vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: NJ

Complaint narrative:
BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XX/XX/XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX 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 2023-06-15 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: NJ

Complaint narrative:
BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use 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 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I finalized on a condo in XXXX of XXXX with a mortgage from XXXX XXXX. The mortgage terms stipulated an escrow. Then the loan was sold off and then again. It ended up being sold to SLS ( Specialized Loan Servicing LLC ). I have been making payments to SLS with the amount detailed in the loan going toward the XXXX, so I have been paying them to pay my XXXX insurance. Then yesterday XX/XX/XXXX, I opened a letter from SLS where they said my XXXX coverage had lapsed and they were going to make me use their own company 's insurance, which " may be significantly more expensive than the insurance you can buy yourself '', if i did not provide proof of coverage soon. To me, it seems like they were trying to change the terms of my mortage! 

So I immediately called my XXXX provider and they explained something happened the insurance was canceled on XX/XX/XXXX because they did not receive payment and that they would need to call the insurance company, but it could be reinstated & backdated since it technically lapsed back in XXXX. Phew what a relief. But in order to reinstate it they would need to call SLS. Of course no answer. I tried calling separately but no answer. 

I called them the next day on XX/XX/XXXX and it took me XXXX minutes to get through to a Rep. The rep then said yes they " randomly '' marked the XXXX for the loan as not coming out of escrow. Well if that was the case why was my mortgage price the same? Where were they keeping that money? Anyways they said they could call XXXX with me but it would take at least a few hours and maybe a couple of days before they could even switch XXXX back to being escrow in their system and overnight a payment to 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 explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One is violating the Fair Credit Reporting Act, by reporting the incorrect balances for 2 charge off accounts. Per law, interest & fees are suppose to be waived when a balance is charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( 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 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/2023, I signed a non binding agreement and wired XXXX $ to XXXX XXXX XXXX. I was told I would then be sent the official property management agreement and lease agreement for this passive income airbnb investment. This did not happen. After 5 days, I requested my money be returned as the only paperwork signed was the non-binding, and they refused and made many silly excuses as to why they spent all the money and couldn't return it. They now won't answer my messages. I saw this scam on XXXX, and met the person in person, prior to investing but it is a scam. Please help get my money. My bank ( XXXX ) will not even investigate it saying I am to blame because I sent the money. But the company isnt honoring the non binding agreement. I am told that by Bank of America accepting their money in their account that they are responsible for money laundering and need to close the scammers accounts and refund my money.

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 2023-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.

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 2023-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.

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 2023-06-15 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: SC

Complaint narrative:
I reviewed my credit report and there are accounts that are false and do not belong to me. I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reviewed my credit report and there are accounts that are false and do not belong to me. I have no knowledge of these accounts.

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 2023-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
XXXX loan XXXX They charge me XXXX late fee with in my grace period 10 days due dateXXXX  every month i made payment for month of XXXX XXXX the XXXX with in grace period and they wouldn't give me refund XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached letter which is the third unresponsive letter I have mailed to them in regards to an account on my Bureau with them titled XXXX XXXX  XXXX .... I do not and have never had an account with XXXX In accordance with the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: GA

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXXXXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mother was taking care of this issue. She passed last year. We have been in contact with BANK OF THE WEST several occasions concerning my childrens. COOGAN ACCOUNTS. WHILE. they worked, their portion of checks was placed into a coogan blocked trust account under my name as well. They are well over 18 now. Our local bank in XXXX did not know how to handle this type of account. One account balance is at {$0.00} while the other is significantly lower than what was put into the bank account. They applied service fees on these accounts until one was at XXXX and other was very short of what initially was deposited from working as a minor. XXXX XXXX, the banks manager knew nothing on these accounts. He was given a copy of the results of a lawsuit against XXXX XXXX XXXX. Where the second appellate district determined that withdrawals of service fees from a child actors trust account violates California Coogan Law. Since then XXXX XXXX, the bank manager stated he could not help us but directed us to his boss, XXXX XXXX work was working in XXXX, Ca. She as well, did not know about these accounts but would look into it. After my mother XXXX XXXX, had a second conversation with her, she stated she could not help. XXXX suggested that perhaps she could check with their legal department. This has been an ongoing issue. We would like help to resolve this and hope that this bank be trained on how to deal with Coogan accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted complaint # XXXX. Equifax has began an reinvestigation but has ignored one of the incorrect accounts. They have ignored XXXX account # XXXX. Please see original letter below from complaint # XXXX XXXX. 


I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : 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 

I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
My name, social, date of birth was used without my consent or knowledge, there are open collections, inquiries, car loans

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inadequate counsel or missing leading information leading up to your filing. I was informed by attorney how to handle my debt when I got to court, the judge told me I was lied to by my attorney and did I want to drop the bankruptcy and not go through with it and I said yes. Never used it. I had to prove that I had dropped bankruptcy in order to pay my debt myself. You cant keep this on record as if I started a bankruptcy I never used and you cant do double jeopardy. As in, I cant prove to creditors Im not in bankruptcy and pay my debt. You get one way or the other. Please remove me from a bankruptcy. I am a special circumstance.

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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I sent the payoff XX/XX/23 priority mail ( XXXX ) and it was received in their office XX/XX/23 at XXXX. They are claiming it wasn't received until XX/XX/23 because you have to allow them time to process. I called everyday because I knew the payoff wouldn't be enough if it wasn't posted in a timely manner. They in fact charged me and I had to make an additional months payment on one of my loans. They admitted that using the overnight mailing address does not expedite anything and they are looking into a fix. This is an unfair practice. In addition to phone calls, there are several email communications from XX/XX/23 through today XX/XX/23. 

According to the payoff schedule provide, my payoff as of XX/XX/23 should have been {$9400.00}. The amount received was {$9300.00}, short {$29.00}. They charged me another {$350.00} on XX/XX/23 to payoff my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
I have written to discover and experian in an attempt to correct this account, it has never been late and Experian will not respond. 

In accordance with the Fair Credit Reporting Act. 

XXXX and Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX 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 response to consumer: Closed with explanation