vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
INACCURATE REPORTING DIFFERENT DATES OF RECENT ACTIVITY AND DIFFERENT DATES OF DATE OPENED INCORRECT STATUS ACCOUNTS OPEN SHOULD BE CLOSED MEDICAL BILL JUST SHOWING UP TO DROP MY SCORE DIFFERENT AMOUNT OWED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VT

Complaint narrative:
In XXXX of XXXX I received a bill and escrow statement showing a shortage of roughly {$3500.00} in my escrow account, the payment for XXXX was {$2300.00} and the new payment for XX/XX/XXXX ( and moving forward ) was roughly {$3000.00}. My payment for XXXX was automatically withdrawn from my account and paid on XX/XX/XXXX and I called Loancare on roughly XX/XX/XXXX. Since this was a large increase I called Loancare, the company my mortgage is with to make sure the information was correct. It was. The individual at loancare suggested that I could lower the new monthly payment by asking for an extension over 2 to 3 years. I said that's a great idea and requested 3 years, he said someone would reach out to me in 3-5 business days. I never received a call so I checked the account online after 5 business days, and it had given me a late fee of {$60.00}. I called Loancare for explanation and after a long conversation realized that the new escrow amount was put into effect on XXXX which backdated, so it showed my payment was short- which it wasn't. I explained the situation and was told the problem would be rectified in 3-5 business days but that the late fee would be removed, I asked if their error would affect my credit and they said no and in fact put something on the account to say the credit should not be altered while this was figured out. Come to find that it did hit my credit and shows up as a XXXX point deduction and I discovered such on XX/XX/XXXX. After 5 business days no one reached out, so I contacted Loancare again and they continued to do escrow analysis ' and not change the date of the first payment, I once again asked about credit and they assured me it would not cause any problems. Over the next few weeks I continued to have the same problems calling in a total of 8 times between XXXX XXXX and XX/XX/XXXX. Twice I was told I would be called back and I never was. Come to find on XX/XX/XXXX, after receiving letters of default, they also pinged my credit for XXXX additional points ( XXXX total ) although I continue to be told by them that nothing will happen to my credit. No one has helped, I keep being told 3-5 days or 24 hours before a call will be returned and it never is. 


With a default on my credit I won't be able to borrow money or do a HELOC which I had planned, they are affecting my current and future buying power and the company does not deserve to operate with such poor consumer service and gross negligence. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I continue to dispute my credit report, but e-oscar continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

15 U.S.C 1681 section I602 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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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

15 U.S.C 1681 section I602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act cXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've recently applied for a loan for an investment property home improvement. The Loan was denied for reasons that don't accurately follow the listed process for credit approval. I have an existing loan with this company, have never had a late payment, and was approved by the company when at the time I applied for it I had more credit debt and inquiries than I currently have. Additionally, my credit score is higher currently than when I was approved for the previous loan. There claim that I have " too many recent inquiries '' for which the total amount is only 4 and this includes there's recent inquiry. The most recent inquiry was 6 months ago and the other 2 are a year old. None of my revolving credit is over 50 % usage yet they claim it is too high. My overall credit is 45 %, and nowhere on the site does it state the threshold of what is considered " too high ''? Based on what they do state on their site which is " Apply, Accept Loan, and deposit '' as well as the " Characteristics shared by XXXX customers '' my applications beyond qualify but the reasons for decision-making do not add up and are misleading and or inaccurate to the process of applying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
The company is not willing to help with any type of modification, and im becoming more aware that my mortgage was sold to a company who bought it knowing I was behind on my payments. Shellpoint is servicing the loan and i do not know who the investor is. when i started this whole process and was placed on forebearance i was not as far behind on my mortgage as i am now and i keep getting more and more behind. XXXX XXXX XXXX is helping me and a complaint was already filed and it was closed and i did not want it to be.Complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
I am writing this letter due to the actions that Spring Oaks Capital has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Spring Oaks Capital, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've contacted all XXXX credit bureaus. I'm extremely upset with how TransUnion and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with one of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score.

Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. 
The debt collectors was XXXX XXXX, XXXX XXXX, and XXXX. 
XXXX XXXX sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : IQ DATA INTERNATIONAL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX  XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX. 

I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM. 

I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well. 

Please let me know if there is anything someone can do to help. Thank 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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
XXXX Business Account # XXXX XXXX XXXX XXXX XXXX Charities : XXXX never sent a finale bill out as to the return of there equipment was return. 
I was also informed that once that got the equipment back they could not send out a finale bill and it could take up to once the equipment return 30 days to process before i would get a bill. 
I got a bill and call them several times being 8 times in one month a rep would call back every time when you call XXXX is another state not even in XXXX XXXX and nothing but the run around with spectrum. 
McCarty Burgess & wolf contacting me before it was even 30 days of the account closing harrassing me about the bill and threating me. 

MC Carty Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX Phone # XXXX XXXX Mc Carty Burgess & Wolff is very ruid and when contacting bill changes every time nothing but con artist. 

Nor did Mc Carty Burgess & Wolff mail me any type of notice nor XXXX as before sending it to MC Carty Burgess & Wolff as to dispute the bill. 
XXXX  never return calls or letter mail to them over the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Transunion has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are unauthorized hard inquires from compaines XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation