vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: PA

Complaint narrative:
Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX XXXX  Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: UT

Complaint narrative:
Lockhart , Morris & Mont called me originally back in 2018 for this debt and when I had originally discussed this with them, I asked them for the original documentation in details about the payments that had been applied for this debt that I had paid before it got sent to collections, because I did not agree with the amount they said i owed. I went back to the originally creditor and asked them for a statement of account in which they refused to provide to me and said it went to collections, therefore it was no longer up to them and that I needed to deal with the collection agency for all matters. 
I recently sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they responded within the 30 days, however, they did not respond with the information that we asked and within their response, they stated they are responding to the request for VERIFICATION which is not what I requested at all. At the top of the letter in bold and capital letters it states, REQUEST FOR VALIDATION, NOT VERIFICATION. In their response, they sent paperwork back for the original debt, but had only summaries of the debt not complete calculations of the ins and outs of the payments received, amounts reapplied, or even where this random shipping and handling charge came from. 
I sent a 2nd letter informing them they that they did complete what was requested, and even included their original response documentations with markups of what we were requesting along with another letter. Their response came shortly after only to be the exact same documentation with NO CHANGES OR BREAKOUTS like asked. Again their letter back states they are responding to my request for verification when i asked for VALIDATION. 
Validation of debt and verification of debt are two separate things when it comes to credit and debt reporting. 
I wanted break downs of the dates my payments were made, why their summary said no fees yet their total summary on a different page has late fee 's but no explanation and they have a shipping and handling charge of {$150.00} that I do not know anything about and I am not being given any information about this either. Especially since I have asked for them to provide the information as to how I acquired the debt and how they got their calculations. Within the 2nd letter sent back to them, on page 7 there are multiple notes pointing out the discrepancies within this billing and they have not provided me those calculations or information about how they came to be. Especially the shipping and handling fee of {$150.00} since this is a student tuition debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these 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 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in XXXX business days. I sent everything via certified mail on XX/XX/XXXX. 
The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. 
The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned 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
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$830.00} / XX/XX/2021 XXXX XXXX/ {$550.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made {$200.00} x2 {$400.00} charges om my credit card ending in XXXX then I issued a refund to the same card and paypal zettle can't find my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One is negligent. I made a payment for {XXXX} on XX/XX/XXXX. It cleared my business account on XX/XX/XXXX and its still not showing up as an available credit. I called to complain and understood that it would show up by the end of the day. Its the end of the business day in my time zone and my money is not there. I sent them proof that the funds were paid out. If I have to close my business because I can no longer operate, Im suing Capital One for gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I submitted an application for a short sale with my lender in XXXX of 2021 I have an FHA and fully understand that I would have to be reviewed for retention options prior to being reviewed for a short sale. I submitted all required documentation with the help of an authorized 3rd party. I have on 4 different occasions been asked to furnish the same documentation over and over. I am still being perused for mortgage payments. I have a buyer who is under contract and willing to purchase the property. They continue to ask me to submit the same documents over and over and switch XXXX individuals each time and each new one says they no longer handle it. Please assist with having the lender review the documents so that this isn't continuing to be a further hardship. I am a single mom with major obligations and this property has been empty since XXXX of 2021. Also, I am not receiving any letter with status update I only find out if I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: AmeriCollect
State: NJ

Complaint narrative:
I XXXX XXXX sent in a notarized debt validation letter via usps with ceritfied mail with signature receipt # XXXX XXXX XXXX XXXX. Which was signed by a XXXX XXXX on XX/XX/2021. I sent in a debt validation 15 US Code 1692 ( g ) ( 4 ) ( 5 ) ( b ) request a signed and contract between Americollect XXXX XXXX, XXXX XXXX XXXX WI XXXX. AMERICOLLECT was asked by the consumer to remove damaging information from my credit file upon receipt of my letter. Since sending in my debt validation letter to AMERICOLLECT they have sold the debt to a different debt collection company however still furnish misleading and demanding information to my credit files.As per 15 US Code 1692 ( a ) ( b ) ( f ) abusive deceptive and unfair debt practices by a debt collector. 15 US Code 1692 ( f ) ( 1 ) unfair practices. I am seeking remedy for these damages as per 15 US Code 1692 ( k ) Civil liabilities ( 2 ) ( A ). Not responding in a time fashion to my communication attempts to remedy this issue. OTHER VIOLATIONS WARNING 15 US Code 1611. I contacted XXXX to have the information updated and or removed to no avail.Waiting on this company to comply with the comsumer and remove or update files and to stop furnish this damaging information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I received an alert on my credit report saying I owed Columbia Debt Recovery {$7200.00} in collections debt. This claim is wrong and I have reported the claim as fraud to the company and in order for them to process my request, they said I needed to file an FTC complaint and then have it notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Premium Credit Bureau
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  pulled a hard inquiry on my credit without my consent. I signed up for their services for credit repair but instead, they messed up my XXXX and XXXX credit score even more. I called them on XX/XX/XXXX to have it removed ; they told me in the confirmation email I received in XX/XX/XXXX that it states their services require a hard inquiry. I read them the email, and there was no indication of hard inquiry. So they told me to dispute it through XXXX and XXXX. I recorded the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NY

Complaint narrative:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received a yearly analysis on my mortgage dated XX/XX/2022. On XX/XX/2022 I contacted XXXX  mortgage aka XXXX Mortgage I spoke to XXXX as an on shore agent in the U. S. at XXXX PM. I told her I had a shortage as my home owners insurance had gone up ( prevalent in Florida ). That I would pay at the end of XX/XX/2022 the shortage and Beginning of XX/XX/2022. She noted the account ( or said she would ). I made my XXXX payment of {$660.00} and assumed all would be well. 

On XX/XX/XXXX I paid {$1300.00} toward my escrow shortages and an additional {$500.00} as I had stated I would on XX/XX/2022. When I went in to also make my regular payment of {$660.00} that was due on XX/XX/2022 I was alarmed to see the monthly payment was now {$800.00}. and change. 

I called on XX/XX/2022 inquiring about the note that was made on my account but did not receive a direct response to that, only that they person/s would recite what the payment was, escrow etc. Still not getting anywhere I asked for another escrow analysis. I was told that I would need to wait 7 to 10 days.

I know how these companies work, especially these two combined companies. If I wait for them to do anything, my payment will come due and I will be paying even more money out and on top of it I will have a late payment. 

I called again today, supposedly speaking with an escrow XXXX escalation person named XXXX which was my third connection in a line of people today. He states that they can not change the escrow analysis that it is against the Federal Law... .Okay not believing that. He also states that if I wait until XX/XX/2022 he will send me an email letting me know if they will change my payment back to {$660.00}. I told him that if XXXX does not change back my payment to {$660.00} then I will pay my own home owners insurance going forward and they are to send me back {$3400.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). I still have XXXX weeks to get my payment in by XX/XX/2022. The current escrow which is as of this date {$3500.00} ( that leaves {$97.00} in my escrows ) and I will pay my own home owners insurance. They can keep collecting my taxes. 

What I would like is my payment to go back down to what it was as of XX/XX/2022 {$660.00} or lower if I am going to pay my own home owners insurance. 

They have more than enough money in the escrow account which is {$3500.00} this amount does not include my XXXX payment as of yet for escrow. Plus an additional XXXX more months through to XX/XX/2022. If my taxes are less than {$1200.00} a year and they are collecting in excess of this amount, they will have over collected. I can not get anyone to listen to what I am telling them. It is falling on deaf ears. 

Worst of all is my payment will not be made during the time I usually make it. Between the XXXX and the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
My mother sent me money on Cash app and she sent to the wrong cash app I dont have the phone number or debit card number to get into the Cash App anymore and cash app will not release my funds to me or my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Services keep calling me at least once a day and up to 3-4 times a day. They have also called my employer to try to collect a debt and this is against my rights and they have no reason to call my employer. I have asked them to send me any paperwork regarding the debt however I have not received any paperwork nor have any collection remarks on my collection report from Portfolio Recovery Services. Below are the dates and numbers they call me from. They have used at least 20 or so different numbers. 
XXXX - XX/XX/22, XX/XX/22, XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 The harassing and continued calling needs to end. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-04-04 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX has violated numerous laws. Ontop of its frivolous violations of regulation E and settling its lawsuit i brought against them and then breaching the agreement in fraud. They intentionally and punitively reported incorrect information to early warning systems and then XXXX XXXX, the high ranking Managing Director in the Legal Department who oversee litigation for Consumer Banking has accused early warning systems of violating the fcra and strictly blames them.

Company response to consumer: Closed with explanation