vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-12 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$120.00} Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: GA

Complaint narrative:
First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And I have proven that. I've attached clear and undisputable proof to back up my claim.

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 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Williams and Fudge called to ask about student loans of someone who has the same first and last name as me in XXXX. I said it wasnt me ( we have different middle names and social security numbers ). They started calling me again in XXXX XXXX  I called their main office and said it is not me ( again ) and they said they made a note of it. They called my workplace again on XX/XX/2022. They keep calling my workplace for debt that is not mine. I have repeatedly told them I have a different social security number and middle name. In fact I have never had student loans. I have checked my credit report and there is no loans. They gave me the last 4 digits of the social security number of the XXXX XXXX with the loans and they do not match my social security number. I need them to stop harassing me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$300.00} Original balance {$300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA 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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Approximately XX/XX/2020, I was fraudulently charged a higher Insurance rate by XXXX XXXX XXXX. I am a XXXX recipient and by law am allowed to opt out of certain insurance products, of which I chose to opt out. XXXX fraudulently applied those amounts, charging me a higher amount, even though I provided proof of my active XXXX status. Through their representative Caine & Weiner, they are continuing to attempt to collect this fraudulent debt and causing me greater hardship by entering this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited check number XXXX drawn on the account of XXXX XXXX for Congress, held with XXXX XXXX Bank, XXXX, Michigan XXXX XXXX XXXX XXXX account XXXX XXXX XXXX into my account XXXX XXXX XXXX XXXX XXXX, with Capital One XXXX XXXX XXXX XXXX account XXXX on XXXX XX/XX/2022. The check cleared XXXX XXXX Bank. 

My account with Capitol One was opened in XX/XX/2022. This is the first check that I deposited with Capitol One. Capitol One accepted the check for deposit and placed a four day hold on the deposit. 

On XX/XX/2022 two days after deposit, Capitol One instructed me to contact them. When I called, we discussed the purpose of the check. I explained that it was a paycheck. Capitol One asked whether I had actually done any work for XXXX XXXX. I explained that I had. Capitol One insisted that they must speak with XXXX XXXX. I explained that I would ask but the conversation would be difficult, because we elected not to continue our consulting contract. 

Capitol One explained that they would close the account and continue to hold the funds. 

I spoke with XXXX XXXX. XXXX XXXX provided a copy of the cleared check. XXXX XXXX agreed that Capitol One could contact him. 

I called Capitol One again but could not reach a human. The line asked form me to leave a voicemail, which I did with instructions on how to telephone XXXX XXXX on ( XXXX ) XXXX. 

On XX/XX/2022 two days after leaving the voicemail with the information requested by Capitol One, I called again, because Capitol One made no attempt to telephone XXXX XXXX, the drawer of the check. Again, it is not possible to reach a human and I left the information requested by Capitol One in their voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.

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 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NM

Complaint narrative:
I refinanced my home loan in XXXX. Dovenmuehle Mortgage Inc. at that time was assigned to service the loan by my bank, including escrow account dispersion. 
I am XXXX XXXX and rely on property tax payments as an income tax deduction every year. 
I've discovered recently that Dovenmuehle Mortgage failed to make full payment of my property tax for XX/XX/XXXX. They instead made two installments. One half was made XX/XX/XXXX and the other XX/XX/XXXX. Furthermore, for XXXX, they completely failed to pay property tax by the deadline set by XXXXhe county where I reside. I had to contact Dovenmuehle to make the property tax payment from my escrow account for XXXX which included late fees and penalties. The funds were in my account. I make payments to my escrow account each month and it has always been in good standing. 
So for two years since the onset of my new mortgage account, Dovenmuehle has mishandled the escrow funds. For the most recent of XXXX property tax, I contacted Dovenmuehle and was told that they paid the bill according to the county tax bill two pay option and refused to pay it any differently. I asked for escalation to discuss with a supervisor who told me the same. After repeatedly stating that their payment method was unacceptable to me, the supervisor finally offered to allow me to handle my own escrow account for property taxes. This was never before offered as an option and took a lot of time and effort on my part to get that option offered to me. Of course I accepted that option and am now awaiting paperwork to transfer the escrow account from Dovenmuehle to me. 
I discussed this situation with my accountant who was appalled that a mortgage service agent would conduct business in this manner. He referred to their method as " holding my money hostage ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2022 i had received a call from my bank as shown on caller id and was informed of fraudulent activity on my online banking app XXXX, the rep had me do me to me transactions to reverse funds as he said, I had been scammed out of 2 business accounts out of Bank of America for {$10000.00} and {$2900.00} Bank of America has denied my claims for money returned, On XX/XX/2022 I had gone to my local branch in tears with the thought I was scammed and it was confirmed i was, with absolutely no protection from Bank Of America or refund of monies, from what I understand all money was transferred into a XXXX XXXX Bank account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: WI

Complaint narrative:
Something is very wrong with your mobile app and your website in the way that it displays scheduled automatic payments. My payment is due on the XXXX of every month. I am enrolled in automatic payments. I had recently changed the amount of my automatic payment as my balance decreased ( it was previously {$300.00} per month but since my statement balance is now less than {$300.00} per month, I revised it to pay my statement balance ). 

Because I did this, I went in last night to ensure that the payment processed. Around XXXXXXXX p.m. central time, I logged in to the app. To my surprise, the next pending automatic payment reflected was going to be paid XX/XX/2022. I then checked the posted payment section and that revealed no payment was posted for XX/XX/2022. This was concerning as there did not seem to be a payment scheduled for XX/XX/2022. I then went to the website to confirm that this wasn't just an app issue. The website, too, reflected that there was no posted payment and no pending payment for XXXX. I have a perfect payment history and did not want to incur a late fee or any other penalty, so I scheduled a manual payment to be paid XX/XX/XXXX in the amount of {$300.00}. To my surprise, when I logged in this morning, an automatic payment posted on XX/XX/XXXX in the amount of {$230.00} and my manual payment of {$300.00} that I scheduled is in the " Scheduled '' section and not the " Posted '' section. 

This makes no sense as the automated payment of {$300.00} was not reflected anywhere in my account on XX/XX/XXXX, neither as a pending nor a posted payment. It appears that this payment goes in to some kind of " limbo '' bucket where it is neither a posted payment nor a pending payment. This is a UDAAP violation. This is unfair and deceptive, as it caused me to make an additional payment to you that I would not have otherwise made. I could not have reasonably avoided any of this as your systems did not reflect any pending or posted payment as of XX/XX/XXXX. 

Screenshots 1-3 were taken at approximately XXXX p.m. on XX/XX/XXXX, and Screenshots 4-5 were taken the morning of XX/XX/XXXX. Please refund my payment in the amount of {$300.00} and fix your systems so you can see that there is an automatic payment pending the day that it is scheduled to be paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Westlake Services, LLC
State: TX

Complaint narrative:
In accordance with a Fair credit reporting act [ WESTLAKE FIN XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 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 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I want cfpb & XXXX XXXX to get involved with this immediately Answers from SPS IS JUST A SPIN.They have with their attorneys among other things DUAL TRACKED and i have application in for assistance from state IHAF and have confirmed appt for certificate XXXX XXXX. 
I was told by the ombudsman department several time in XXXX they had got me a loan mod telling me payment would go up too {$2400.00} asking me if i would accept that I SAID yes The last call i got was XX/XX/XXXX XXXX FROM XXXX again ( ombudsman ) saying please be patient he was just calling to let me know he was on top of everything and as soon as he see final papers he would get back to me.Have not heard from him or anyone else since. 
Their attorneys tell judge no loss mitigation is pending. 
I dispute all numbers and want a real investigation of everything .I WANT you AND ILLINOIS ATTY GENERAL TO FILE INJUNCTION AGAINST THEM as they will not put file on hold on their own!! 
We have a hearing XX/XX/XXXX AT XXXX THEIR ATTORNEYS KEEP PUSHING IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NY

Complaint narrative:
LET IT BE KNOWN THAT THIS IS MY SECOND ATTEMPT TO HAVE THIS UNVERIFIED INFORMATION REMOVED FROM MY CREDIT REPORT. IF YOU CONTINUE TO IGNORE MY REQUEST TO VERIFY THESE ACCOUNTS ( I.E. : AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) I WILL BE FORCED TO SEEK REFUGE IN COURT SEEING AS YOURE VIOLATING MY LEGAL RIGHTS AND ABUSING YOURE AUTHORITY. ITS BEEN 30 PLUS DAYS SINCE MY LAST REQUEST, PLEASE SEND ME PROPER VERIFICATION ON THE FOLLOWING INQUIRY ACCOUNTS OR DELETE THEM.

Company response to consumer: Closed with explanation