vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX, VA owned by XXXX XXXX previously known as XXXX XXXX XXXX  owned by now XXXX  XXXX and XXXX XXXX ), has turned over an outstanding balance of {XXXX} to a debt collector, Hunter Warfield. They are claiming that I owe the balance of {XXXX} for a carpet cleaning fee, a move out fee, and utility charges for XXXX through XX/XX/2017. When I lived at XXXX XXXX XXXX, we paid the utilities a month in arrear. I was current on my rent and utilities at the time of my move out in XX/XX/2017. The balance that I should be paying should only reflect the utilities from XXXX through XX/XX/2017. I was advised that I would receive a bill for the remaining utilities and provided my forwarding address. I never received a bill. I was also told that there is no move out fee and I would not have to pay for a carpet cleaning fee which is also included in this balance. 

Over the course of the next year, I attempted multiple times via email, phone calls, and even visiting the office to find out what my remaining balance was so that I could resolve it. Every time I would go to the office, there was new management and staff in the office and no one was familiar with my account or able to help me and I was told that they would follow up. No one ever did. Now five years later, this balance has been turned over to a collections agency with the threat of negative credit reporting. 

The management and staff for this apartment complex was constantly changing while I lived there and changed many times after I left. Additionally, the apartment was acquired by a new property management company since XXXX and XXXX had gone bankrupt. There were a number of tenants who moved out around the same time I did due to issues like apartment construction not being finished, repairs not being done, tenants being promised varying rent discounts that were not honored every time the management or staff changed. I personally went from paying {XXXX} a month to almost {XXXX} a month with in two years. This various fees such as common area fees, parking fees, etc. There were definitely some confusing and shady dealings going on. 

I attempted a dispute through the debt collector. Their response was just an itemized list of the charges and a copy of the lease. My concerns about the utility charges being for the wrong timeframe were not addressed. 

I am fully aware that there were some lingering charges for utilities that needed to be paid after my move out. Those charges should be for XXXX through XXXX of 2017 only. All other utility charges, carpet cleaning charges, and move out fees should not be included. I would like this corrected immediately and I do not want this reported on my credit. I will be emailing a copy of this to the office management of the apartment complex, the debt collector as well, and possibly HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT 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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Purchased a table from XXXX XXXX XXXX in the Fall of XXXX. Received the table damaged in XXXX XXXX XXXX. Called XXXX XXXX XXXX  to return the table they told me it wasnt an option. 

Called Truist to dispute the charge. Received the credit. 

XXXX XXXX  XXXX I get a call from XXXX XXXX XXXX asking why I disputed the charge. After I told them it was because when I tried returning it they told me it wasnt possible they informed me that theyll now accept the return. They came and picked it up. 

A few weeks later Truist puts the charge back on to my account and wont let me reopen or file a new dispute. Ive called over XXXX times; emailed the evidence of the return. Even spoke with managers at local branches. Nothing is being done. They always tell me the choice is up to a department that can not be contacted.

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 2022-04-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.

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 2022-04-08 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: PA

Complaint narrative:
Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NJ

Complaint narrative:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-04-08 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: Colony Brands, Inc.
State: WI

Complaint narrative:
On XXXX I was alerted that my name, address & SS number were used to open an online line of credit with a company named " XXXX XXXX XXXX' in XXXX, WI and made a purchase to buy products from this company. I called the company directly and was able to put a lock on the account to prevent future purchases while they investigated my Identity Theft-Fraud claim. The shipment was not sent, so I was not liable for cash. Two more attempts were made to make purchases on XXXX & XXXX, neither which went through. No more attempts were made. I followed up with a letter to the company to confirm my statement. After several phone calls and being given the run around, on XXXX, I sent a letter from a template available on IdentityTheft.gov to request that my credit report be amended and that the Hard Inquiry of my Credit Report be removed. I also requested that I recieve a letter confirming that the account had been cancelled or closed and that they were sending information to XXXX to remove the Hard Inquiry on my report. I got USPS confirmation that the letter had been received on XXXX. I did not receive the confirmation letter, nor has my credit report been adjusted to remove the Hard Inquiry. I called again on XXXX and was told that the account was closed and I was not liable. The person I spoke with claimed that a letter was sent on XXXX. I did not receive any letter. I was told another letter would be sent and verified the address. It is now XXXX and I still do not have that letter. 
Company I have the dispute with : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
XXXX Equafax XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
XXXX XXXX Experian These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692

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 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a call from the Tax Collectors office regarding the past due property taxes for tax year XXXX, after visiting the local clerks office trying to schedule a property inspection for XX/XX/XXXX in order to obtain a rental permit. 

The countXXXX TAX office advised that they could not move forward with scheduling my inspection, until property taxes were paid. 

Called the Mortgage Company ( Homepoint ) same day XX/XX/XXXX, inquiring why the taxes had not been paid since they were included in my escrow. 

The agent whom I spoke with proceeded to tell my taxes had been paid to XXXX XXXX, in the meantime my property is in NJ XXXX XXXX. 

As if this alone was not a problem the issue was further compounded by the fact that the mortgage company raised my original monthly payment from {$2100.00} to {$4800.00}, based on the fact that the taxes on the property were wroughtly XXXX per year. 

In the meantime not only did they pay the wrong town they also have wrong information about the yearly tax, the property in question based on the Tax office and the most recent Tax bill pays {$5700.00} in yearly taxes. 

Homepoint has been contacted on several occasions, I have spoken to several agents, gotten bits and pieces, been promissed of a call back with a resolution yet here we are almost 2 weeks to the day and there is no solution. 

Agents codes whom I spoken with are : XXXX, XXXX, XXXX XXXX  and XXXX. 

There is also a person by the name of XXXX who I have yet to speak with that was to call me back with a resolution. 

If you would like to discuss this complaint further please call me at XXXX, I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.

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 2022-04-08 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: TX

Complaint narrative:
This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT 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 2022-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Bank XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX In accordance with the Fair Credit Reporting act 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 2 : 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 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I did a loan modification with With nation star mortgage they told me not to pay my mortgage for XXXX months this was in XXXX  ever since then it destroyed my credit Ive tried to work with credit repair companies but its still on there and I also get threatening letters from nation star mortgage with my name on them and return to sender please any help on this matter will be greatly appreciated yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
chase bank remove XXXX dollars from my business account.then my account is stocked.I have a lot bill have to pay.And I was call chase at XXXX.But still no work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filling this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-04-08 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: DE

Complaint narrative:
in accordance with the Fair credit reporting act XXXXt account with XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please 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 2022-04-08 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation