vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
on XXXX of 2020 i leased out an apt unit at XXXX XXXX in XXXX Texas. When i got approved for the apartment, because of covid-XXXX XXXX, no one came to inspect the apartment. on the first day of move in i noticed the apartment had mold, vents and fridge were dirty and patio wood was scratched up, and i was getting ready to deliver my newborn baby. when i called the leasing agent that helped me she gave me a number to the maintenance. I called numerous times to maintenance about the problem but no one ever picked up, so i left a message. this went on for weeks .when i brought it up to the leasing agent she said there was nothing she could do about it because of covid they weren't allowed to come into the apartments and i wasn't allowed inside of the club house that the leasing agents worked from. i dealt with this as the months went by, but when it came to me being due for birth delivery i could no longer stay in the apartment due to health reasons. I moved out but continued to pay rent each month. when it came time to moved me and my mother cleaned the apartment and left everything how it was when I first moved in. Now the apartment is saying i broke the lease and owe {$1800.00}. i never got my deposit of {$300.00} back and they never explained why i owed that much if i left the apartment exactly how it was when i first moved in. property manager XXXX XXXX was very rude when i called and asked what was the reason i was charged so highly.

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 2023-03-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-23 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: GA

Complaint narrative:
There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB, XXXX reporting that someone have opened a Bank of America Cards on my name, last year ( XX/XX/2022 ) and have spent more than {$16000.00}. I came to know when I started getting few mails and calls, and when I checked on XXXX Credit Bureau. I also found 2 Fradulent Address as below, showing up on my XXXX XXXX XXXX reports, where I have never stayed or know. I have called Bank of America and they said they will close this account. 

The 2 Fradulent account showing up on my reports are : Address # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and Address # XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I kindly request the Bureau to do the needful, so I am not liable for this charges and my Credit History and Score stays clean. 

I can't thanks enough for your help. 
Sincerely.

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 2023-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Between XXXX to XX/XX/2023, Marcus by Goldman Sachs stopped all transactions on my account 3-4 times " on suspicion of fraud ''. 
I had transferred about XXXX from XXXX XXXX XXXX to Marcus, and from there transferred to Betterment and XXXX XXXX. 
The transactions were made in chunks of XXXX. 
First time they stopped transactions, I found that acceptable, and they verified the transactions with XXXX and me. That was fine with me. 
However, they stopped transactions and froze debit twice more, when the payment made/received was to the SAME parties, i.e. payment received from XXXX and paid to XXXX XXXX. 
This debit freeze that happened over and over againlead to some of my scheduled payments not being honored, and I faced hundreds of dollars in financial loss in late fees and charges. 
I wrote to Marcus seeking compensation for the late fee/charges but received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
This alleged collection does not belong to me. I contacted Aargon Collection on XX/XX/XXXX requesting Validation. They responded on XX/XX/XXXX with a printout on dates of services and amounts for ER, Pharmacy services for XX/XX/XXXX. 

I can not identify the documentation they sent nor do I have knowledge of this service. Furthermore, Aargon has violated my consumer rights pursuant to the FDCPA Regulation FXXXX They have reported this collection on my credit reports without going abiding by the new guidelines.

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 2023-03-23 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
received a targeted email regarding opening a consumer checking account. met the terms but still haven't been paid the promotion as of today XX/XX/2023.

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 2023-03-23 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: NV

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was approved for a forbearance on my mortgage account for the months of XXXX, XXXX and XXXX of XXXX because I was suddenly medically retired, and my pension checks did not arrive for three months. I was told to call back in the third month to resolve the forbearance and decide how to move forward. I called back, and was told that I would be able to defer my payments to the end of my loan, and that I should start making payments again in XXXX, and I would receive something in the mail in the next few months. I started making monthly payments again in XXXX, but never received the mail. In XXXX, I observed that my credit score had dropped, and that the mortgage company was reporting every payment I was making to be three months late. I called back to inquire what was happening, and was told the original person I spoke to at the end of my forbearance never submitted the paperwork to end my forbearance and defer the three months of payments. I was told it would be submitted for the deferral and to their research department to fix the errors in my credit report. I did not receive another call, so in the beginning of XXXX, I called again to ask if they had resolved it, and was told that I could email their research team with the deferral approval letter, so they could fix my credit report. The letter states that my loan is brought current, and the previous late fees that were given in error would be removed. I then received an email reply that says since the company did not submit the paperwork correctly for end of the forbearance, my XXXX payment was applied to XXXX, my XXXX payment was applied to XXXX, and so on. This has led to almost a year of payments being reported as three months late. The fault lies with the mortgage company for not submitting the end of my forbearance correctly. Since I was not notified that something was wrong, now almost a year of payments are reported late on my credit report, and my once very good credit score, is very low. I have shown the credit companies this deferral letter, but they have not fixed it, and have told me that I need a statement from the mortgage company fixing the mistake they made. The mortgage company continues to say that they have reported this accurately, when they have not. I was approved for a three month forbearance and deferral, I never missed a payment, and I was never late on the payments that they told me to make, however they are reporting to the credit agencies that I was late on every payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
During the time you serviced this mortgage can you send the activity log for this mortgage including but not limited to phone calls made and received, emails sent and received letters sent and received electronic notices sent or received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Alorica Inc.
State: TX

Complaint narrative:
I got a loan with XXXX and a portion of my loan was deposited to a savings account. I signed a contract with Seedfi stating I would receive the amount in my savings once I paid off my loan. Unfortunately XXXX sold my account to Systems and Services Technologies on XX/XX/XXXX. I paid off my loan on XX/XX/XXXX and My bank cleared the payment the next day. I was told by one of SST 's customer service representative my savings would be deposited in 14 days, another said 22 days and another one said on XX/XX/XXXX. I still have not received my savings and now another representative said I would would receive it on XX/XX/XXXX ( XXXX business days ). 
They sent me an email on XX/XX/XXXX stating my account was paid on XX/XX/XXXX which is not accurate and has me thinking they put a later date to delay depositing my savings. 

The following is information from my savings account statements provided by XXXX : My first statement Beginning Balance, as of XX/XX/XXXX : {$0.00} Deposits and Other Credits : {$2000.00} Ending Balance, as of XX/XX/XXXX : {$2000.00} My last statement Beginning Balance, as of XX/XX/XXXX : {$2000.00} Deposits and Other Credits : {$0.00} Ending Balance, as of XX/XX/XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had loaned a relative money for a home transaction in XXXX XXXX. He banks at Capitol One. Recently the house sold and he deposited the proceeds from the sale into a separate checking account at Capitol One which would be used to pay me back. First he called Capitol One to try to wire the funds to me and was told he could not do that, as the amount exceeded their individual-to-individual limit. He was initially told that the only way to get the funds to me was to mail/send me a cashiers check, as we live in different states. That was a poor idea to send a cashiers check of this magnitude through the mail or otherwise. Ultimately, after elevating the call 3 times, it was suggested that we establish a joint account ( he and I on the account ) at Capitol One and he could simply do an internal transfer from his personal account into the new joint account and then I could transfer the funds into my personal accounts. So, we did that. However, when I tried to transfer the funds the following day I learned the funds can not be accessed, even though they appear in the new joint account. I called the Capitol One phone number included in the notice and was told that there was nothing I could do to access the funds ; rather there was something that my relative had to do and only he could do, that would make the funds accessible and that I needed to tell my relative to call the bank to take the action they required. I contacted my relative, they contacted the bank late in the day. My relative was told that there is nothing he can do to make the funds accessible ; rather that both he and I must be on a phone call to the bank! As we live in different states, in different time zones and he has a very demanding job, this is difficult to accomplish. It should be illegal for Capitol One to hold these funds and make them inaccessible by the owners of the funds for no reason and keep telling us changing requirements of what we must do to access unencumbered money which belongs solely to us. I called Capitol One again to explain/complain about this and was told there was no one I could speak to at a higher level than the customer service manager I was talking to. 
Seriously, this should be illegal. I feel that the bank has stolen our funds! And also, as Capitol One has no branches in the two states we are located, neither of us can go in person to resolve this matter. Untenable situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
On XX/XX/2022 someone applied under my name through XXXX  XXXX XXXX, who I don't have an account with, for a XXXX credit card. This has negatively impacted my credit scores with at least one of the credit reporting companies TransUnion. XXXX  XXXX XXXX has reported this to their fraud division but they said I needed to report this to the credit reporting companies. TransUnion advised that they require a police report or a report made online through FTC Fraud website, which directed me here.

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