vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems and XXXX XXXX XXXX received medical debt. This debt is tied to medical information that they are not legally allowed to have under HIPAA laws and therefore the debt is illegal and should be removed.

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 — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
We refinanced our mortgage in XXXX and our lender changed from XXXX to a company called PHH Mortgage. Our first payment through this new company was on XX/XX/2021. A few days before the due date I went to go set up my new account and input all my ACH info for direct debit like I normally do for any other bill I pay online and like I previously did for my mortgage and it came up with an error popup that I could not make a payment online and had to call their phone number. I called their phone number listed and the customer service rep explained they would allow me a one-time free " courtesy '' payment over the phone this one time, however in the future it would be {$17.00} every time I want to pay over the phone in the future. They said there was no free way for me to pay my mortgage unless I wanted to put it in the mail and hope they received it, but they advised me the mail is very delayed and there was no guarantee they would receive it in time, and that to pay online I needed to sign a form they would mail to me, insisting I needed to sign it very quickly. I received the paperwork and it is a Note Amendment to my mortgage! It says in section 2 that they can charge me up to {$19.00} per payment online, it makes no such statement that this is for me to be able to pay my mortgage for free. When I called to confirm they restated the charges to pay over the form and insisted if i wanted to pay online I must sign the Note Amendment. When I asked how much it would cost for me to pay online without the Note Amendment they said that wasn't possible, nor could they tell me what the fee would be once I do sign the Note Amendment because apparently the fees are different state to state and they said there was " no way '' they could tell me what those fees would be. There is no way for me to sign up for autopay or do single payments besides to sign this Note Amendment that states I can be charged up to {$19.00} which I find excessive. They claim they are a debt collection company but their company name is PHH Mortgage and they were offered to us by our mortgage broker - if I had known they were a debt collection company and could charge us exorbitant fees just for the privilege of paying our own mortgage we would have NEVER agreed to a mortgage with this company.

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: 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach

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: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have put in a number of disputes ( most of which wont generate in their system ) about a collections account for XXXX  XXXX. I have reached out to XXXX XXXX on a number of occasions in which they have requested Equifax to remove the collections from my report. I paid this account off in XX/XX/2020 and was recently denied a home loan because of it. Even after disputing the account with Equifax and the dispute stating the account will be removed, it is still there and negatively affecting me in more ways than one. I believe this is the second complaint I have submitted to CFPB in regards to this matter. I am requesting this account be promptly removed from my credit report. Again, both I and the creditor have asked for this account to be removed

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had various credit cards with XXXX XXXX. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with XXXXXXXX XXXX were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts XXXX  and XXXX. They fixed the name on the XXXX and never the XXXX account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For more than two years, reporting this account as fraudulent, firstly through XXXX, through Synchrony and through XXXX XXXX with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Walmart account # XXXX fraudulently opened XX/XX/XXXX, with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that XXXX XXXX and Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was denied housing when I wasnt aware of all the inaccurate information that showed up on my report. In which I feel like Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MA

Complaint narrative:
Hi, my name is XXXX XXXX and i was going through my credit today again and the mail and noticed that i received basic template responses with a bunch of old statements. This does not validate the accuracy of this account and i specifically asked for all the documents pertaining to this account with XXXX  XXXX XXXX and i only received old statements. As per the consumer laws and it's provisions under the FCRA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. Also as per FCRA section 623 ( a ) ( 8 ), which gives me the ability to dispute the information directly with the original creditor or the furnisher. As you can see on the attachments, they've failed to provide me all the necessary documents that I've asked for, such as : a ) How you calculate the money you say I owe.

b ) Copies of the papers where I agreed to pay what you say I owe.

c ) The name of the original creditor or who it got transferred to.

d ) Demonstrate that you are licensed in my state, and provide this license number to me. 
Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was denied housing when I wasnt aware of all the inaccurate information that showed up on my report. In which I feel like Im a victim of identity theft.

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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I have reached out to Sequium several time to dispute the debt. Sequium claims the debt is from an unpaid service from XXXX XXXX XXXX internet account. However, XXXX  XXXX XXXX says it from not returning equipment, which I returned. 

On XXXX an XXXX  rep gave me a {$20.00} credit off the {$120.00} bill and submitted the rest of said balance to management to be reviewed for a credit. As he didnt have the authority to rectify the entire balance. XXXX, manager from XXXX called around XXXX EST on XXXX and said the bill was zeroed out. I called XXXX to confirm, it was. 

On XXXX I called Sequium. The representative was very forceful trying to get me to pay money I didn't owe. After threatening legal action and telling her the call was being recorded ( at that time it wasn't ) she allowed me to proceed to 3 way XXXX. The XXXX rep and the Sequium rep spoke to each other. XXXX reiterated the {$0.00} balance. However, Sequium refuses to remove the debt. Please see my recorded call on their refusal on XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Saw that I owe a debt that is in collections to a company I've never heard of and has made no attempt to contact me regarding it. It is also not the original creditor so whomever this company is, I don't have a contract with them regarding this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my husband drove up to the Bank Of America drive thru ATM located off XXXX XXXX in XXXX XXXX CA. He went to deposit {$1600.00} dollars for rent into our checking account ending in XXXX. When he put all the money in the deposit slot, it asked for him to remove the money ( probably because it was too much ). As he was reaching to get the money the slot closed on him. He never received any receipt or any proof of the deposit and his card was spit out. He put his card back in to check the balance to see if the money was in our account, no deposit had been received. 

He called me on my cell to let me know what happened, I told him do not leave the ATM machine and that I will get a hold of someone inside the bank for them to come out. I spoke with XXXX the manager and told him what was going on and he said he would go outside to help my husband. I called my husband and told him that the manager would be outside and while he was waiting he was telling all the customers parked behind him that he was not leaving because the ATM took his money. XXXX came outside while I was on the phone with my husband and asked him to put his card back in to try and deposit more money to see what the machine said. It said deposit was temporarily unavailable and XXXX told him to do the same thing for with drawling money and it said the same thing temporarily unavailable. XXXX told him he would have to come inside to fill out a claim. He also let us know that their is a 3rd party that comes out to fix the machine and counts the money and that it could take up to 45 days for our claim to be resolved. 

Everyday from XX/XX/XXXX to XX/XX/XXXX I called BofA claims to see what the status was and that I needed our money because we had to pay rent. All they could tell me is that they would escalate it up and that the earliest our money would be in our account was XX/XX/XXXX. On Friday XX/XX/XXXX I received an message saying that the claim had been resolved and that all money was accounted for and that no money was owed to us. After receiving the message I called BofA claims and told them about the message, they told me that all money was accounted for and that nothing is owed to us and there is nothing that they can do about it.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hard credit inquiries not done by me. My purse was stolen and fraudsters tried to obtain credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TX

Complaint narrative:
This company is sending me letters to try to collect debt that is over 15 years old. This is illegal in Texas.

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