vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the XXXX account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company

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 2021-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Government issued debit card provided by Bank of America. On XX/XX/2021 a company called XXXX XXXX XXXX aka XXXX issued me a XXXX for {$2100.00} for a purchased I made on XX/XX/2021 to which they were not able to ship the merchandise and lacked inventory so they issued me a REFUND for not received as they were out of stock on the item I purchased. The XXXX was for {$2100.00}. Bank of America sent me an email on XX/XX/2021 asking me to call in their customer service line to " URGENT : Please Verify XXXX XXXX XXXX '' and in the email it showed transaction XXXX for {$2100.00} they received. I called and verified the refund but I never received the refund. When I called back the next day, they claimed to " not know what I'm talking about '' and stated they didn't have any refunds. I forwarded the email and text message I received but they still continued to say they didn't receive any refund. The email had a case number XXXX, XXXX XXXX XXXX ending in XXXX. I would like to simply receive my XXXX for {$2100.00} but BOA refuses to release my money and claim they don't have it.

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 2021-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Started the refinance process with Rocket mortgage in XXXX. They stated that it shouldn't take longer than XXXX. All the documents requested were received but do to the lack of knowledge of the loan processor and diligent processing of the application time expired. It's XXXX and now we will have to reapply and credit will be pulled again and another inquiry will be placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Date XX/XX/2021

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 2021-12-05 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: MI

Complaint narrative:
I have a fraudulent XXXX Bank account on my credit report that TransUnion and XXXX refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.

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 2021-12-05 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: MI

Complaint narrative:
I have a fraudulent XXXX Bank account on my credit report that XXXX and Experian refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.

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 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I am the mortgagee on a mortgage held by Caliber Home Loans. I requested a mortgage verification via my account portal on XX/XX/2021 for the purpose of having the mortgage financed by another mortgage company. I requested that the mortgage verification be emailed to me. I was told via phone that the verification would be forthcoming within 48 hours. I received nothing so I recontacted Caliber via my account portal on XX/XX/XXXX. I did not receive a response so I called them on XXXX XXXX was told that they could provide the verification via phone and to have the other mortgage company contact them. They followed up with a response via my account portal on XX/XX/XXXX that their representative addressed my concerns on XX/XX/XXXX. I requested that the mortgage verification be sent to me via email so I would have it in writing. I still received nothing. I had told them that this request was time sensitive on XX/XX/XXXX as the mortgage was being refinanced and the new mortgage company needed the verification. I received a response on XX/XX/XXXX saying that my request was being referred and that it could take up to 30 days for processing. In the meantime, the other mortgage company dropped the application due to not receiving the mortgage verification from Caliber. This is unacceptable and appears to be a way for Caliber Home Loans mortgage to impede my effort to refinance or to have the. mortgage financed by a company other than Caliber. My payments with Caliber have always been timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer report, I have found that there are fraudulent items listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following fraudulent items I wish to dispute on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By Federal law you are requested to list complete accurate information and you are listing XXXX fraudulent items. I have never lived at the properties listed. I have lived at my current apartment for over XXXX years. I have attached a copy of my Identity Theft report, State ID and social Security Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
Submitted complaint on XX/XX/XXXX to cfpb, # XXXX. Case was closed without resolution. Requesting immediate resolution. Complaint restated : On XX/XX/XXXX I sent a debt validation request via certified mail to Aargon collection agency requesting they provide me with competent evidence that I have any legal obligation to pay them. I received a letter from Aargon with in the 30 day window on XX/XX/XXXX. Aargon failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulation. I have never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file immediately. 

Company responded on XX/XX/XXXX to cfpb. 

Results : " Our office is requesting the signed HIPAA authorization and financial agreement from our client that the consumer would have signed during their admissions process. We will provide this to the consumer as soon as our client provides the information. '' It has been over 60 days and I have yet to see a HIPAA authorization produced. Please delete this item from all credit agencies immediately.

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 2021-12-05 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: NY

Complaint narrative:
Re : XXXX XXXX XXXX. 
This company is reporting late payments on my report as a consumer the are in violation of 15 USC 1681b- Permissible purposes of consumer reports which I did not give them permissible purposes to report.

2 ) 15 USC 1666b Timing of payments.

3 ) SECTION 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL SECTION 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

SECTION 9- 613 CONTENTS AND FORM of notification before disposition of collateral : General 4 ) as a consumer I have the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent. 
6 ) According to 4 USC 1692g this is an alleged debt that only I XXXX the consumer has to validate and I have never validated this debt.

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 2021-12-05 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-05 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate & unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. Section 611 ( a ) it is plainly sated a failure to investigate these items in XXXX days gives a reason to immediately remove those items from credit report. It has been over XXXX  days so they should be deleted promptly. My information was also impacted by the Equifax data breach & may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed my account after i got scammed on XX/XX/2021 i called them and told them about the transaction and they didnt stop or reverse the payment like i asked. They however let me file a fraud dispute because they agreed it was fraud then they denied me even after i had proof They scammed me out of money for a car. Told me they got the car from XXXX and they never did the car was smoking an hour later and almost caught fire they also sold phony tags which could have gotten me arrested i tried to request a refund on XXXX XXXX and he threatened me also gave me an altered phony title never told me the car was salvage or considered a total loss and never told me the car was in an accident this was never an as is sale i got completely scammed and i want my money back if possible. Ive had a good account standing with them and they didnt have my back they closed my account and didnt help me after this phony car company scammed me. i thought accounts were insured for up to XXXX this transaction was only XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ME

Complaint narrative:
On the first of XXXX, I send my partner in the XXXX {$2000.00} to cover rent on our flat from our joint debit card to be delivered to his debit card. They advertised this as " completed in minutes '', and specified in the fine print that this could take 4 days, unless the fault of the receiving bank or force majeure. They also say that for debit card transfers, business days include weekends and holidays. 
The money still hasn't been received as of XXXX XXXX. The representatives I talked to said there wasn't a fraud flag, that there wasn't an issue with the receiving bank, and that there wasn't force majeure. They have taken the money from our account. 
The only help they offered was to file a complaint which would take 90 days. Under the law they have 15 days, so this is six times longer than legally allowed. They have made us late on our rent, and are exceeding the agreed delivery time significantly without any of the justifications spelled out in the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 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: MD

Complaint narrative:
I checked my credit report and I noticed that I have 2 derogatory accounts and a bankruptcy on my Transunion and XXXX reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus back in XXXX and they did nothing to resolve the problem.

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 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and trans union are reporting a XXXX  XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the XXXX  XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act

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 2021-12-06 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
Experian has the wrong credit score on my credit report. When I paid down a credit card the balance went down instead of up. XXXX XXXX is correct.

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 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: GA

Complaint narrative:
Experian and XXXX XXXX are reporting a chapter XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the chapter XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act

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