vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Park Hill Holdings
State: IL

Complaint narrative:
FACT : Im submitting this complaint myself and there is no third party involved. CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. 

They are reporting an eviction on my credit when there is no public record to be found. SAFERENT claimed to do a reinvestigation dated XX/XX/XXXX but I have had my consumer report ran through several consumer reporting agencies dated XX/XX/XXXX and XX/XX/XXXX and they all confirm that there is no judgement or public record attached to XXXX XXXX ( Exhibit A & B ). 

In fact, XXXX, one of the consumer reporting agencies attached in my evidence used BOTH CORELOGIC and SAFERENT to validate MY consumer file which stated NO EVICTION OR PUBLIC RECORD FOUND, dating back to XX/XX/XXXX ( exhibit B third page ). 

They have clearly been violating my consumer rights for years, and continuously, knowingly, willingly. This has harmed my entire life and I am forced to hold SAFERENT AND CORELOGIC accountable and enforce the consumer protection Laws.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: USCB, Inc.
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. XXXX and Transunion refused to remove. Please help

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I received an email Alert from Experian, stating a new payday loan has been found associated with my identity. No further info was provided. Experian online site suggested locking my Experian report and freezing XXXX and XXXX reports. STILL NO INFO GIVEN REGARDING LENDER NAME, LOAN AMOUNT OR LOAN DATE. Yet site suggested contacting Lender if loan isnt mine. When I called Experian, I was transferred to at least 3 different agents. All told me I had wrong department, transferred me back and forth until I hung up, and refused to tell me identity of Lender. Between agent accents and technical noise I could barely understand what was being said. I do know I was told to contact Lender but nobody would tell me who the lender is, stating that is sensitive information. I didnt take out a Payday Loan, therefore how can I contact an unidentified lender? My credit scores are very high. I do not want to lock my reports without relevant information. I insist Experian provides me with the loan information - Lender name, loan amount and loan date.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-09 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: IL

Complaint narrative:
I received my credit report and I noticed some unauthorized items they should not be in my report. These have been rough times sheeting the covid 19 crisis

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 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I was a victim of identity theft and someone stole money from my bank account which caused insufficient funds and overdraft fees and also caused my ach life insurance payment to bounce unfortunately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
Back around XXXX I refinance my mortgage. Besides looking for a lower rate, i wanted to get away from my current lender Lakeview. I feel they are shady. My first payment due with XXXX XXXX  was XXXX. I made my first payment of {$3000.00} on or around XX/XX/XXXX. This payment would be for XXXX A week or two later i was notified that my loan with XXXX XXXX was taken over by Lakeview , I received a statement from Lakeview , made a {$3000.00} payment in XXXX around the last week of XXXX, which that would be for XXXX. I noticed the statement did not show my first payment made. I reached out to XXXX XXXX, they informed me once the loan transfer was completed Lakeview would up date their records. On XX/XX/XXXX around XXXX XXXX, i believe her name was XXXX , from Lake view said she did not see the first payment made in XXXX with XXXX XXXX and was notifying another department and i was to call back around the XXXX of XXXX. I asked her ; if they would notify me directly and she said she was not sure, i should reach back out. Really, so unprofessional. XX/XX/XXXX, XXXX, I believe the persons name was XXXX was not helpful at all. She said my next payment was due for XXXX, did not see a documentation of my pervious call etc.. Last week of XXXX, i made another payment of {$3000.00} and to date my statements are incorrect. 1 ) i should be a month ahead, 2 ) should reflect 4 payment received 3 ) i told them twice, i am unable to log in to the site to see my account. I was told my tech dept i needed to wait for an email approval. Guess what, its be two months no email. 
Last week i received a statement my acct is short- {$18.00}, there fore my payments are going up. not even the option to pay the difference to keep my present payment. If someone pays the difference, their payments should not increase. This is a constant issue i have with LakeView in the past. 

I want to know where my first payment is. This loan company is so shady someone really needs to look in to this deeply. From their Customer Service to their Tech Dept. no one knows what they are doing. 

I do not have a scanner at the moment but if you require copies of my statements, please let me know and i will provide

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several disputes with Experian. Trey cant seem to get it right. My vehicle loan is incorrect. I paid a total of {$970.00} to XXXX, however Experian will not update. Trey will just close the dispute and block me from resubmitting, even after they close the original dispute. I have also requested information on a duplicate XXXX XXXX account. This account has XXXX payment history on it which is questionable.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
i like to get rid of hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
My car was repossessed yesterday with Acura Finacial Services. I sent over all information requested and have the full reinstatement amount they requested around {$3100.00}. They refused payment although I tried to pay the full amount the same day within my 10 day period the law requires them to give me. I was affected by XXXX and have been on and out of the hospital even though the website says the offer ectentions to those affected I was told after my deferment they could not help since I was pass due. Acura is not the lien holder on my coverage so a court order should have been needed I was sold my lease vehicle with liabilty which I can provide proof of they broke the law. I tried to return the vehicile 9 months back and change my contract to what they promised me but they forced me to keep the vehicle threatening returning it would ruin my credit so I kept trying I have proof of this as well .I text and a XXXX review from 9 months ago this was a retaliation! I have small children and am sick I missed 2 doctor appointments after they took my vehicle. I have since contacted my insurace and filed for full coverage although when I purchased the vehicle it was not needed according to the Director XXXX. I called 6 times yesterday and was denied to reinstate. I would like to pay and keeping my car or have a write off completed and this completely removed from my reporting due to Acura not being the actual lien holder upon my agreement and contract signing. I now have an attorney please help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: GA

Complaint narrative:
This account is paid up and no longer delinquent. The creditor is having a hard time providing updated payments and history. I reached out to them but to date they havent updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: PA

Complaint narrative:
These unauthorized inquiries and its affecting my credit report and sould be removed XXXX date of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX unable to get a response to why, online account, temporarily unavailable. XXXX, I went into XXXX Suntrust Bank XXXX @ XXXX to ask why received {$36.00} dollars overdraft fee when have no overdraft protection requested attached to account. XXXX XXXX XXXX said unable to refund. I didnt know why not. He pushes my card back throw window. I call Suntrust again ; no answers. 

I applied money prior to 5 day penalty stated on account. I pay my bills from this account and have current drafts coming out. This is wrong and scam. 
XXXX Suntrust tellers on XX/XX/XXXX state contact fraud department, XXXX ( XXXX ) XXXX, to get answers. 
I tried to contact Suntrust the entire, via phoneXXXX or email, rest of the day to strive to get questions answered. I was given the run around from number to number. One kind lady appeared to return my disconnected call, XXXX contact number, she sees I was disconnected and was looking for answers. 
XX/XX/XXXX received call from XXXX ( XXXX ) XXXX ext XXXX, XXXX XXXX. 
I returned and called XXXX XXXX ,4-5 times; left messages after she called me on XX/XX/XXXX @ XXXX. All Suntrust phone line system dropped my calls after told your wait is 25-30 minutes and recording. I have received no check of monies refunded within mail as they stated on one occasion via phone, XX/XX/XXXX. I have received no email or letter mail statement of my accounts on regular. I requested paper trail due to this scam antics. I then, asked for copy of accounts, printed off. This is the worse service ever and nothing is truist or trustworthy about this. Wow, this is unlawful and unacceptable. If I were white would this be happening. Systematic and respect of person. 
May XXXX have mercy. Thank You, XXXX in advance.

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 2021-10-09 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Don't trust TD Bank. 

I will keep this concise. 
I applied for the forbearance program at the start of the pandemic seeing as I had a new job and I didn't know how the company would handle the transition. I never used it. I kept up with all my payments. 

Sitting at 5 % I apply to another bank for a lower rate. Once they were ready they were not able to buy the mortgage because of my forbearance status. 

I call TD Bank around late XXXX/XXXX. And they remove me from the program. Reporting it will take 30 days to have it report properly on my credit. 

For 3 to 4 months the other bank was unable to buy the mortgage because TD bank did not update my reporting with the credit bearau properly. 

They even mailed me an apology letter stating that " Sorry we messed up on your credit ''. 

This cost me a XXXX dollar appraisal fee because it only lasts 3 months and now I need to pay for another and there is the difference of XXXX dollar monthly payments so I am out XXXX  of dollars. 
During this time something happened where my dad was forced to retire and we needed to wait months for a new mortgage with his retirement funds. 

So I am sitting here paying thousands in Interest on a mortgage I was unable to have at another institution because TD miss reported my credit. I've been trying to solve this for a year and no one calls me back despite them ADMITTING they messed up and they will resend the policy letter. 

They entrapped me to a mortgage and made me unable to transition to another bank locking me in higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.

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 2021-10-09 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: PA

Complaint narrative:
Unauthorized inquiries I did unauthorize from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX sould be removed from my credit report thanks

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