vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I notified the company that my identity was stolen during the experian and XXXX XXXX breach. And provided documents to prove that now they are sending letters of taking legal action and damaging my credit every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by XXXX. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
For the past year, Roundpoint has illegally charged my escrow and monthly payments XXXX the actual property taxes on my house. 
I have asked them for assistance. 
Either they do not answer their phones, or they have an undertrained operator say " I don't know how to change this. '' Every month that they cheat me with inflated tax charges in my monthly payment, they short my principal payment. 
Can anyone at CFPB please help me? 
We have had this problem previously. 
Can't you discipline Roundpoint or correct their dishonest practices? 
Roundpoint continues to cheat 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2024 I received a call from a representative of Citibank requesting authorization for wire transfers totaling the amount of {$9900.00}. I did not recognize these transfers as legitimate therefore, I did not give my authorization, and suspecting fraudulent activity, the bank suggested I close the account for security reasons. Despite explicitly not authorizing these transaction the transfers were allowed to occur.

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX XXXXXXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Newly account restricted and funds held with no explanation or steps given to remedy. Account number 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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/20XXXX XXXX XXXX XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/year>, Fair Collections and Outsourcing INC. placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
someone opened a account with capital one for a credit card i told them so many times it was not me and now its on my credit report and i would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXXXXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I submitted a mobile check deposit. The check pertained to my tax refund from the IRS. 

That same day I received an email stating that " The check amount or payee has been altered ''. This is a criminal offense. The bank is claiming that I am engaging in fraud. 

I called that same day at XXXX to request more information. I was told that the notes from the transaction indicated that the information " didn't match their records ''. I asked the agent what records they were referring to and she said that it might be something from the IRS, to callback the next day to the fraud department to get more info. 

I called the next day, XX/XX/XXXX as requested. I was told by the agent that this was a personal decision made by leadership, and I couldn't have more information, and to cash the check else where or send it to them over mail. 

I insisted that 1. I wouldn't send it over mail since I had no proof that they would deposit it after everything that has happened. 2. That I deserved information about why they so freely claim that I am committing a federal offense. 

They continued to state that this was a " personal '' decision from leadership. 

This is unacceptable, and not how a financial institution should operate. 

I request that they disclose exactly why they are profiling me as a criminal, and to immediately resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I notified the company that my identity was stolen during the XXXX and XXXX XXXX breach. And provided documents to prove that now they are sending letters of taking legal action and damaging my credit every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
Account in question : Onemain XXXX  Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, Fair Collections and XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

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 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Caliber Home Loans did a XXXX Modification on my home back in XXXX I fill out Application and Modification was approved, about XXXX  months has passed and I received a letter stating my mortgage was increasing due to me not paying my XXXX Fees and my escrow was in the negative the Caliber paid over {$8900.00} from my escrow because they received a letter from my XXXX XXXXXXXX XXXX that I have not paid any XXXX  Dues. On completing my Caliber Home Loan XXXX, I stated I did not have any outstanding XXXX Dues and I attached a copy of Cashier Checks from my back. In total XXXX XXXX XXXX  received over {$14000.00} of XXXX dues. Caliber Homes never asks the customer anything regarding payment to XXXX  dues. Instead, Caliber Home Loans pay XXXX dues on top of what I have paid. In turn, my mortgage lender has changed over to XXXX XXXXXXXX XXXX I have several documents that I was told to fax in a know one has never responded. This brought great XXXX  to me and my Finances. I am about to lose my home. I have every copy of Cashier checks banking statements emails and copies of cashier payments to my XXXX XXXX XXXX and my current Mortgage XXXX XXXX XXXXXXXX XXXX  XXXX. I have done everything to resolve this issue with no prevail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
My XXXX  and I requested that a Secondary Beneficiary be added to both our Checking and XXXX account. We wish to make our XXXX the secondary beneficiary. Ally bank does not offer this. You may only add a beneficiary then assign percentages.

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Fair Collections and XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to dispute the following Charge Off on my credit account : XXXXA This is a loan I had through XXXX and was making regular monthly payments. XXXX then sold this loan to a third party, and I was not afforded proper notification this loan was sold nor to which institution. The new institution failed to contact me to resume payments. As such, the account went unpaid until it was charged-off. This has negatively impacted my credit and impaired my ability to obtain loans and credit cards. 

Additionally, the XXXX  clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! The company also failed to provide me with a 1099-C for tax purposes.

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Received a copy of my credit report and items that were the result of identity theft. I want the items removed they're not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Fair Collections and Outsourcing INC. placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

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 2024-05-02 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
TranUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, There is a report in my consumer report that is a result of identity theft. I did not provide written permission or instructions identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to be blocked is not being made in error ; nor is my request to block being made on the basis of a material representation of the fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you 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 non-monetary relief