vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CAPITAL ACCOUNTS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In attempted to read out to all credit bureaus regarding incorrect addresses and invalid inquiries on my reports however all three credit bureaus have failed to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
We have recently applied for a loan through XXXX  and the loan officer we were working with ( XXXX XXXX, NMLS ID # XXXX ) failed to communicate effectively with us. This resulted in us losing out in the opportunity to purchase the house we wanted. We have reached out multiple times and her responses would occur late in the evening after normal business hours. This made it very difficult to meet the requirements in the allotted time given. We would try to contact her during normal business hours to answer questions or concerns in which she failed to return our calls or emails. We feel this is an act of unfair business and we were not given the correct opportunity to fulfill the loan/transaction requirements.

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 2021-03-26 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: Choice Recovery, Inc.
State: IL

Complaint narrative:
I have this account choice recovery report to my XXXX  report which is not valid, i attempted to reach out to this company more than once and received no response regarding invalid response

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
There are XXXX XXXX XXXX XXXX accounts showing on my Transunion account. 

- XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX converted my account to XXXX XXXX a few years ago. There is only XXXX ( XXXX ) account but Transunion is showing XXXX XXXX XXXX XXXX separate accounts - with duplicate information. 

I've attempted on several occasions to dispute this error without success. 

I spoke wXXXX on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # 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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all not mine fCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$5600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$260.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$600.00} Highest Balance {$740.00} Terms NA Payment History

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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arbor Professional Solutions, Inc.
State: TX

Complaint narrative:
I called and requested an itemized statement from this collector along with written confirmation on the process of paying off the debt as well as the process of reporting to the credit bureaus. 

I emailed the following to the listed president, XXXX XXXX : Hi XXXX, I wanted to formally file a complaint with you just as I have done with the Michigan Attorney General, Texas Attorney General, the XXXX, and my family 's legal counsel. 

Today I called Arbor Professional Solutions to resolve a debt I acquired 6 years ago. Because the bill is so old, I called and requested an itemized statement from your company, written confirmation on the process of paying off the debt, along with the process of reporting to the credit bureaus. Once I received this information verbally, I once again asked to receive an email, letter, or even web address listing these processes and information. Most calls at business are recorded for records and training. I like to have my own copies for records as well. 
I was met with rudeness and unprofessionalism. I spoke with someone named XXXX and her supervisor. XXXX transferred me over to her supervisor without even indicating that she was doing so and her supervisor rudely said to me " Oh I'll wait since I wasn't talking '' as if I am a three-year-old. Mind you, I was on the phone with her for less than a minute before she became rude. 

After the supervisor 's statement, I asked her to repeat herself. She did with confidence. They then blocked me from being able to call the office again. I didn't get disrespectful. I didn't raise my voice or become rude until after that statement which was in response to one question which was " how am I supposed to confirm this information if you can't send anything to me? ". Feel free to have your team listen to those calls. 

The unprofessionalism from the employees within your office is preventing people from paying off their debts due to their HORRIBLE customer service. It shouldn't be a hassle to pay off a debt. I am sure there are many consumers like myself who have the intentions of paying but then are met with such rudeness. Your XXXX reviews state just that. 

Please let me know how we can remedy this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: GA

Complaint narrative:
Experian need to update the records - please see XXXX letters ATTACHED From XXXX. XXXX XXXX - ABOUT FLIP THE HARD INQUIRY TO SOFT INQUIRY XXXX. XXXX XXXX XXXX ACCOUNT CLOSED - PLEASE SEE LETTER FROM XXXX REMOVAL OF ACCOUNT. THIS ACCOUNT HAS BEEN REMOVED SINCE XX/XX/2021 FROM OTHER BUREAUS, BUT STILL EXISTING WITH EXPERIAN. DATA FURNISHER HAS PROVIDED THIS INFORMATION TO ALL BUREAUS AT ONCE. BUT EXPERIAN IS NOT REMOVING FROM THEIR RECORD.

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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
There is a collection that is unknown listed on my credit file. I requested validation and nothing has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX. Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. In XXXX XXXX Trans Union, LLC, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient has me owing a balance of over {$110000.00} in student loan I only borrowed {$54000.00} according to XXXX Navient is over charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
On Friday, XX/XX/2021, I contacted my current mortgage company, Caliber Home Loans, to notify them of my closing date with a new lender, XXXX, on Tuesday, XX/XX/2021. I requested they update the Payoff ( through XX/XX/XXXX ) to reflect the correct Escrow Balance of - {$35.00}, not {$1900.00} which reflects the XX/XX/XXXX Real Estate Tax Bill that is due. They bounced me back and forth between Customer Service & Tax Department for over 2 hours. I probably spoke with about 6 different people and can not remember all names. XXXX from Caliber 's Tax Department admitted the tax date they had in the system was wrong ( incorrectly listed it as XX/XX/XXXX, not XX/XX/XXXX ) and that they do not even have a tax bill for which a Stop Payment could be issued. She is correct, because I can not even get an updated statement from the City of XXXX as they have not issued them for the XX/XX/XXXX billing yet. The City of XXXX issued me an abatement in XXXX and I do not even know exactly what the amended XX/XX/XXXX bill will be yet, because the City has not issued those new XXXX bills and will very likely see them until XX/XX/XXXX, which is long after I close and pay my Caliber loan in full. 

I was then transferred to her Supervisor XXXX who then passed me back to Customer Service again and then transferred me to another Customer Service Supervisor, XXXX. XXXX along with the new Tax Department contact flat out refused to update the information and basically said they would not change anything and gleefully told me that they won't even discharge my loan if I did not pay the {$1900.00} escrow balance ( which is incorrect, because my escrow balance is - {$35.00} XXXX and the bill is not even owed to the City of XXXX until XX/XX/XXXX. So, now both banks are charging me escrow for the same tax bill. This is a highly unacceptable practice that puts an unfair financial burden on the borrower. I was also told by the new bank representative at XXXX that it is illegal for them to collect this additional money. I want them to be punished for triple the amount ( {$1900.00} x 3 ) they are unfairly trying to collect from me interest free, so they will be incentivized to fix their processes and not put such an unfair burden on any borrower again, especially in the middle of a pandemic where so many people are hurting financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I start to submit my application for refinance my house with my mortgage company and they give me a good interest rate 2.875 % at the time the interest rate was very low everywhere after two days they did send me The loan estimate with all the details to sign it I did sign it and send it back to them and after one week they send me the confirmation that they approved my application and they wait for the underwriter to review everything I try to call them send them a lot of emails to ask about my refinance but there is no reply from them every two weeks they send me email its on under processing and within couple of days we will send you the closing day to finish everything I tried to call the management and send them a lot of emails but there is no reply from them now the interest rate is high and the send me another loan estimate to sign it with a high interest-rate I dont want to except that because its their mistake they make me lose the time to find another refinance company was a good interest-rateSo its after six months they try to increase the interest rate and of course I can not find the good interest-rate anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
They are harassing my family and friends. Even ones that I didnt list down for references. They have a good number for me but they still call excessive amounts of times and constantly call my references and friends and family. I dont know how to get the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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