vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I paid {$200.00} towards the debt by mailing a check XX/XX/2021. The check has yet to be cashed. Now they filed and won a garnishment hearing without my knowledge and against fdcpa protocol. 
They demanded my income, when this is only a payback. Threatened my job saying garnishment can cause my employer to fire me. They stated by law I have to do as they command. 
This has caused stress now that Im being bullied to the point I dont XXXX XXXX or XXXX XXXX. This is so stressful that Im trying to pay them. Yet they want this to go to court to get my information. They are representing XXXXXXXX XXXX XXXX and are a lawyer. Weltman, Weinberg and Reis Only one communication from them. An address to mail payments. No online portal. No over phone. They are making it as difficult as they can and bullying me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TX

Complaint narrative:
the issue was not fixed

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 2021-06-24 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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX 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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: NY

Complaint narrative:
I am writing to dispute a fraudulent account on my report. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: PA

Complaint narrative:
I have previously submitted valid Identity Theft reports to Experian, XXXX, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my 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 non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I applied for the renewal of my existing HEL/HOCL ( for {$500000.00} ) application XXXX, sometime in XX/XX/2021 thru XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.at the Huntington National Bank ( Router # XXXX ) My application got rejected due to insuffient monthly income per XXXX XXXX. 
I am retired. Hence my income is my social security pension approx XXXX per month and my MRD ( minimun required Distribution- variable ) from various tax deferred assets - multiple IRAs, my annuity + my invest incomeof assets over XXXX XXXX. I told them I can always withdraw more than MRD if and when needed.They poofaed that being 'hypotetical '!? My previous payment record is stellar. My credit score close to 800. No other liability except balance in the existing HEL of about XXXX. No other pending liability, lien of any sort. All the property taxes and Home ins premium paid promptly and on time, for the past 40+ years on the house. 
I asked for house appraisal report. They haven't provided me as required by law in spite of repeated requests on the phone and via e-mails. The bank also has NOT responded me with final response in writing with re my complaint ( XXXX ) lodged via phone on XX/XX/XXXX to XXXX XXXX XXXX on the phone. I have no other recourse, except to plead your help in this regard. Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TX

Complaint narrative:
Not mine: FCRA violation

XXXX XXXX XXXX
Closed
XXXX potentially negative months
Account Info
Account number
XXXX
Account status
Closed
Date opened
XXXX XXXX XXXX
Account type
Credit Card


XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Account number
XXXX
Collection opened
XXXX XXXX XXXX
Account type
Collection

XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
Account Info
Account number
XXXX  Collection opened
XXXX XXXX XXXX
Account type
Collection

XXXX 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 2021-06-24 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:
I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns

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 2021-06-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns

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 2021-06-24 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: OH

Complaint narrative:
he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my report XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

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

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 2021-06-24 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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$320.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My home loan was sold to loan care. Loan Care changed the late fees from my original loan. Loan Care kept the fee if paid after the XXXX of the month which was fine that is in my original loan documents. The added a {$10.00} fee if paid after the XXXX of the month in addition to the XXXX of the month. They charged that for 10 months and stopped. Why did they stop because it was not in my documents. I have called Loan Care 2 times about this, written 2 letters sent via US mail and written 7 emails ALL have gone unanswered. I want my fees returned

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 2021-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
No matter how hard I try I am unable to talk directly to my lender. Everything that is provided to me is for an additional third party company. I have also never been provided with any recent disclosures. Their rules constantly change and they have never provided me in writing any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: GA

Complaint narrative:
This account is not mine and I do not know the origins of this account. Please remove this account as its been there for some time already and its not fair towards me and my financial planning. This does not belong to me so thus remove it 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 2021-06-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

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

2. Identity Theft SEARS/CBNA Account Number : XXXX This is not mine.

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 2021-06-24 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:
I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I paid {$200.00} towards the debt by mailing a check XX/XX/2021. The check has yet to be cashed. Now they filed and won a garnishment hearing without my knowledge and against fdcpa protocol. 
They demanded my income, when this is only a payback. Threatened my job saying garnishment can cause my employer to fire me. They stated by law I have to do as they command. 
This has caused stress now that Im being bullied to the point I dont eat well or sleep well. This is so stressful that Im trying to pay them. Yet they want this to go to court to get my information. They are representing Huntington National Bank and are a lawyer. XXXX, XXXX and XXXX Only one communication from them. An address to mail payments. No online portal. No over phone. They are making it as difficult as they can and bullying me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
It shows there are 2 late payments in my Universal Card CBNA account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call XXXX to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.

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 2021-06-24 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: PA

Complaint narrative:
I have previously submitted valid Identity Theft reports to XXXX XXXX, and Transunion # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my 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 2021-06-24 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: PA

Complaint narrative:
I have previously submitted valid Identity Theft reports to XXXX, Equifax, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
Someone got access to my personal information and its ruining my credit by applying multiple accounts I don't have knowledge of what or who this could be. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: OK

Complaint narrative:
A incorrect balance was showing on my XXXX XXXX account beginning with XXXX on my credit report. I submitted a request to have my information be updated and corrected. Instead of my information being updated, the trade line was remove completely. I did not make the request and there was on reason why this should have been done. I reached out to XXXX XXXX to have this issue resolved with Experian and Experian refuses to correct this issue. I've provided Experian with documentation from XXXX XXXX stating that the information should have never been removed. It has been over a year and Experian still will not return my trade line. This trade line has never had a negative item related to it. Experian refusing to return my XXXX XXXX account does not make any sense.

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