vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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:
payment never late fix it or remove it FCRA law : XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX request Next will file FTC if not corrected

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 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: NM

Complaint narrative:
I had a home mortgage with Homebridge Financial Services last year ( Loan # XXXX ). This loan was paid in full as of XX/XX/2020. Homebridge has refused to send me my 1098 Mortgage Interest Statement for the year 2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XX/XX/2021 I recieved a letter in the mail dated for. XX/XX/2021 stating an owed debt of {$620.00} from Radius Global Solutions, a third- party debt collector for XXXX XXXX XXXX ( USA ). The debt was previously settled with XXXX XXXX XXXX ( USA ) on XX/XX/2021 and was cleared as PAID, therefore it is illegal that this company pursue any further action to collect debts. Radius Global Solutions was contacted via phone to resolve the debt which was paid to XXXX  XXXX XXXX  ( USA ) on XXXX XXXX. The debt collector was not willing to remove without first verifying address, social security number, and birthdate. All 3 things required to be verified in order to apply to the credit report. I also asked if they could let me know if it could actually be resolved by showing the debt was paid the supervisor I spoke with replied with, '' I can't say unless you verify the remaining information ''. Once again this debt shows as paid to XXXX XXXX XXXX ( USA ) on my credit report. 

A fourth party creditor, XXXX XXXX XXXX, to a 3rd party creditor XXXX XXXX XXXX is also attempting to collect a debt from the original creditor XXXX XXXX XXXX ( USA ) for a balance of {$330.00}. The debt was settled with the original creditor and once again this is an illlegal practice to sell a debt which is no longer owed. I'm requesting that the debt collection be withdrawn due to the illegal and unethical practices being taken.

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 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
My Identity has been compromised by someone that I do not know. Please feel free to give me a call with any questions or concerns at 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 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service
State: ID

Complaint narrative:
Action Collections is stating invalid information. I found a debt on my credit report. When I called to handle the debit on XXXX XXXX 2021 I was told that I need to speak to their attorney. When transferred to XXXX, she indicated I owed around XXXX. Of that amount {$850.00} was the debt and interest then the remaining was attorney fees. I have not received any information from Action or this attorney they have recruited to collect for them. They have incorrect address information for me and they refused understand that they were sending information to an address I no longer reside at. I paid the amount of my debt plus interest. Action Collections has made the assumption that I paid that with the " belief '' that I would be paying my debt in full. Not once did I say that. I paid the debt that I owed but I dispute additional attorney fees since I have received nothing in writing from them. XXXX refused to send me a itemized copy of said debt yet expected me to pay the full amount. Action Collections is refusing my payment under pure assumptions. I am a consumer attempting to pay a debt yet they will not allow me to. They stated in a previous compliant that they credited back my payment of {$850.00}. Why??? Why are they refusing to allow me to pay on a debt and now want to take legal actions against me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a used car on XX/XX/XXXX which is financed through Capital One. Capital One sent me a letter dated XX/XX/XXXX with an incorrect account number on it. I did not discover the account number error made by Capital One until I started receiving collection calls from them. I've been attempting since the XX/XX/XXXX to have the money I sent assigned to the correct account. I am still receiving collection calls and late fees are accumulating on my account. I have been reported, inaccurately, to at least one credit bureau as being late with my payments. 

I've called Capital One back after seven to ten business days to check on the progress of the payments being applied correctly, but they have not. The amount in question is about XXXX in payments and approximately XXXX in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: RS Clark and Associates, Inc.
State: OK

Complaint narrative:
Rs Clark and associates is still showing an unpaid balance to original creditor XXXX XXXX XXXX. I call XXXX XXXX and they confirm I have a XXXX balance and it was paid 3 years ago but refuses to provide proof. Neither company will communicate with the other and my efforts to dispute with XXXX and XXXX  were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
I filed a dispute in regards to the incorrect items on my report. Its been way longer than 30 days and I have not recieved any investigation results.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
While I made every effort to pay my debts and fulfill my responsibilities, in this instance Rausch Sturm was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " XXXX XXXX XXXX '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )

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 2021-02-22 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion XXXX XXXX  CRA & # XXXX ; XXXX On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-02-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express, XXXX XXXX XXXX, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, AMEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX For the record, many different names were used to created fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I filed a dispute in regards to the incorrect items on my report. Its been way longer than 30 days and I have not recieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize this, I've sent letters as well as called the company multiple times about it and i get hung up on. im highly upset that the pulled my credit without my authorization on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
I noticed that this was on my credit report almost six months ago. I reached out the billing agency at the hospital to let them know I never received a notice and to advise that I had XXXX that was not billed. I told them I never received a notice from a collection agency or even their facility to advise me that I had a balance. I was told I would receive a copy of the HCFA 1500 form ( which I never received ). I asked that this be withdrawn from collections and filed to my insurance but that still has not taken place. This hospital has violated my right as a consumer to dispute or even validate this debt within a 30 day timeframe but I still have not received validation. I have disputed this account several times through the three credit bureaus to which, this has never been XXXX XXXX on my credit report. I see that this company has currently been sued and I plan to seek litigation myself if this is not removed from my credit file immediately due to their several failed violations.

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 2021-02-22 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: GA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I previously complained and you closed the complaint as the company ( Mr Cooper ) responded. However I was not satisfied with their response as they did not solve the problem and have not done what they promised to do - refund my overdraft costs caused by them taking an unauthorised payment ). 
The company appears to still be making excuses and their facts are not correct. They only advised me of their email address after me asking for it twice - they did not volunteer the information easily. It is a very long response but I don't agree that their intro letter was clear about the autopayment - it did not state exactly what they have said. Also, the point about the payment being short appears to be another excuse - the escrow payment was significantly increased from last year and this was not clearly communicated in the changeover. I have sent the bank statements as proof of costs incurred and hope that Mr Cooper will honor their promise to refund these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, and Chase are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX JPMCB CARD XXXX For the record, many different names were used to created fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: GA

Complaint narrative:
XXXX XXXX, Bank of America, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX BANK OF AMERICA XXXX BANK OF AMERICA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX For the record, many different names were used to created fraudulent accounts.

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 2021-02-22 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was shocked to find late payments on my credit report. It's unfair because I have NEVER missed a payment. 

30-days late XX/XX/2019 30-days late XX/XX/2019 I'm not sure how this happened. I believe that I made my payment to you when I received my statement. My only thought is that my statement did not get 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