vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: MI

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: UT

Complaint narrative:
I moved into the XXXX XXXX apartment complex in the summer of XXXX. I began noticing inconsistencies in their contracts, verbal agreements and even in respecting our privacy. Many times the maintenance man brought people over to tour the apartment without giving us 24 hour notice or asking if we were comfortable. This individual has been accused of certain behaviors by my previous roommates, other tenants in the complex and myself. There were times things would be moved throughout the apartment that were not moved before, lights turned on that weren't before, etc. These would take place when no one would have been in the apartment for days at a time. During the summer of XXXX, XXXX was making it impossible for most of the world to be employed. Instead of understanding how I was one of the individuals that was unemployed and had paid my rent in advance, I wouldn't need to owe them any more money when it comes to my stay there. Many tenants had reported and still continue to report racial discrimmination issues with XXXX XXXX. I personally was charged double the rent of white tenants who had the same living situation as I did at the time. There were many false fees that they tried to charge me and my parents such as not having the apartment cleaned when I vacated the residents. I provided the company with detailed pictures of everything scrubbed and cleaned before moving out, I was then informed that I was lying about cleaning. This company NEVER takes responsibility for any of their actions especially when it comes to racial discrimminationn. The amount of times I have brought to their attention about the way they had made me feel or that their claims of owing them more money are completely false. There is a reason more people are coming forward about XXXX XXXX XXXX issues -- its a bunch of he says they say. There are more of them than he says. My credit is ruined because of the manipulation, violation of privacy and racial discrimmination that XXXX XXXX has placed on me and for that this complaint needed to be filed. They also took it upon themselves to forge my signature onto a new contract just to match what scam they were saying in the moment.

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 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID

Complaint narrative:
At the end of XXXX XXXX, Carrington Mortgage Services LLC offered to refinance my home and asked for a loan estimate from another company to see if they could offer me a better deal. Carrington offered me a conventional loan with much better numbers than the FHA loan I was considering from another lender. A payment for an appraisal was requested at that time. Because I had previously had a bad experience with an appraisal service, I told Carrington not to use that particular appraisal service. Two days later I received a call from the appraisal service I had the bad experience with, so I called the loan officer and told her again NOT to use this appraisal service. Another appraisal was ordered through another company and a refund for the first appraisal was issued within a week. I then paid for another appraisal from another company. I was told the appraisal would be approximately {$40.00} more, but in fact it was {$65.00} more. The day after the appraisal was ordered, the terms of the loan changed and the conventional loan had morphed into an FHA loan with numbers comparable to the first company I had received a loan estimate from. During the next week, the loan estimate changed two more times, so I contacted the loan officer and her manager to inform them I was no longer interested in pursuing a loan with Carrington and would they please return the appraisal fee. This was on or about the XX/XX/XXXX. A couple days later I received a notice from Carrington stating that my loan had been denied because, " We do not grant credit to any applicant on the terms and conditions you have requested. '' This adverse action caused my credit score to decrease when I was the one who canceled the loan process because of a lack of communication and an abundance of misinformation ( lies ). As of today, XX/XX/21, I have received no communication regarding an appraisal refund and no refund has been issued to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Balance Owed : {$3000.00} Open : XX/XX/XXXX CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balanced Owed : {$17000.00} Open : XX/XX/XXXX These accounts are on my credit report as collection accounts, this is a result of identity theft. 

I have filed identity theft reports with FTC and I have sent certified letters to CREDIT CORP SOLUTIONS dated XX/XX/XXXX ( when it first appeared on my credit report ). 
Receipt confirmation XX/XX/XXXX at XXXX. 

The company has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
For the XX/XX/2021 transaction date which posting XX/XX/2021, the following three fraudulent transactions were made with my Bank of America Card : 1. XXXX - XXXX XXXX XXXX XXXX - SERVICE STATIONS ( WITH OR W/O ANCILLARY SERVI- Reference Number XXXX, {$21.00} XXXX. XXXX - XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$9.00} 3. XXXX XXXX XXXX XXXX XXXX - AUTOMATED FUEL DISPENSERS, Reference Number XXXX, {$92.00} On Saturday, XX/XX/2021 at XXXX XXXX  I received a notification from " BofA Security ''. The notification asked me to confirm if I used my credit card at XXXX XXXX in the amount of {$XXXX}. At XXXX XXXX  I texted back " No '' to immediately notify the bank that my card was compromised. 

Reviewing my account, I became aware of the other three fraudulent transactions. I called Bank of America the morning of XX/XX/2021 to notify them of the fraudulent transactions. At that time, the bank asked me if I had the card in my physical possession, and I stated that I believed I did. Bank of America told me that they opened an investigation into the fraudulent charges and they issued me a fraud dispute credit. Only later that morning, when I went out to my car, did I realize that the Bank of America credit card was taken from the center console of my vehicle along with another credit card through XXXX XXXX. 

On XX/XX/2021, the fraud dispute credit was reversed. Upon receipt of this letter, I called Bank of America back with the additional information about the theft of the physical card. This claim has now been denied upon appeal twice, and, as recently as XX/XX/2021, they notified me that " unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed '' based on the " charge is consistent with previous charges with this merchant ''. Someone stole my card out of my car, which was parked in the driveway of the neighborhood I live. The fraudulent charges were then made at the closest gas stations to my home, therefore this logic for claim denial is faulty.

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Wrong address and wrong names listed on background check

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 2021-09-14 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: MD

Complaint narrative:
I have sent in my police report to TransUnion multiple times and informed them that the XXXX account was opened fraudulently. It was previously removed but is jow reporting again. I did not open this account abd it is harming my personal credit.

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 2021-09-14 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CA

Complaint narrative:
I'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
On XX/XX/XXXX Ive reached out to Equifax about a dispute against an item on my credit report from XXXX XXXX. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX XXXX  in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX . This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. I have also stated in my dispute reasons why a XXXX  XXXX account should be removed from my credit report as it was removed from my XXXX and XXXX XXXX account in which XXXX XXXX also agreed they had no knowledge of this account and agreed to remove it from my credit report equifax is the only credit bureau that didnt comply with the removal. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Equifax not doing their jobs properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CA

Complaint narrative:
On XX/XX/2021 I sent letters in regards to inaccurate and unknown things on my credit report. Til this day I have not received a response. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

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 2021-09-14 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my credit reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information.

I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
My wife and I booked a trip package including round trip first class rail transportation from XXXX XXXX, MN, to XXXX XXXX XXXX in Montana, three nights lodging, selected meals, and two tours with XXXX XXXX in XXXX and paid a deposit of {$750.00} on XX/XX/XXXX to XXXX XXXX. The amount of the deposit is what I am seeking through this letter. 

The trip we booked was deferred until XX/XX/XXXX because of COVID restrictions. We paid for the trip on XX/XX/XXXX, then upgraded our rail accommodations on XX/XX/XXXX, and paid an additional amount. Refunds for these amounts have been paid and are not included in this request. The {$750.00} deposit has not been refunded and that is what we are seeking through this complaint When we arrived at the train station in XXXX XXXX at XXXX XXXX on XX/XX/XXXX, we were denied boarding because the bedroom we had booked, and paid for, had been sold to other customers. No other sleeping rooms were available and since XXXX XXXX does not have a customer service telephone line to resolve problems encountered by travelers, we had to return to our home in XXXX, IA. 

The amount of our refund is not in question according to two representatives from XXXX XXXX  with whom I have spoken. I have made two attempts to secure the refund from XXXX XXXX  and while I have been promised prompt service by customer relations representatives, the deposit has not been refunded. Hence, I am seeking your assistance for a refund of the deposit. 

Mastercard has denied our claim since it occurred more than two years ago. The outbreak of the COVID virus resulted in the park being closed in the summer of XXXX and as a consequence we had to rebook our trip for XXXX. 

I appreciate your assistance with this matter.

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 2021-09-14 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a charged off account with capital one that was opened XX/XX/XXXX. Then they sold the account to a debt collector on XX/XX/XXXX so now it looks on my credit as if there are two negative accounts one showing from XXXX  XXXX and the other showing from portfolio recovery associates. Which is incorrect because they are potentially the same account. The account is over 6 yrs old therefore by Ohio law and the FCRA the debt collection company can no longer sue for collection of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 XXXX received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Transunion received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.

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 2021-09-14 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: MD

Complaint narrative:
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. NO THIRD PARTY OR OTHER PERSON IS INVOLVED. 
I recently made a complaint regarding information or items listed on my credit reports that I did not authorize consent nor benefit from. I then asked you to block and remove thos items. 
The case was closed because you responded that it appeared someone other than myself submitted the complaints. 
I AM RESUBMITTING MY COMPLAINT ON MY OWN BEHALF in hopes that it will actually be looked into this time.

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