vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am trying to send an XXXX XXXX XXXX to a title company, which has a due date based on the ratified contact for the home we are trying to purchase. 

Ally Bank states on their website that wire transfers are completed by XXXX as long as the transfer is fully verified by XXXX of the same day. There is no status of " fully verified '' any where during the actual wire transfer process. However, my account was debited amount for the transfer, and was in the " final '' step prior to completion, at around XXXX. The wire transfer did not complete. I spoke with many customer service reps after XXXX on that day and prior to XXXX the following day, and was told it will send by XXXX the day after it was actually supposed to send. 

It is now past XXXX on the second day, and after speaking with another set of reps, I was finally informed that there was a technical issue, bank wide, causing everyone delays. The issue has been known for many days prior to my transfer request. Yet, Ally, on their website and status tracker, show no signs of any issue and proceed to tell you the transfer will be completed by 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 monetary relief
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the XXXX XXXX XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists

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 2024-03-21 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: NV

Complaint narrative:
This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX  Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists

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 2024-03-21 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Prior case XXXX which has not been responded about payment not applied during the Forbearance time. The payment t was not applied and returned. 
Several payments have been sent and have not been applied and returned to thr checking account which has always been used for payments. 
A payment in thr amount of {$4800.00} was received by them on XX/XX/XXXX and again, it was returned. 
A payment in thr amount of {$6200.00} was made on XX/XX/XXXX and ir has not been applied again. It was ro paid XX/XX/XXXX, XX/XX/XXXX, XXXX. Payment have been returned since XX/XX/XXXX even though it was during thr Forbearance period. 
If this account goes into Foreclosure, proof thr payments were sent and the funds were cleared will be provided. Per the statements provided by sls, the payments are sent to the address the statement given. The payment breakdown has been provided on the statement and met. 
SLS has no interest in applying the payment and continues to report based on their Refusal to defer thr payments during the Forbearand and Refusal to apply the payments received.

The payments up to the current month were sent.

SLS is not interested and only wants to take away the property.

This will go great in Mediation if it goes into Foreclosure because all the receipts will be provided to the Judge, as well as, these attempts via CFPB.

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 2024-03-21 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: NJ

Complaint narrative:
I contacted Equifax in reference fraudulent accounts on my credit report. I asked them to investigate these fraudulent items. I ask for proof of the fraudulent items, I want to know how the fraudulent items are verified with whom the date and how. Equifax did nit provide any of this information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] by Equifax. I did not have anything to do with any of the fraudulent items. and they should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : 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 2024-03-21 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name :  XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 a 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted a dispute for the child support accounts to be removed off my credit report to all 3 credit bureaus ; XXXX, Experian, and XXXX. 

The Accounts are unlawful & Fraud. I did not open any account, or enter into any agreement with the Child Support Agency, nor did the debt start from a " CREDIT TRANSACTION ''. I do not have any loans with Child support & Ive requested all accounts be removed.. 

I disputed these accounts on XX/XX/2024. 

The bureaus didnt do anything but claim to Update my report but the Child Support Accounts still show.

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 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My former roommate stole my cell phone and all of my personal records paperwork and then used my phone to enter my bank account and transfer XXXX to themselves and then after I reported the first fraudulent transaction chase bank let them steal another another XXXX by only XXXX  my debit card and leaving my online account open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
I am a victim of identity theft. I have reported this information to the credit bureaus already, as well as to the FTC but they have never answered me at all. The information in the reports attached to this complaint are fraudulent and were not opened by me, as the consumer. Please assist me in this important matter.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I opened a credit card with Lows in XXXX. I tried to use the card in XXXX and was told someone in Texas changed my address to Texas and was using a Texas Lows to pick up merchandise. I called and let them know that wasn't me. The person how stole my identity called them and asked for a new account to be open and they did. I have my identity stolen XXXX XXXX years ago. I have cleaned up all my credit except this one card. Lows through Synchrony Bank. I called and fixed XXXX years ago then again in XX/XX/XXXX. They said they had it listed as fraud and would close accounts and It would be removed on my credit report. I received a bill for a {$360.00} due. I called again today XX/XX/XXXX and was told the bank researched my claim and it was denied, and they want the {$5500.00} fraud charges to be paid by me. 
Account number XXXX there is another account # ending in XXXX on a letter dated XX/XX/XXXX. I have another account number on a letter ending in XXXX. When I called today XX/XX/XXXX soke with XXXX at XXXX to XXXX I was told I had 4 accounts. I should have no accounts. I have my credit and social security number locked, so this doesn't happen. I have never been to Texas and I live in Maine. I have asked them not to very give me an account again, most likely it is not me. Thank you. 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 monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting 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 reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XXXX XXXX ( XXXX XXXX ( Direct ) ) has contacted me several times and I have repeatedly told her that I am having health issues and have next to no income due to my health. I also told her that I was attempting to work with the original creditor. She became verbally abusive in her language in an attempt to bully me into a payment arrangement in a way that made me believe that she would make it XXXX XXXXXXXX for me if I did not make any arrangement. 

I did make one payment about a month ago, following it up with an email saying that I never want to be contacted by this woman again moving forward. Today I get a payment reminder from her. 

I have told her and that company about this and still she contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I have requested a PMI cancellation and paid for the appraisal that was ordered by Mortgage company. I have received the appraisal report that was ordered by the company and found out that it is incorrect. The gross living space ( Sq ft ) of the house is incorrect and also the comparison done against the other house is completely wrong as they are not the identical to each other in sq ft or the taxes paid. Since the compared list is wrong the value of my house was incorrectly provided as $ XXXX. I have a neighbor whose house is exactly the same as mine with exact sq ft and an appraisal that was done on it turned out to be {$390000.00}. This house is exactly opposite of my house. 
Additionally, Some recently sold Comparable Houses within the same community would be with same sq ft and tax assessed value : Sold XX/XX/XXXX for {$390000.00} Sold XX/XX/XXXX for {$390000.00} Sold XX/XX/XXXX for {$380000.00} Sold XX/XX/XXXX for {$390000.00} But non of these were considered for comparison and instead were compared to the house sold in the same community with lower sq ft. 

I think the appraisal done on my house is inaccurate and the company that was chosen to do this was incompetent to do the job. I have done several additional upgrades to the house which did not factor into as well. 

I have provided all of the information and reached out to the mortgage company on this so that they can reach out to the appraisal company and try to have it corrected. But instead took a months time to review and tell me that tax valuation is considered that government does is less reliable and the formal valuation which was done incorrectly was correct and no action would be taken even after providing proofs and copy of other neighbor appraisal copy which is identical. 

Instead they are not taking no action or attempts to understand and resolve the issue.

Company response to consumer: Closed with explanation