vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-29 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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insight One Solutions, LLC
State: NC

Complaint narrative:
I just received, XX/XX/2020 a letter from Sortid Financial about a debt I never had. I immediately contacted Sortis and told them I have never had a XXXX. I do not even know the company. A customer service rep yelled at me, Youre a liar and you are going to be responsible for this loan. I am not going to be responsible for a loan I do not owe. I want Sortis Financial company and whoever XXXX is to leave me alone. I also want them investigated for trying to scam elderly to own loans that is not theirs I believe this is an attempt to scam the elderly because I have never had a XXXX  and do not understand why I am being contacted that I did..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CT

Complaint narrative:
This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MI

Complaint narrative:
I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.

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 2020-09-29 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: MI

Complaint narrative:
I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir/Madam, I purchased 2 airfare tickets for myself and for my wife to travel together on XX/XX/XXXX and travel date was XX/XX/XXXX from XXXX and airline was XXXX XXXX XXXX   XXXXXXXX charged me {$1600.00} for 2 tickets ( each one was {$810.00} ) and I have a proof of that from their website. I used my Citibank master card Unfortunately, because of Corona virus. XXXX of XXXX XXXX put banned on all pilgrimage travelers. I have the news proofs from XXXX  XXXX, XXXX XXXX and other resources news from XX/XX/XXXX. I called XXXX  but they had closed their call centers and no one was answering the phone. Till today, XXXX   don't respond. I couldn't open a dispute case with XXXX   However, I had gone ahead and open a dispute with Citi credit card. XXXX charged citicard twice for the amount of {$810.00} for 2 tickets. So, I end up opening 2 disputes with Citicard. I provided all the  evidences and Citicard disputed with the vendor and issued me a credit of {$810.00} only while all the evidences were the same for the 2nd dispute also. I called numerous times citicard services and explained and provided same documents over and over again but non of the dispute investigator paid attention on it and sticked with their one credit. I would like citicard to issue me the credit of my other portion of the transaction {$810.00}. Citicard is keep reviewing, closing and opening disputes but not paying attention and refusing me credit saying it is too old now. Kindly, help me out. I have all the detailed documents that I can provide. 
On XX/XX/XXXX. I called citicard and spoke with Citicard rep XXXX. She said she will ask her manager to reopen the case again. 

Here is citicard dispute # 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 monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I was incorrectly charged for an amount owed and never received documentation from company before collections. Company never notified me of debt owed as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays,  so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.

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 2020-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2020, I requested a 1 time, principal only payment of {$3000.00} to Bank of America ( Confirmation number XXXX ). I am trying to pay my mortgage off early, so I submit a principal only payment at least once per month. For some reason, the payment was collected as " unapplied funds '', instead of being applied directly to the principal. I called again a couple of days later to ask that this be fixed ( XXXX ). The representative told me that they would fix the issue within 8-10 days. They did not. At this point, not only have they collected the $ XXXX I sent at the beginning of the month, but they have also collected my regular payment, which is ALSO being held in " unapplied funds ''. This is getting increasingly ridiculous because now my account is flagged as " overdue '', despite them holding almost 7 months worth of mortgage payments in " unapplied funds ''. I called again ( XXXX ), at which time the representative told me that he could see my request, but it was still processing for some reason. He assures me that no penalty would come of this, even though I'm well past the grace period. It is now 29 days later and I see that they have surely applied some money towards the interest on my account, but none toward my principal. Every time I call on the phone, I spend no less than 2 hours on hold. I've sent multiple messages through their Secure Messaging System. I got a response in my personal email from an email  address that I don't recognize, and the link in the email is requesting personal information, so I don't trust it. When I go to the secure messaging system in my account, there are no unread messages for me. So if this is in fact bank of america, they need to do better about not looking like spam. I'm now currently on hold with them AGAIN, as we are now going into a second month of this and not only do they need to adjust my account to reflect the large payment I made at the beginning of the month and adjust the interest they've collected, I also need to make another payment. I should not have to do this math in my head, as I'm sure they expect me to just keep blindly making payments without them making any adjustments to my account. Customers used to be able to make these types of payments online, so I don't even understand why I need to spend hours on hold to do basic things like make a payment.

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 2020-09-29 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:
XXXX  and Experian are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX XXXX fraudulent on my 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 2020-09-29 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: AL

Complaint narrative:
I have sent three letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX and one on XX/XX/XXXX and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those accounts? 


I have also provided my most recent letter along with the tracking number that proves it arrived to Equifax XX/XX/XXXX. 
Account Name : XXXX XXXX Account Number :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2020-09-29 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR 1026.41 et seq..

Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A.

I have repeatedly complained to this agency, and repeatedly complained to PHH as the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' )  that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : XXXX declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( XXXX ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments  demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling  {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation.

Furthermore, PHH and / or its agents are willfully failing to  acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ).

The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in  violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. 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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I wired {$4000.00} to my business account at Sun Trust Bank in XXXX, Florida from my personal account at XXXX. My account was then frozen and Sun Trust did not relinquish my money. This money was wired in order to cover a rent check for my business. The check did not clear because Sun Trust held onto my {$4000.00}. I have since closed this account, but was not returned my {$4000.00} that i had wired.

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