vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Data Mortgage Inc.
State: AR

Complaint narrative:
We closed on the sale of XXXX XXXX XXXX, XXXX, AR XXXX for XXXX XXXX XXXX on XX/XX/2022. I obtained a payoff for his current mortgage from Essex Mortgage ( Loan number XXXX ). This payoff was good through XX/XX/2022, I added 4 days ( good thru XX/XX/2022 ) {$12.00} the daily per diem per the payoff statement received. I sent the payoff in the amount of {$120000.00} to Essex Mortgage overnight XXXX XXXX on XX/XX/2022. Per XXXX XXXX  it was delivered to Essex Mortgage on XX/XX/2022 @ XXXX DELIVERED Monday XX/XX/2022 at XXXXXXXX XXXX Signed for by : XXXX Essex Mortgage called my office on XX/XX/2022 and stated that the payoff amount was short. When I tried to find out why they said it was short, it was an evil rollercoaster of back and forth for a week. I spoke to over 5 people and yesterday ( XX/XX/2022 ) finally I find out after a phone call that lasted over 2 hours and 45 minutes going through 3 people that day, that they claim they didn't get the payoff check until XX/XX/2022 and on XX/XX/2022 they paid the Mortgage Insurance premium and now the payoff is short by XXXX ( that amount was only good through XX/XX/2022 ) My question that I keep asking is I have proof that it was delivered and signed for on XX/XX/2022 so why would you first pay an insurance premium on XX/XX/2022 and why would you think it is ok to charge the borrower for your mistake. This is a case on inner office misplacement and my seller should not have to pay for their oversight. I have tried to reason and talk to them and most of them have been very nice and appeared to want to help me but couldn't. The one person XXXX in the Cashier Department was very unprofessional and refused to speak to me about it at all, he would only communicate through the nice lady in loss and mitigation on emails. When she asked him if he would speak to me he flat out said no I have already spoke to them and will not again. If the payoff had not actually gotten to XXXX until XX/XX/2022, then I would not be disputing the shortage. My company would have no choice in paying it, but that is not the case here. 
Please help me get this resolved so I can close out this file for my office and my seller. I need them to accept the payoff check that was sent to them on XX/XX/2022 in the amount of {$120000.00} as payment in full. They can not expect us to pay for them making a mistake. 
Thanks so much for your time. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: IL

Complaint narrative:
Experian Credit Bureau Is reporting XXXX XXXX XXXX - account XXXX. XXXX is reporting that this account has been verified. This is not true. I not not owe this company and the amount of {$1200.00} showing is inaccurate. XX/XX/2020 is the open date showing which at this time was when the account was opened. This is a credit collection company, not the original debtor. 

XXXX XXXX XXXX - account number XXXX is showing on my report that the account was opened XX/XX/2020 with a {$440.00} amount. This is a fraudulent account reporting. I have no knowledge of this account and have not ever done business with this company in any manner. 

XXXX XXXX Is reporting the XXXX XXXX XXXX- no account XXXX. is reporting that this account has been verified. This is not true. I not not owe this company and the amount of {$1200.00} showing is inaccurate. XX/XX/2020 is the open date showing which at this time was when the account was opened. This is a credit collection company, not the original debtor. 

Both companies are also reporting previous addresses and places of employment. This has been a major part in consistent identity theft over the years.

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made a substantial, large deposit of {$5000.00}. TD, at their discrepancy, held the funds for XXXX business days which caused a financial hardship. I was charged overdraft fees on my account XXXX, and I am now seeking reimbursement of {$170.00} of the overdraft fees. The money was taken from the account holder who issued the check within two days, and although the money was withdrawn, TD bank refused to release the hold and caused several overdrafts on XXXX of the accounts that I needed to transfer the funds. I am seeking reimbursement for the overdraft charges that I was charged to my account, XXXX. Reimburse {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Trans Union LLC is in violation of XXXX in connection to non-disclosures and reporting my private non public financial information about creditors that are also in violation of the XXXX and the FCRA. 
Trans Union LLC along with the " creditors '' on my consumer reports are infringing on my right to privacy. 
I have also sent this complaint for the violations and non-compliance to the XXXXXXXX XXXX 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 2022-11-09 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: CA

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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-09 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: CA

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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data continuously mails me a debt that contains no verification or itemized statement of what I owe, and despite the 5 emails I have sent, I have received no confirmation of my dispute and continue to be harassed by the company without any verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
I previously filed a complaint case # XXXX and the company First Advantage failed to send me a report indicating that they fixed the inaccuracies they purposely reported. I'm starting to believe someone employed there intentionally reported false information to hinder me obtaining employment presently and in the future. They have NEVER sent me a corrected report so now I'm filing another complaint on a previous complaint that should've been completed. This is in reference to a background report they conducted on XXXX order by XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In early XX/XX/XXXX I was contacted by XXXX about a new debt that was put in to collections. Details below : ORIGINAL CREDITOR : XXXX in XXXXXXXX TX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Amount : {$4700.00} The debt was sold to COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ; XXXX ). I contacted them informing them this debt was not me and a result of fraud. They informed me it was a debt for an apartment in XXXXXXXX TX. I have lived in XXXX, TX with my wife since XX/XX/XXXX with documentation and witnesses to prove so. They sent me a packet to fill out which requires 4 things : Proof of residence during the time which the fraud occurred, driver 's license, a filed police report for report number documenting the crime and unit that is fraudulently in my name, and a copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. 

This is my attempt to get the FTC complaint required for GENESIS to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from BMW Financial Services that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that BMW Financial Services were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CO

Complaint narrative:
On XX/XX/22, I spoke with personnel from XXXX, Equifax, and XXXX about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credimatico LLC
State: MO

Complaint narrative:
On XX/XX/22 I emailed a Revocation of XXXX authorization to XXXX On XX/XX/22 I received a notification from my XXXX XXXX account stating that Crediterium had tried to process an an XXXX transaction in the amount of {$170.00}. 
On XX/XX/22 I sent another email Revocation to XXXX, and also submitted a secure message directly from their website. 
On XX/XX/22 I received an email from XXXX stating that they had received my revocation email and assigned it ticket number ( XXXX ) On XX/XX/22 I received notification that Crediterium once again tried to run an XXXX  authorization for {$170.00} On XX/XX/22 I called XXXX XXXX and had them put Crediterium on a permanent Do Not Pay and provided them the information regarding the multiple dates of revocation emails. 
On XX/XX/22 I received another notification from XXXX XXXX that Crediterium was continuing their attempts to make ACH withdraw from my account in the amount of {$170.00}. 
On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an XXXX withdraw from my account in the amount of {$170.00} On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an ACH withdraw from my account in the amount of {$170.00} On XX/XX/22 I sent another secure message to Crediterium from their website stating that I was filing the complaint, stated the ticket number and their acknowledgement of receipt of the revocation of XXXX authorization, and told them that I was also turning them into the Missouri Attorney General for Illegal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: MI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: MO

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Within a few dates of having the car it was brought in for service related issues on multiple occasions. On XX/XX/XXXX I canceled my gap insurance and extended warranty and returned the car back to XXXX XXXX. I contacted the lender T.D. Auto Finance to inform them that I was no longer in possession of the car and this account needs to be closed. T.D. Auto Finance is continuing to report this on my credit report, when I am know longer in possession of this car. I have filed a dispute with all three credit reporting agencies, indicating the inaccuracy of this open account. 
T.D. Auto Finance has refused to contact XXXX XXXX as to where the car is located and the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation