00}.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from TransUnion of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to 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 2021-08-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
Experian removed all inaccurate address and added more that did not belong to 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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I've mailed multiple letters to Transunion disputing an inaccurate account on my credit report. I've pointed out these inaccuracies and this bureau continues to allow this inaccurate information to be reported on my account. The account that they are reporting is an old auto loan, they are reporting that I'm 120 days late when I am not in possession of the car. The open date, last date active, account type, and payment status are reporting incorrectly and are a violation of my rights. I have attached a copy of my credit report highly these errors.

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all freezes, and fraud alerts 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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: MD

Complaint narrative:
I sent a dispute letter in XXXX of XXXX. I asked them to verify the debt that was placed on my credit report. Mountain Run Solutions then sent a fake contract. I never had an account with Mountain Run Soultions on XXXX. They sent a letter stating that they will delete the account from the credit report with a discount of {$1000.00}. I have filed a complaint, still nothing. Here it is XX/XX/XXXX, I sent another dispute letter. Mountain Run Soultions then sent another contract aside from the first contract. There are two seperate fake contracts. This company is trying to collect money that I do not owe to them. Please have this company delete this information from my credit report.

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 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I had a VA Loan from Freedom Mortgage but sold my house in XX/XX/XXXX. The loan funded and my debt was cleared and there was a surplus in escrow that was owed to me. a check was sent from them supposedly to my old address that I never received. I even received a letter from them as such. 
I called their customer care 800 # on XX/XX/XXXX and requested they cancel the other check and re-issue the check. The person I spoke with assured me the old check was cancelled and a new one issued. He asked me to wait 5-7 days. One week later I called when it wasn't received and was told the old check was never cancelled and the new check never issued. He told me he would take care of it for me. Another week passed and no check. I called again and asked to speak with a supervisor. i spoke with XXXX XXXX # XXXX who assured me the fastest way for me to get my money was an ACH transfer which he was going to take care of and would be in my account no later than Monday XX/XX/XXXX. to no surprise on Friday XX/XX/XXXX it still was not in my account. I called back and spoke to the agent but asked if I could speak to a supervisor. XXXX badge number XXXX told me ACH was not possible and only a manual check could be issued. he would take care of it and call me back either that day or the following day as soon as he found out something. I still have not received the call from XXXX nor have I received my escrow money. I have done far more than due diligence in trying to get my money back and all I get from Freedom Mortgage is lies, misinformation, and subterfuge. I even requested at one point to speak with XXXX manager and was told managers do not deal directly with customers and he was the highest authority i would be able to speak with. This business practice is deplorable. Freedom Mortgage has been using my money for nearly 4 months and that is excessive. I want my money 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 2021-08-10 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My Honda Financial Account ending in XXXX is still being reported to the 3 credit Bureaus as open when account was satisfactory paid off on XX/XX/21 by law under FCRA this account needs to be deleted from all three credit bureaus for reporting inaccurate credit reporting on my credit profile and I want this removed immediately

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: LoanCare, LLC
State: MI

Complaint narrative:
I was emailed in XXXX that my forbearance was coming to an end, I called Loan Care, explained my situation and they suggested an extension.

The service member put the request in for me for an extension, and said I Should have a decision within 3-7 business days. I never received a decision. What I got was notification that now I am in Foreclosure! 
Why? How did this happen??

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have paid Citibank loan number XXXX already today I called Citi loan recovery they said I have a balance of {$3800.00} this is wrong balance of this loan is XXXX and my city bank account shows it thus is ana tempted extortion when I asked them tell me when and who charged this {$3800.00} they could not show me that The Citi recovery unit dose not bother to look at Citi bank accounts to see balance is XXXX rather they choose to report account XXXX as collection not paid thus causing be great harm by XXXX XXXX reporting it to credit bureaus as collection I can send copies of bank statement that shows its been XXXX balance this is a hate  crime so XXXX  people dont get credit and attempted extortions by wrongfully demanding money with threat of. Refit collection for non existence valance exact definition of extortion

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all freezes, and fraud alerts from my credit file.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove any and all freezes, and fraud alerts 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 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I sent letters to Capital One, Certified Mail w/return receipts, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. In the 3 letters, I made Capital One clear that I know my rights through the FCRA and FDCPA and requested validation of the debts they claim I owe, along with competent evidence that an agreement was ever made between Captial One and myself. In the first letter I sent, I specifically requested Capital One to provide me with : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Capital One responded with billing statements and a separate letter stating, and I quote, " Dear XXXX My Name }. 

Thank you for your recent inquiry regarding your application with Capital One. The application that you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience ... '' This is an extremely clear admission from Capital One that they have no proof of a paper copy of any agreement made between Me and them. Capital One also failed to provide me with all the requested information. 
I sent my second letter which informed them they had not met the validation requirements as required by law. They responded stating, " According to our records, We received your application by Internet on XX/XX/XXXX and your account was opened on XX/XX/XXXX ... '' Yet, again, they sent nothing to validate I applied for an account with them. 
I sent a 3rd letter specifically asking for a recording of the alleged phone conversation or a copy of the alleged online agreement ( since they aren't even clear on how the alleged agreement was made ) showing clear undeniable proof I agreed to acquire the debt in question. To no surprise, they weren't able to provide either and responded again stating they, unfortunately, don't have a copy of the agreement to send me. This further proves they're unlawfully trying to collect a debt I do not owe, and reporting false, unvalidatable information to the major credit bureaus ( XXXX, XXXX, XXXX ) which has caused immense damage to my credit score! They can't even specify how this non-existent agreement was made! 
Also, Capital One has somehow managed to convince the major credit bureaus this debt is validated yet as clearly documented by certified mail and multiple attempts from me, Capital One was unable to validate I owe this debt.

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:
There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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 2021-08-10 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:
There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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 2021-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation