vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX  XXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX  XXXX XXXX is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX  XXXX XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.

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 2022-03-30 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: MS

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: DC

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
13 overdraft fees charged to my account for transactions that are DOUBLED, listed as both gone thru and then listed again as pending!

Along with my overdraft protection has been turned off, so my fees are {$36.00} instead of {$12.00} each!

Transactions with no name or identification, with amounts we never spent!

NO EXPLANATION!!!!!! NO RESOLUTION!!! 

I am being charged fees for transactions that should not even be there!

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 2022-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PlusFour, Inc
State: FL

Complaint narrative:
I do not feel comfortable giving this company more of my information to use against me. This company has already claimed I lived in a XXXX store, which is illegal and impossible. 
PlusFour illegally changed my address in their filing system and failed to follow the law by removing the inaccurate collections from all three credit bureaus.

If the CFPB and XXXX  are unable to help, I will be forced to engage all parties in litigation ( defamation, slander, fraud, lost wages/time, etc. ). However, I feel the easiest path for all parties is to remove this illegal and unauthorized collection account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX I have made a complaint regarding my insurance back in XXXX I got a response back telling me that my insurance is canceled but I see now in my statement it shows its already paid but its not so I called my insurance to check if its paid and they told me that my insurance is apparently cancel but in my statement it apparently shows me that they made the payment on XX/XX/XXXX and now they returned my payment on XX/XX/XXXX but it has never been paid because I called my insurance and they inform that they never sent the payment to them also in my escrow disbursement history shows that they put {$2800.00} in my escrow disbursement history but it doesnt exist but in my statement they are adding my {$2800.00} to my loan so now I dont have enough money to pay any insurance because they are adding my money the {$2800.00} to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 ENERBANK USA company used my social without my authorization. XXXX XXXX Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.

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 2022-03-30 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: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX used my social without my authorization. XXXXXXXX XXXX  Is another company and CREDCO. Also XXXX XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.

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 2022-03-30 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: TX

Complaint narrative:
File # XXXX XXXX, XXXX XXXX I received a response from the TransUnion regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from TransUnion regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on WWW.TransUnion.COM/LEGAL/PUBLIC-RECORD. 

Based on the information I gathered on the website it was " XXXX '' that furnished the erroneous item to TransUnion. This was taken directly from TransUnion 's website " For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX I then again contacted XXXX about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on TransUnion 's website, XXXX reported that unverified information to TransUnion. The date my credit report was updated by TransUnion was XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: DE

Complaint narrative:
I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.

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 2022-03-30 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: DE

Complaint narrative:
I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.

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 2022-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
On XX/XX/2022 Halsted Financial Services LLC, contacted a relative of mine via email to try to attempt to collect on an alleged debt of mine they had bought from the original creditor. They disclosed all my information including dates and amounts owed by me to this relative that is not my spouse or myself which is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: WI

Complaint narrative:
A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: SC

Complaint narrative:
Americollect has been sending me collection notices in the amount of {$370.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I purchased a home using my VA Loan in XX/XX/XXXX. In XX/XX/XXXX I received a letter from the XXXX of XXXX informing me new construction home had incomplete permits & construction. Apparently the XXXX XXXX XXXX got into a disagreement & the three homes on this lot were allowed to be purchased & occupied without disclosing to the buyers these homes were completed per plan & code. 
The city sent a letter to myself and another veteran family that we were now responsible for getting the project completed and up to code. I'm requesting your assistance in resolving this matter with the XXXX & XXXX XXXX so I may live in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I participated in the COVID relief program from XXXX. Mortgage payment is {$1400.00} monthly. $ XXXX {$16000.00}. In the month of XXXX I entered a mental health/chronic pain facility for 2 months. Upon returning home I discovered that the forbearance period was up and that I owed for XXXX. Unfortunately I was waiting on XXXX insurance to pay out and fell a little more behind. Once I received my back pay I paid my mortgage in the amount of on XX/XX/XXXX in the amount of {$14000.00} to catch up for current months due and pay ahead. I also moved some partial funds to equal another months payment. After that I paid 2 more payments {$1400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX. At that time I was told my mortgage was paid ahead through XXXX first. In total I paid {$9800.00} which should have covered XXXX. I was advised on 3 different calls that my payments were being applied towards current months and that my credit wouldnt be affected by the forbearance amount and there would be no late fees or charges. During a conversation with Bank of America today I was informed that my home is in danger of foreclosure and that the monies Ive paid were applied towards the forbearance amount of {$18000.00}. ( Not sure why the difference between {$16000.00} which is 12 months of payment and {$18000.00} ). Even with payments made records from BOA show a total amount due of {$19000.00}. My credit score has now plummeted and late fees are high. There are so many discrepancies in amounts and payments applied and the representative did not explain so that it made sense.

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 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Convergent Outsourcing has been sending me collection notices in the amount of XXXX. The collection had been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-03-30 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: FL

Complaint narrative:
I am inquiring about XXXX  XXXX XXXX [ account number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
Rocket Mortgage shares private customer information with non-affiliated third parties according to their privacy policy : https : //rocketaccount.com/ # /privacy-policy The " Your Choices '' section of their policy does not explain to the customer how to opt out of this sharing. https : //rocketaccount.com/ # /privacy-policy The only option to opt out on the Rocket Mortgage website requires the customer to certify that they are a California resident. The information that Rocket Mortgage discloses to third parties does not seem to entirely fall under the exceptions listed in 16 CFR 313.14. Therefore, Rocket Mortgage appears to be in violation of the Financial Privacy Rule, 16 CFR Part 313, by not informing customers and allowing them to opt of of sharing private information with non-affiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.

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 2022-03-30 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: FL

Complaint narrative:
My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I have tried to send XXXX dollars to a friend for an XXXX using Venmo. Venmo is holding my money now going on 2 weeks. I have tried emailing them for more information and all I get is generic responses. they told me they are working with the other party to obtain the information needed. I have asked for what I did wrong, details of why they are allowed to hold the money. I asked for them to cancel the transaction and send me my money back I get no response. I asked for a supervisor no one contacted me. My money is being tied up with out any rational or explanation. this is wrong and inhumane. Thank you for all your help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I XXXX XXXX has uploaded information for a dispute. This is more information, exhibits, and my identification.

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