vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have an open and active account with the XXXX XXXX XXXX XXXX XXXX and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a half years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an open and active account with the XXXX XXXX XXXX XXXX XXXX and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a half years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
Yesterday ( XX/XX/22 ), I received a notification from XXXX XXXX that a new debt was added to my line of credit on XX/XX/22 in the amount of {$890.00} by Debt Recovery Solutions ( account was opened XX/XX/22, but not added to my credit until XX/XX/22 ). I have not received any calls or letters attempting to collect a debt, let alone any notice it would be sent to collections. My XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) has also stated they have not received any bills that they havent covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: SC

Complaint narrative:
I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX XXXX Finance XXXX XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NY

Complaint narrative:
I've tried many times to get through to Experian to see why there reporting is so off with others Different models don't calculate XXXX point differences. I'm XXXX and XXXX on my XXXX and XXXX. Shows XXXX on Experian. I've tried to get an explanation by calling and online but it's been a futile effort. It's ridiculous how 1 company could impact my current and future financial status and you can't get any answers. They try to sucker you with the boost to get your personal information. I want an explanation on why it is what it is. I want it to be corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I signed a XXXX-year lease for a residential property in XXXX, Florida. This property was leased directly from the property owner. Shortly after, the owner turned the management of the property to XXXX XXXX XXXX. I ended the lease after 9 months because I purchased a home. Upon termination, I returned the property back to the management company according to the lease agreement. However, the management company charged me for things not required under the original lease agreement. These charges included professional carpet cleaning and professional house cleaning. I also provided photo evidence of the propertys post-move-out condition and disputed the charges. The management company refused to correct the charges. The total amount in dispute is {$850.00}. This account was eventually turned over to a collection company. The collection company is Southwest Recovery Services. Over the past 2 years, I have contacted the collection agency and disputed the charges with evidence to no avail. My last written correspondence was on XX/XX/XXXX. I have also disputed the charge directly with XXXX. This too was unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion refuses to remove inquiries from companies that have no record of me ever applying for a credit line with them. They requested a deletion letter from these companies but they have no letter to send to me because I am not in their system having ever applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Hurricane Ida XX/XX/XXXX property damage reported to insurance, adjuster came out & never heard anything back. Called Carrington mtg to ask about claim. They rec 'd money from insurance & put it in escrow. I need funds to make repairs. Send out ck in XXXX, but I never rec 'd. XX/XX/XXXX I called mtg never rec 'd ck, they stop pmt on ck & issued new ck. I rec 'd ck & deposited. It bounced because it was 1st ck which had stop pmt I thought it was a new ck. XX/XX/XXXX called back asked for another ck since ck bounced.They were to express check to a physical address, never rec 'd. XX/XX/XXXX rec 'd the 2nd ck at XXXX XXXX XXXX I called mtg co & asked if it was still good, gave the ck #, it was good, I deposited it in XXXX which is bank written on & XXXX said it was no good. XX/XX/XXXX called back told me they stop pmt on XX/XX/XXXX, which is the day they said it was good, waiting funds to go back into escrow ( 15 business days ) then will reissue ck with 3 day label. Phone call from XX/XX/XXXX didn't do anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
Received a letter dated XX/XX/2022 stating there was unusual activity on my account and call them. Called XXXX called and they wanted to know my S/S number was a recording. Called XXXX number XXXX and was put on hold, waited awhile and recorder said wait time at least XXXX minutes. Checked on line seems like fraud. 

Received XXXX letters on XXXX. XXXX dated XXXX which said I was overdrawn by {$1100.00} saying I could mail a check to the below address Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Called them at a number they supplied XXXX. A women answered and asked why I called. I explained it to her and she was going to hook me up with a direct line.! XXXX I told her that line will only ask for my S/S number so she hooked me up with another number put on hold forever XXXX letter dated XXXX was a repeat of letter received on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear Official : I am the victim of a paired instance of criminal XXXX and identity theft, which was visited on me by the following entity. whose identifying information and other last known data are enumerated, severally : XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... .... Last known drivers license PA XXXX Date of Birth of XXXX XXXX ... ... ... .. Born XX/XX/XXXX Last known address for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... XXXX XXXX XXXX XXXX, XXXX PA XXXX United States Last known occupation for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ..Reverend/Minister of Religion The act of identity theft was placed on my person by XXXX XXXX, a former Reverend of a former church in linked state of his former domicile address, in the area of XXXX Pennsylvania. Further note, the mode of operation for XXXX XXXX, was the unauthorised removal of a naturalization certificate ( U.S ), which attests to my privileges and protections as a United States Citizen.

Currently, this document and the whereabouts is critically required, as there are other attempts and actual instances of fraudulent credit card charges being made in my name. As proof a current creditor keeps sending mail to my daughters adress, an address which is not my home. Information for the creditor who it appears is making arbitrary attempts on my financial strength is enumerated severally : " ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Current Creditor LVNV Funding LLC Original Creditor XXXX XXXX XXXX XXXX XXXX 
Account Number -- -- -- -- XXXX Charge off Date XX/XX/XXXX Amount Due as Of Charge off -- -- -- {$690.00} Date first delinquent -- -- -- -- XX/XX/XXXX Other information linked to XXXX XXXX XXXX XXXX We have a limited amount of time before the above referenced account is recalled from us and reviewed by a current creditor for placement with a law firm. As of the date of this letter, you owe the outstanding balance of {$690.00}. If you pay {$690.00}, the above referenced account will be considered paid in full ... ... ..... 


XXXX XXXX Account Manager XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... '' Further Comments from complaining consumer below - I am disturbed that in the wake of my report to the Police in the state where the crime took place, that the perpetrator XXXX XXXX, is able to use my identity as he apparently has been doing. Therefore, if the need is there for the involvement of constabulary intervention, please freely do so, as my health and other forms of safety are being impacted. 

Finally, thanks for considering all complaints and all the solutions your office and teams have presented to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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

XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXXXX/XX/XXXX # XXXX These accounts have violated my rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: MORTGAGE SOLUTIONS OF COLORADO
State: WA

Complaint narrative:
We submitted payment on XX/XX/XXXX for our mortgage payment. 5 days later the money was still in my bank account so I inquired with the mortgage company and they said they got a generic kickback of the payment from the bank. I then submitted payment on the phone with the representative. She stated that the account would not be marked as delinquent since payment was processing. 
Two days later I am notified by email that I have a late payment. We am going to lose our current home loan as we are in the process of purchasing a new home.

I tried to talk to the lender and resolve issue. They refused to transfer me to any other person. I called three times. I eventually got an address to send a letter overnight.

I asked for an investigation based on the conversation I had with the agent on the phone and I do not know how the process will be resolved with me. The agent told me this happens a lot. This is an unfortunate practice that is going to financially impede a home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: SC

Complaint narrative:
I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-06-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I am writing to explain the details of my communication with Moneygram since doing the transaction on XX/XX/21. 
On XX/XX/21, I used the moneygram app to send {$2400.00} to my mother, in XXXX to cover her health insurance. The money gram gave me the option to pay it into her XX/XX/XXXX bank account and on doing so, informed me that the transaction was successful and complete. It gave a reference for the completed transaction. However on my mothers end the money never showed up. On waiting for a week I called moneygram and they said they would start an investigation that can take up to 90 days. I would frequently call to check on any progress and after being put on hold for at least an hour or more would always be told they are still investigating and not to call but wait for an email.I was not allowed to talk to anyone in the investigation department, it would always be customer service that would have no further information and would rudely say you need to wait the 90 days, why are you calling I finally did hear back from them end of XXXX and was informed by email that the money did reach my mothers bank account although delayed and they would return back the {$1.00} transaction fee. On checking with my mother, the money was still not in her bank account. 
I called moneygram back and they said they would start another investigation, which could take up to 90 days again. 
In the meantime my mother went to her bank, XXXX XXXX and was told they do not accept money directly from moneygram and it usually goes through a smaller bank that then sends it to them. The bank confirmed that the money was never received. 
I continued to call moneygram to be told its under investigation but the last time I called I was told they had no information on me or the transaction. After going through a lot of departments and managers. I was told my account had been closed and there was no explanation on why. Finally I was told they would investigate and send me an email in 2-3 days on why the account was closed. It had been over a month and I was still to hear from them. I called them back today and was told my account was closed because I had gone to my financial institution XXXX XXXX XXXX XXXX Bank ) and should now communicate with them and get the money off them. XXXX & XXXX were not able to help me. 
It has been very frustrating and upsetting as this money was really very important for my mothers health and having had the run around for over 6 months has been overwhelming. It is not a small amount of money that can just be ignored, moneygram must be held responsible for it and not be able to just wash their hands of it. 
Please find enclosed the receipt of the moneygram transaction as well as a bank statement from my mothers XXXX XXXX bank showing the money was never received

Company response to consumer: Closed with explanation