vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: TX

Complaint narrative:
Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to 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 2021-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am seeking advice and/or assistance regarding my present situation with my mothers estate. 
I inherited the property in 2010. 
Found out about my mothers consensual loan during escrow. 
Loan company would not transfer the loan to me. 
They let me continue payments for my deceased mother. 
I removed my deceased mothers name from quit claim deed soon after that. 
I have been paying ( with no delinquencies ) since 2010. 
During that time, the consensual loan was handed off to different agencies and became a mortgage loan. 
The newest collection agency will not give me any information about the loan because they say they have no proof I am executor. 
I sent them documents at the beginning of their takeover of loan and again about a year later. 
They say they do not have them nor any record of receiving them. 
They have been accepting my payments until XXXX, which they have already cashed. ( Sometimes they cash the check extremely late in the month and Ill get a late notice ) They are now saying I ( my mother, actually ) am delinquent for three payments, XXXX ( which they have deposited ), XXXX and XXXX. My bank statement confirms all three payments were sent on time. 
When I receive phone calls from them or call them, they will only relay information to my mother, who died in 2010 and not to me. 
They have spoken with me recently trying to get the proof of executorship, but seemed to focus primarily on the deed. 
They insist I provide them with new copies of several items of paperwork which I have submitted in the past, twice. Especially the deed. 

I am now considering the possibility that they need these documents to legally transfer the debt to my name, and the possibility that, if they dont have any documentation on me, that I may not be responsible for my mothers debt after all, and that I may be relieved of further payments and, perhaps, even entitled to a refund of the payments I have been making since 2010. 

Can you please tell me if I am legitimately responsible for the payments? 
Can they take the property away from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 CXXXX 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 XXXX XXXX CARD XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-04-29 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank keeps calling me to collect debt for a credit card that has never belonged to me. 

I have told them numerous times, between my own personal court order to protect me from these types of calls, but i should not be held responsible for my ex husband 's debt. I gave Chase the correct information in how to contact him but they continue to call me and always respond " we will remove your number ''. I get called 2-3 times a day.

It's really bad when they ask for him on my number and give ME all his debt information ( how much is delinquent, total amount etc )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I am making my monthly mortgage payments to the company Loan DePot. I have been trying since XX/XX/XXXX to get a Loan Modification due to hardship. I was married and divorced in XX/XX/XXXX. Due to no longer having the additional income I advise Loan Depot I would like to modify my mortgage. I was behind in payments but I am currently caught up. My problem is that I feel the loan company is giving me the run around. I have submitted paperwork to them at least 3 times with them stating that I have missing information but I did submit all information they requested the first time, they even stated that my signature was missing and has me redo the forms all over again stating they dont mail back paperwork. So as of XX/XX/XXXX after sending the information for the 3rd time I received a letter from them dated XX/XX/XXXX that as of XX/XX/XXXX that all the needed paperwork was received and no further documents where due at that time if more paperwork was needed they would contact me within a month. Well on XX/XX/XXXX I reached out to loan depot inquiring on my status, well a few days later I received mail basically saying I need to submit all the paperwork all over again because the information I provided has expired. I have tried reaching out to them but when I get transferred to that department no picks up the phone. 
I just want to keep my home and I just really feel like they are giving me the run around and hoping I get to the point where I start making late payments again. I am trying real hard to stay current but I need help I need this modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I received several calls from a group called Medicredit. When I was finally home and answered the call, they lied and told me I owed ( I believe it was something like {$1400.00} for my original bill ). Then they told me I actually just owed {$800.00} as the hospital reduced my bill for self-pay. Then they told me that I really owed {$400.00} but they would make a deal with me and allow me to pay {$220.00} if I paid it by the end of the month. I had been paying the hospital $ XXXX {$20.00} each month and Medicredit claimed they didn't have any record of those payments. I originally agreed to pay the {$220.00} but in the meantime I called the hospital and asked them about the amount of the bill as it was not what the paperwork had been saying when they billed me and asked them what happened to the monthly payments I had been making. I spoke with XXXX in the billing dept.at XXXX in XXXX, NC. She said her records showed that I had been making the monthly payments and that I only had {$110.00} left to pay. She told me she put my account on hold that day as we spoke ( earlier in XX/XX/2021 ) because of all the questions she had about what Medicredit was saying to me that didn't match what XXXX had on their records. Since I had just received my stimulus check I immediately sent XXXX the {$110.00} balance. I have a statement in front of me from XXXX XXXX XXXX # XXXX dated XXXX where it shows that I paid them the final {$110.00} and I owe {$0.00}. After I spoke to XXXX at XXXX and she told me I only owed {$110.00} - Medicredit called again and I answered the call and explained that my account was put on hold and they denied that was true - and said they had not received anything from XXXX even though everything is on a computer. Even when I spoke to XXXX about 6 weeks ago, she said she didn't understand where Medicredit was getting those amounts from as I never owed that kind of money. Medicredit continues to call me. I just received a call a few minutes ago. This is my best recall of the information. If I thought it was going to continue even after I paid the bill I would have made extensive written records - so the dates are approximate. 
Go ahead - publish this information so Medicredit can stop lying to other people and trying to get money from them that we do not even owe.

Beware - check all your medical bills by calling the providers. If I had responded to their initial information I would be paying over {$1400.00} ( instead of the {$110.00} that I actually owed ). It is amazing that every amount Medicredit told me was a lie - I confirmed that with the hospital. 
Fact - We need national health care ( like almost every other country in the world ) for this exact reason - greedy vultures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Received 2 letters of delinquent lease account. XXXX auto finance is claiming I have {$10000.00} due on lease when creditor offered to zero account balance upon return of vehicle. They offered complete credit of payments due for early return as compensation for misreporting my account as delinquent for almost one year. They couldnt find root of problem why my account reported delinquent when all payments had been made in a timely fashion. 

I do not owe any money on this account. It should be closed with a zero balance. 

I have attempted to escalate this within their corporate office aka reps that take escalated calls. I have been unsuccessful getting a manager to call me. 

I have requested no less than 7 times for XXXX XXXX, the rep at XXXX to have a supervisor contact me to better explain the situation. 

Vehicle was returned XXXX and Ive heard from nobody from XXXX since.

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 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They repeated keep calling my number which I habe not authorized and have told them they do not have authority to call this number. Also have called after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Follow up complaint COMPLAINT ID XXXX On XX/XX/XXXX BOA single-handed decided to close my two accounts without notice. 

Today is XX/XX/XXXX, the funds have not been received. BOA has really bad services, their customer associate changes their narrative every time I call in. 

On XX/XX/XXXX, I received a photocopy of my checks. I called BOA and they promised to send out a new check. On XX/XX/XXXX BOA stated that the new check will be mailed out in 15 business days. On XX/XX/XXXX. BOA said they are not gon na send the check to me and I HAVE to wait until XX/XX/XXXX in order to receive a new check. 

This is unacceptable and I urgently need to use the money to buy my first home.

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 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
Today I received a notification through My Fico that a new collections appeared on my credit report from the company " Vance & Huffman LLC '' in the amount of {$550.00}. I have never received a single written communication from this company. I XXXX  the company and found the company. They were able to tell me the last 4 of my SSN and my name with a previous last name but they read off to me an address that is not mine. The receptionist refused to send me any debt validation stating that if she sent me anything in the mail it will only be a notice that their office holds an account and how much I allegedly owe. The original copy she told me the debt was for, I have no idea who they are and I have never done business with them. It is my right as a consumer to be provided with proof of any supposed debt that I owe and the burden of proof is on the collector. This debt does not belong to me and is damaging to my credit report. I demand for this to be removed from all 3 credit bureaus immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba XXXX. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation