vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and 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 2021-01-14 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: NY

Complaint narrative:
I was denied a credit card that I applied for today, by XXXX. The bank claimed history of my report is delinquent and there there were too many inquiries in the last year. this was a result of my frozen accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I paid {$500.00} by credit card to start loan application. 
I supplied all requested financial information. 
I was denied the refi mortgage. 
There was an email of denial reason, but I can not open it. 
The agent will not return phone calls, emails or complaints to numerous people at Amerisave Mortgage company. 
I can not reach anyone there after three days about this. I continue to reach out to reach someone. I reapply for mortgages and agents call back. They just email to the original agent who will not reply to me. 

I want my {$500.00} credited to my credit card. 
I want to know the default in my financial record that caused the denial.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14 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: OR

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX XXXX Reported : XXXX XXXX, XXXX and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
in XXXX I paid off a vehicle loan with ford motor credit. i paid it to XXXX in XXXX of XXXX with a check for approx XXXX. On my credit report it reads " paid in full '' but in the memo or notes it says " Chapter XXXX bankruptcy '' which makes it look to the bank where I am trying to obtain a morgtae that I discharged this loan through a bk. 
I had some fraud in XXXX and XXXX, and had a fraudulent bk filed as someone tried to avoid eviction using my info which they also used to rent an apartment, the bk was dismissed due to the inability to authenticate identity. the notes on this ford motor credit account listing it as chapter XXXX  makes it appear that I did not pay this account properly and i discharged it in a bk, which i did not. i paid the account in full and in good standing. I have disputed this about 10 times to get that memo off my 3 reports, have called ford about 10 times, I dont know what else to do. all docs are attached showing bk was invalid and dismissed and has absolutely NOTHING to do with this auto loan, I need proof that this was paid satisfactorily and had nothing to do with any BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
XXXX and Experian are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am unable to retrieve my credit report from any of the agencies, whether 0nline or telephone. Impossible after numerous tries. 
When I ask for a password I am denied. When other verification & security questions arise, I am told that I have failed the verification. 
I seem to be locked out of all of my accounts. Also there seems to be a permanent freeze on these accounts.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unable to retrieve my credit report from any of the agencies, whether 0nline or telephone. Impossible after numerous tries. 
When I ask for a password I am denied. When other verification & security questions arise, I am told that I have failed the verification. 
I seem to be locked out of all of my accounts. Also there seems to be a permanent freeze on these accounts.

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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been with BB & T since around XXXX of 2019. I opened a checking account with them. First I had the Bank Manager at that time to notarize a document for employment. She didn't do it correctly. I took it back to find out that she had retired. The new XXXX XXXX XXXX refused to notarize the document when I said to him, you're making the same mistake that she made. He then said that he didn't have to do it, and didn't. I filed a complaint with the Bank. Nothing was done. Then my debit card started getting denied. They tried to say it was suspicious activity. I shop in the same XXXX XXXX XXXX to 3 times a day. I felt discriminated against because I am a XXXX woman and the Manager is XXXX The Bank did nothing about my complaint. Now I feel as if I am being retaliated against. I have spoken to the Fraud department more than 3 times in reference to them blocking my card. There is no way they truly suspected fraud. I have Bank statements that show just how much I am in the same XXXX XXXX. Now it also feels like harassment. All of my complaints with the Bank has fallen on death ears.

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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$100.00} - {$230.00} XXXX XXXX XXXX - {$4.00} - {$130.00} XXXX XXXX XXXX FI XXXX - {$2.00} - {$120.00} XXXX XXXX XXXX FI XXXX - {$7.00} - {$120.00} XXXX XXXX {$4.00} - {$110.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$120.00} CHICK-FIL-A # XXXX XXXX - {$10.00} - {$85.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$74.00} XXXX XXXX XXXX XXXX {$35.00} - {$38.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XXXX XXXX XXXX XXXX {$110.00} {$32.00} The feature is supposed to allow you to keep track of every transaction that you spend so that you don't go into overdraft but 2 or 3 days my account will go into the negative even if I see it's not in the negative 2 or 3 days before. I've heard other customers have complained about this very same issue and it's misleading. If it's an issue for your customers why not change the app? Instead REGIONS BANK changed it reversal of overdraft fees policy at the beginning of this year according to the representative I spoke with on XX/XX/2021. I, as a banker wasn't made aware of these policy changes ... unless I missed the correspondence in the mail. The policy changed but not the app ... .that 's 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 monetary relief
Consumer complaint received 2021-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I rented a car from XXXX at XXXX airport on XX/XX/XXXX -XX/XX/XXXX, daily rental fee was {$46.00} plus insurance total {$530.00}. I needed to return home earlier and mentioned that possibility to the clerk and he said " no problem ''. Later I found out that Bank of America was charged {$590.00} on my debit card as a result of returning car earlier. I was willing to pay for the original cost even though I only used the car 4 days but they gauged me with {$280.00} daily rental fee totalling to j {$1100.00} I have all documents and would like to see justice for this stealth highway robbery where they can charge whatever they like. I disputed with B of A but ended up declined. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I had my credit run and on the report there was a Collection Item. Quality Asset Recovery in the amount of {$1700.00} with a date of XX/XX/XXXX. In an attempt to get this item removed from my credit, I contacted Quality Asset Recovery to find out who this money is owed. I talked to XXXX XXXX at ext. XXXX, she told me it belonged to XXXX XXXX XXXX and had a service date of XX/XX/XXXX. I then looked up XXXX XXXX XXXX to find out which doctor I may have seen in XX/XX/XXXX. It was Dr. XXXX XXXX. I can't imagine why I would have a bill in this amount when I have always held medical insurance. I have made many attempts to contact his offices. He had two offices. One in XXXX, PA and the other in XXXX, PA. The phone continues to ring with no answer, no voicemail and/or I receive a busy signal. I have not been able to confirm that this debt is accurate. I've come to learn that this doctor had his license revoked. How can I handle having this collection removed from my credit report?

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 2021-01-14 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: OR

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX, Reported : XXXX XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
Allied Collections Services Date opened : XX/XX/2020 Collection Account {$1900.00} past due Previously disputed : XX/XX/2020 My name is XXXX XXXX. I have attempted to dispute this inaccuracy on my report with no success. I have contacted Allied Collections Services several times to dispute with the original creditor XXXX about this false collections. Upon speaking with XXXX associates, I was informed that this collection did not belong to me but my father XXXX XXXX. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit.

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 2021-01-14 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: FL

Complaint narrative:
Your agency is incorrectly stating that this account is still under collections when I have already paid off the account. Please immediately update your system to reflect the account being paid and closed and no longer listed under collections XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XX/XX/2019 Original Balance {$400.00} Status Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I have submitted to my lender an application to prevent losing my house since XXXX XXXX the lender keeps asking for documents it does not need to make its review in order to make it impossible to apply for mortgage assistance and pursue their goal of foreclosing on my home. They are asking 22 documents including my mom 's who passed away already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MS

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-14 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: NV

Complaint narrative:
On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

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 2021-01-14 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: MA

Complaint narrative:
I am writing do to TransUnion none-compliance of the CRA. TranUnion is inaccurately reporting a late 30 day notice on my credit report for XX/XX/2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to TransUnion with supporting documentation from email receipt from XXXX XXXX XXXX XX/XX/XXXXshowing payment made for the month ofXX/XX/2018 being made on time. I also sent TransUnion email receipt for XXXX showing payment made before and after the month in question XX/XX/2018 and XX/XX/2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX  this is defamation of character and willful injury under section 623  of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XX/XX/2018

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 2021-01-14 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: PA

Complaint narrative:
I was looking over my credit report and I noticed some fraudulent accounts on my credit report. the following accounts are being submitted to be blocked and deleted from my credit report.

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 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to you about the following Kimball Tirey & St John LLP account # XXXX original creditor XXXX XXXX XXXX  XXXX XXXX opened on XXXX XXXX with a balance of {$2700.00}. It was paid and reported by XXXX XXXX and the account with the original creditor was closed on XXXX XXXX with a remaining balance of {$0.00}. The account attach to Kimball Tirey & St John LLP # XXXX is wrongfully reported on my credit and is negatively effecting my credit score because of its inaccuracy. Im requesting under the CFPBs supervision that this account be removed off all my credit reports. 

Thank You

Company response to consumer: Closed with explanation