vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: MI

Complaint narrative:
I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX : {$1600.00}

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 2022-02-14 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
BB & T Mortgage holds the mortgage on our investment property. We have repeatedly received incorrect annual escrow account disclosure statements over the past several months. Each time I have called BB & T to point out the incorrect insurance amounts. I've been on hold for hours, to be transferred to their insurance department, who confirms the anticipated escrow disbursements are incorrect and overstated by several thousand dollars. The insurance department transfers me back to the mortgage customer service line, stays on the line with me and confirms the amounts are incorrect and a new escrow calculation is ordered. But each time I receive the new/updated escrow disclosure statement it is still incorrect. On XX/XX/2022 BB & T charged us the new payment which is at least {$200.00} more than it should be because of the overstated anticipated insurance payments. My insurance payments, confirmed by both my insurance agent and the BB & T insurance department are as follows : {$2100.00} Hazard/Fire, {$820.00} flood front, {$710.00} flood rear/garage, {$1500.00} windstorm. The most recent escrow statement dated XX/XX/2022 lists the following : Hazard {$1000.00}, Flood {$820.00}, Insurance {$1500.00}, Insurance {$2200.00}, Insurance {$1000.00}. The flood insurance for {$710.00} is missing on this statement ( and has never appeared on any previous escrow statements ) and instead two " insurance '' policies are listed at {$1000.00}. I am being grossly overcharged and BB & T is unable to fix this problem despite the fact I have called in XXXX and twice in XXXX to fix the incorrect statements.

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 2022-02-14 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: ID Analytics, Inc.
State: PA

Complaint narrative:
It has come to my attention that XXXX vision has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX  vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX vision takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I mailed certified letters to TransUnion XX/XX/2022, which was received XX/XX/XXXX at XXXX and XXXX, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have 30-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the FCRA.

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 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC
State: TX

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following : Credco XX/XX/2021

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Target contacted me stating someone opened a card with my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
on XX/XX/2022 in my mail box on XXXX PM CST I retrieved a letter purporting to be from " MESSERLI / KRAMER Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : XXXX XXXX XXXX '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
No investigation was done! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RC Willey
State: CA

Complaint narrative:
My credit dropped tremendously so I pulled up a credit report. It shows that RC Willey is still an open account. Under account status and payment status itsays current. For status update it says XX/XX/2019. It shows that I have a credit limit of XXXX and used {$930.00}. I called RC Willey in XXXX XXXX, and I was told that the account was closed however, under payment status, on my other accounts it says debt included in or discharge through bankruptcy chapter XXXX, XXXX, or XXXX which it should say that too. I called my attorney and confirmed that we did put RC Willey in the bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I paid this company over a year ago through XXXX XXXX. XX/XX/XXXX. I confirmed with company. Recently XX/XX/XXXX they said I still owed, I contacted them. They have tracking number for the money transfer from XXXX XXXX but it was never put on account. They said they would call me back. A week later I got a letter, they could not get enough information and I still owed the debt.

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 2022-02-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I mailed certified letters to XXXX XX/XX/2022, which was received XX/XX/XXXX at XXXX and Experian, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have XXXX-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the 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 2022-02-14 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am a victim of identity theft. I received a copy of my credit report and found a few fraudulent accounts that need to be addressed. The fraudulent account is LVNV FUNDING LLC, the original creditor is XXXX XXXX BANK XXXX I did not open a XXXX XXXX Bank credit account. I reported this account as fraudulent to XXXX XXXX Bank who told me to contact the current owner of the debt, LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
It has come to my attention that XXXX XXXX has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
It has come to my attention that XXXX XXXX has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2022-02-14 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: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and Transunion. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their XXXX office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.

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 2022-02-14 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: NV

Complaint narrative:
On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX XXXX XXXX. On XXXX  XX/XX/2022 I received alerts that my account was reported as XXXX days past due to credit bureaus Equifax and XXXX. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX XXXX ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my XXXX day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America allege that I am XXXX payments delinquent. I have written bank of America for over seven years trying to fix this problem but they will not tell me what payments I missed. Instead they send me documents that always refer to previous payments. I need them to tell me what payments were missed so I can correct the situation. They always say a supervisor call me back. 

When someone calls me, I go through the same explanations that usually keep me on the phone over an hour but nothing ever happens. I recently applied for a loan with another company and everything went through except this, they told me I had to get this corrected with Bank of America before we could proceed. I have written and called them on several different occasions. I have requested to escalate the call to higher management, but again nothing happens. I pay my mortgage every month. They have been charging me {$17.00} for years for an inspection each month but no one has been by my house to inspect it.

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