vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: MD

Complaint narrative:
I just filled a report and cfpb said it was completed and gave me the next steps and I didnt get a confirmation email. I am just able to file another complaint because of the frustration. I have been complaining about TransUnion for years but they know cfpb does nothing but send them the complaint and they deny it and show no proof of any action to correct it. For years TransUnion had my birth date wrong and my name spelled wrong. As a result the had wrong information. I asked that they audit their information for all those years but they refused. As a result my scores there have always been well below the other credit scoring agencies. It only makes sense their scores would be more correct but TransUnions scores right now are more then 50 points below the others. Credit scores have all to do with your life whether you live comfortable or struggle. For years people of XXXX have been held down with credit scores. The Government should regulate credit scoring agencies because of how they control peoples lives. I am sure TransUnion discriminates against me and many others. I know they will deny this and come up with the different models excuse but that is exactly how they discriminate. This should be passed along to the proper agency for investigation

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: PR

Complaint narrative:
In XXXX, i hired the service of the Company XXXX, wich this company stopped providing service after the passege of hurracane Maria in XXXX. For this reason the contract is canceled. By the middle of the years XXXX the collection company MontainRun Solution reports a debt of {$1200.00} for payment no made to XXXX, its is wihout sending me any tipe of collectuion invoice. For the moth of XX/XX/XXXX, i send an explanatory latter to Montain Run Solution indicating that said charge is ilegal. At this date im not recive comunication by Montain. I call Montain Run and i asked copy of the contrac but they indicate it was no possible.

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 2021-07-26 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with Chase, XXXX, and XXXX XXXX. 

Chase : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to Chase , no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX  XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXX *XXXX  XX/XX/XXXX - {$300.00} - XXXX  XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( Chase, XXXX, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- Chase offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that Chase did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my Chase bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The Chase bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through XXXX in Chase, I failed to get it back. The Chase bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES INC XXXXXXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. EQUIFAX AND XXXX  was sent an affidavit of truth stating that I am the original creditor and EQUIFAX AND XXXX  has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave EQUIFAX AND XXXX  any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and EQUIFAX AND XXXX  is in receipt of the INVOICE I sent that shows they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: GA

Complaint narrative:
The bureaus didn't respond to my request and they failed to validate or verify the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: LA

Complaint narrative:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts 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 2021-07-26 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
Ten times they lied to me about sending me my money. It was to take between one and three days, so far it been three weeks, and the same things each time, lie after lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: LA

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove fcra violations : see attachments they don't even have my number right? 

( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Closed. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: GA

Complaint narrative:
I have tried for for over 1 year, and 6+ certified mailings to correct these invalid entries on my consumer credit file from the TRANSUNION credit reporting agency . THEY IGNORED ALL OF MY LETTERS ABOUT LEGAL COMPLIANCE. I sent them multiple Credit File DISPUTE LETTERS to correct the following errors. They ignored my letters and VIOLATED 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 2021-07-26 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: ME

Complaint narrative:
2 collections were added to my account for medical accounts. After discussing this with the collection agency, they agreed that the accounts were supposed to have been paid off months earlier, but the payments were credited to the wrong account. They also told me they sent the information to Transunion to have these incorrect accounts deleted. After a week of no progress, I started a dispute with Transunion about these accounts and one of them was deleted and the other had a result of " meets FCRA regulations ''. That was clearly untrue as it was not accurate and the collection company themselves were trying to get it deleted. I then called the collection company again, and they sent another request to Transunion to delete. Today I started another dispute, for the same account. 
It seems clear that Transunion did NOT actually do an investigation and should be made financially responsible for providing inaccurate information and for having a complete disregard for 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 explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS Mortgage will not update my account with payments from XX/XX/XXXX and they denied me the ability to make payments via the web service or over the phone.

Specialized Loan Services has continued to not credit my account for electronic payments made XX/XX/XXXX in the amounts of {$4600.00} ( XXXX XXXX XXXX XXXX XXXX ) and {$6100.00} ( XXXX  XXXX XXXX ) ( *total of {$10000.00} ) made electronically to SLS citing my account number via bill pay services from both of these banking institutions. My accounts were debited on XX/XX/XXXX in these exact amounts, however, my SLS account has shown no change. 

I called today XX/XX/XXXX to make a {$9000.00} payment and was denied to make any payments over the phone by XXXX ( teller ID # XXXX ). She would not cite any legal reasons for not accepting payment over the phone. After placing me on hold ( several times ) and referring to her management, I was instructed to XXXX payment by mail to Specialized Loan Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and given no other options. 

Payments on XX/XX/XXXX in the amount of {$6000.00} and XXXX {$8800.00} were accepted over the phone. All notes on the account should reflect my purpose to become current and make payments towards that effect. There is also an UNAPPLIED payment amount of {$3700.00} against my account which SLS has been requested to apply against the arrears amount, but has NOT COMPLIED.

SLS has consistently 1 ) Denied me the ability to be covered under COVID FORBEARANCE protection without citing specific reasons for denial 2 ) Continually and consistently coerced me to apply for their Loan Modification program, even enrolling me without my consent 3 ) Denied my ability to make payments in a timely fashion through the web or via phone - or otherwise failed to apply payments I have made to my account in a timely fashion to reflect my ambition and purpose of getting the account up to date. 4 ) Misinformed me, mislead me or otherwise misdirected me via their call center and supervisor escalations thwarting my abilities to address my delinquency in a timely fashion. 

If it were not for XXXX XXXX XXXX I would have been railroaded by SLS ' call center staff and supervisors into a Loan Modification program which I did not want. XXXX XXXX of XXXX has been instrumental by being a liaison between SLS and myself. 

PLEASE HELP ME!!! It is clear SLS ' intent was to either enroll me in their Loan Modification Program or to not accept payment and force foreclosure. 

It has always been my intent to resolve the account and bring it current. I have been stonewalled at every attempt to do that when it is not under their loan modification terms.

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: IN

Complaint narrative:
Hi. I was denied by Appfolio when applying for a unit. My names XXXX XXXX. It said I was denied for criminal history when I have court docs to show that my charge was dropped to a misdemeanor & my eviction on my account is from XXXX of 2016. Its passed the XXXX mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I filed a FTC report with Sequim Asset Solutions letting them know that I was a victim of identity theft. They have not removed the account from my credit after the request by the way if the FTC report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation