vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the XXXX credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

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 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried multiple times to talk with someone at XXXX! I have XXXX  several numbers and have gotten the same computer ... Your company is not reporting my mortgage payment to 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 2020-09-03 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: LA

Complaint narrative:
The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : ENHANCED RECOVERY # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment  of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an  attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be  assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern : I've had the credit card opened at Home Depot on XX/XX/2020 and spent {$97.00} that same day. After that is the pandemic, social distance. I did not check my mailbox for a long time, not open my mails until last month to get notice of debt collection and the amount goes up to more than {$240.00}. I called and explained to them the situation. I have a XXXX  credit card and when I was two months late they called me, I paid over the phone right away. I wish HD did the same but they did not. I tried to call the numbers XXXX, XXXX, XXXX, XXXX and talked to XXXX, XXXX from collection centers. They filed the complained and they can not resolve the issue for me. 
I was calling to see if they could waive the late fees but they are not from Citibank or Home Depot so they can not do anything about it. The phone number from Citibank, the person ( XXXX ) can not access my account so they can not waive the late fee. The number from HD, whenever I enter the account number or my SSN it directs me to the collection center. I one time can talk to someone from the HD in my first attempt last month but he also asked me to wait then forwarded me to the collection department. 
During this pandemic, everybody has a hard time and they try to get money by applying late fees without a courtesy call. I believe it's not right. They threaten me if I do not make payment by XX/XX/2020 I will face difficulty in applying for a loan/mortgage later. It's also not right. Now the new balance after I make the original balance of {$97.00} is {$160.00}.

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 monetary relief
Consumer complaint received 2020-09-03 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: HW Holding, Inc
State: GA

Complaint narrative:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, Hunter Warfield   contacted me. I again questioned the validity of the information. Hunter Warfield sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted Hunter Warfield upon which they sent the exact same incomplete  information. XX/XX/XXXX and XX/XX/XXXX Hunter Warfield sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have contacted Suntrust bank numerously since the beginning of XX/XX/2020 until XX/XX/2020 for mortgage receipts from payments from my origination date. They continuously told me to call the mortgage department but the mortgage department continuously told me to go to the bank where payments were made. I am only requesting a hard copy of my payment receipts with the payees name on them so that i can use them for another loan. They gave me the run around and then finally when i was at peaks end someone decides to help. She tried her best over the phone and even got in contact with the bank manager where the payments are made through and the manager agreed to do something. When we scheduled an appintment she accepted ownership but a bit too late and filed a paper so that we can get our needed receipts but to only call us the next day and tell us that they cant. I expected that. I have voice recording with the branch manager telling me she will order payment history with payee name on it but she couldnt come through with her promise. I lost the house i had an offer on due to the incompetency of the bank and tellers.

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 2020-09-03 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  / XXXX XXXX   XXXX  XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: GA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.

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 2020-09-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month.  Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.

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 2020-09-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -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