vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I recently disputed a charge off on my credit report stating that as it was a charge off, it should not be on my credit report as charge offs are considered income according to the law and income can not be reported on my credit report, it must be reported to the irs I received a letter from Radius Global Solutions llc which I will upload. I then called the number on the letter asking them to confirm that they are in fact working for XXXX XXXX. I asked the same question repeatedly and was told that yes they were in fact working for XXXX XXXX. When I asked for this in writing in the form of an email, I was told that the information requested was in the letter, which it is not. 
It just states that the original creditor was XXXX XXXX I have included XXXX XXXX in this complaint because if they indeed sold my debt onto a third party, then they have breached my rights and the words on their own contract stating that they do not sell personal information to third parties

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.

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 2024-03-28 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of America to dispute some transactions due to us not receiving and will not receive any services from the merchant but made a substantial advance payment. But Bank of American closed our dispute before we received their letter requesting more info. 
I called multiple times and they said it will be reopened but thats not the case. They also changed the reasons a few times why they closed the dispute and was told that I will not get the refund unless I send them a letter from the merchant that claims they are willing refund us. ( Would anyone dispute credit card charges if the merchants are willing to refund them? ) They finally reopen my claims after I filed a complaint on CFPB, and received a mail on Friday XX/XX/15 that requested information but one business later they closed and denied my claims already again before I had a chance to respond by mail. 

Bank of America is not interested in helping their credit card holder at all! Its worst credit card ever!

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have consistently maintained timely payments for my account and have never missed a payment deadline. It is distressing to see such an error on my credit report, as it impacts my creditworthiness and financial reputation.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have consistently maintained timely payments for my account and have never missed a payment deadline. It is distressing to see such an error on my credit report, as it impacts my creditworthiness and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent wire to XXXX for {$7600.00} the correct XXXX code and account number was indicated on the transfer but there was a descrepancy with the recipent name so the money was not credited to the account. I went back to the bank and personally sopke to the manager who processed the wire transfer and she informed me that she sent an email to the wire transfer department to correct the name and she will call me later with a confirmation number. I never received a call back. Since time was of the essence I spoke to my attorney and initated another wire transfer for the same amount with the correct name on XX/XX/XXXX. The second wire transfer was also successfull received but was not credited to the account. 

I contacted the bank on XX/XX/XXXX to find out about my funds and the representative informed me that the first wire transfer was correctly credited to the intended account and a refund was issued for the second wire transfer and I will see a credit on my checking acount within 9 business days. No credit was issued. I called the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Everytime I called I was given a different response and was told that they are waiting for an answer from the bank in XXXX who did not get back to them. The receiving bank, is the same as the sending bank

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent correspoandance to the credit reporting agencies requesting that my personal information be updated. To this date I have not received any notifications that this information has been changed.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter out to the 3 credit reporting agencies XXXX, XXXX, and Equifax on XX/XX/XXXX requesting they stop reporting certain information. To date the accounts are still reporting and I have not heard back from XXXX XXXX. I want this matter resolved asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I sent a letter out to the 3 credit reporting agencies XXXX, Experian, and XXXX on XX/XX/XXXX requesting they stop reporting certain information. To date the accounts are still reporting and I have not heard back from XXXX XXXX. I want this matter resolved asap.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
1. XXXX refused to update my current address to my valid address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I even sent them a copy of my drivers license with my correct address. 
2. Im sent 3-4 letters asking for proof of validation of such debt to XXXX and they falsely state they validated the debt but, failed to provide any documentation of such debt as I requested! I do not owe such debt to LVNV FUNDING nor XXXX XXXX. Please remove/delete immediately. 
I pasted the information from report and letter sent.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Lvnv Funding Llc Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Lvnv Funding Llc Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$410.00} Current Balance {$410.00} Responsibility Individual Status Collection account Comments Account information disputed b y consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$12000.00} Current Balance {$12000.00} Responsibility Individual Status Collection account Comments Account information disputed b y consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$23000.00} Current Balance {$23000.00} Responsibility Individual Status Collection account Comments Account information disputed b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I received the Q2 Property Tax bill from XXXX, VA in early XXXX. It was due at the end of XX/XX/XXXX but as the invoice sent to me indicated, Freedom Mortgage denied payment. Given that we escrow funds for this purpose, I reached out to Freedom Mortgage to understand why they declined to pay the property tax bill and then to ensure they did pay it. XXXX (? ) in the Tax Department stated they would open an investigation into the situation and asked if they could text me updates. I said, yes. After several weeks of no updates, I emailed and included copies of the invoice they declined and I kept being told that they would open an investigation. In that time I received another notice from XXXX XXXX that my tax was significantly past due, a penalty fee was added and payment was due asap. At that point I paid the tax bill out of my own pocket. I continued to email and now included the receipt of my payment for the taxes and still got the same reply, we will open an investigation. On XX/XX/XXXX, I called and spoke with XXXX in Freedom Mortgage 's Tax Dept. XXXX confirmed that Freedom neglected to pay the Q2 tax bill ( no explanation as to why ) and then stated they would issue me a refund check from my escrow. To do so, she needed to transfer me to their Customer Service department as they initiate the refund checks. I spoke with XXXX ( ID # XXXX ) and she said XXXX explained the situation to her and then she took the info to initiate the refund process from my escrow. XXXX ended the call by telling me it would take 3-4 days to process the refund. Two weeks later, I still have not received a refund check so I emailed Freedom. Today, they replied and said I was mistaken, no reimburse was being issued.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a business credit card with XXXX. Due to global economic constraints, I fell behind on my payments. XXXX reported this to my personal credit profile which significantly impacted my credit rating. I made arrangements to bring my account current and did so in the period established by XXXX. Most recently I missed 1 payment date ( under 30 days ) and chase reported my account as 120 DAYS late to the credit bureaus. This is immoral and predatory.

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