vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX  I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXXXXXX XXXX did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company 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 2023-02-22 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: IL

Complaint narrative:
In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX  I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXXXXXX XXXX did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I WAS TRYING TO GET A CREDIT CARD AND THEY SAID I HAD COLLECTIONS. WHILE INVESTING I FOUND OUT USING THE NMLS WEBSITE THAT THE COMPANY IS NOT LICENSES TO BE A COLLECTION AGENCY IN THE STATE OF NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I do not have any knowledge of this debt, it's not mine. 

I pulled up my credit report and noticed the Collection Agency ( Mountain Run Solutions ) was listed on my credit report with XXXX and XXXX. A certified debt validation letter was mailed to the creditor and they responded with a copy of the agreement and added my name to their letter head, along with the individuals on the contract. I filed a police report XXXX to support my claim that the reported collections account is not mine. Please remove it from my credit report with the bureaus. I mailed a certified letter to the credit bureaus about my scenario and asked them to please delete the account. They responded with " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. That is incorrect. This is not not my account. Please see attached police report. 

Thank you, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX i deposited a check on the mobile app for {$1600.00}. I started using the app because in person the checks were depositing slower, then i started to deposit in the ATM and the same thing happened so now I used the mobile deposit and the official check from XXXX was on hold for 1 business day which turned to three and then my account went under review which they told me i had to go into a branch to find out why on XX/XX/XXXX. I came in on XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX NY XXXX. Branch manager said that they are closing my account because i endorsed the check. I was furious. I had no idea how this could of happened. He said because XXXX never made the check. My account will be closed and they rarely reopen it then he continued to inform me how to prepare myself to get money if money will be wired. He said I can try to come back in on Monday to talk to the fraud dept. I came in Monday and he wasnt there. I spoke to XXXX XXXX and said was able to get it reviewed again and ill find out by friday if TD Bank will reopen my account that's dated to almost a decade. I came in monday with a bank statement that my check was in a batch of two others that were made at the same time my boss passed out. The other two were deposited to other banks other than XXXX and TD Bank and did it instantly since its an official check but unfortunately for me its a fraudulent check and my bank is now closed after nearly a decade with no fraudulent check activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Alorica Inc.
State: NJ

Complaint narrative:
This complaint is in regards to a personal loan that I originally took out through Seedfi which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/XXXX the balance of XXXX. Part of the original loan agreement with XXXX was I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within 5-7 days. As of today XX/XX/XXXX i have not recieved the XXXX plus interest and phone calls to this company have had no resolution to this. I have also requested politely to speak to a supervisor many times which they refuse to do I was told one would call me which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: IL

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 non-monetary relief
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, someone withdrew XXXX XXXX from an ATM. As soon as I saw this I told my bank that it was fraud because I didnt have my card in my possession. They issued me a credit on XX/XX/XXXX for the full amount. Then as time go on they came to the decision that my claim couldnt be paid. So they ended up reversing the credit which put my account in the negatives. I reached out to my bank yet again trying to figure out whats going on and why wouldnt my claim be valid. As we were discussing we over the phone they said that I didnt provide certain information like not having my card in my possession and how they tracked my account to see if the person who withdrew that money was still trying to keep doing it. I kindly informed the lady over the phone that I indeed did let the claims department know that my debit card wasnt in my possession and it was missing for a couple of days but I didnt pay it any mind because I thought I lost it in my room. So I had the claim/case reopened with more information provided. Days pass and still said my claim cant be paid.

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 2023-02-22 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: PA

Complaint narrative:
Fruad accountsAppearing On 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-02-22 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX ) .Exeter finance LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX  XXXX XXXX XXXX .XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) XXXX XXXX XXXX ) .Capital one auto financial XXXX ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX  XXXX XXXX XXXX .XXXX XXXX XXXX  XXXX ) .XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I have tried numerous times to explain to your agency that SPS Portfolio XXXX is discriminating against me and tying up my clear deed and title to my property. Now Im explaining to you that SPS Portfolio XXXX is using my title and deed to my property to charge me after my insurance company has paid off my mortgage. My house completely burned on XX/XX/2022, my homeowners insurance company paid off my mortgage and I am still fighting this SPS Portfolio to get the clear title and deed to my property so that I can get my house cleaned up, hauled off and rebuild. I have XXXX XXXX and I have had to cut my medical treatments back to keep my paid off mortgage out of foreclosure. This company has been a problem and my homeowners insurance company told me that they would back me 100 % in lawsuits against this company. Im highly upset that this company is allowed to do this and its tying up my necessary health treatments and my finances dealing with my completely paid off mortgage. My insurance adjuster told the people at the company that she had recorded every conversation she had with them and that my insurance company was going to support me in filing lawsuits against the company. I have enough to handle and need someone to help me. My insurance company doesnt trust this company and has them continuously lying over and over again. Now I have enough to deal with and these people are are making it worse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a call from what I thought was my bank ( bank of America ). I was told there was fraudulent behavior so they called to verify. As the bank has done in the past, they told me they would send me a 6 digit code to verify and then was all set. Somehow I got locked out of my account for the following 3 weeks since there was some kind of website error/something the scammers did to my account. I went into the Bank of America XXXX to ask for help and was given a phone number to call since they couldnt figure out how to fix it. Once my account was unlocked, and I was able to see inside, I realized that 3 of the fraudulent XXXX  transfers went through, even though the two prior fraudulent XXXX  transfers were stopped. The three transfers total {$15000.00}. On XX/XX/XXXX I called the bank again to file a report. Over the next 3 months, I have been mishandled and misled by the bank, giving me no information and telling me that theyd be working to resolve the issue and find my funds. No one ever sent me updates. When I called, I would be sent to various departments and given different information each time. I filed a police report with my local police in XX/XX/XXXX. After not hearing anything, I went into the bank on XX/XX/XXXX to speak to someone, they connected me to the fraud department and told me they would not be able to recover the funds that the scammer sent himself through 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