vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX are stating i owe them XXXX for a service call that was cancelled. Hurrican Ian hit us in XXXX FL in XXXX 2022, my pool heater stopped working. they told me it would be 6 weeks before they could get here i called them two days later to inform them i had a company coming out in three days. They were ok and cancelled the appt. In XXXX i received a call stating i owed them for a service call. i explained i had cancelled and a technician did not come to our house. they told no problem ; they would take care of it. in XXXX i receive a bill in the mail. I called again, they were apologetic, and they were to remove the balance. in XXXX i received a collection letter from A.R.M services agency Account number of XXXX collection services stating i owed the amount. i wrote the company ARM and they were contacting the company. I called XXXX XXXX and the lady told me they were on a new system and that's why there were no records, but it was out of their hands. I have a great credit score of XXXX and want to keep it that way. please help me to reverse this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been waiting for months to get a mortgage assumption package transfer under my name and the bank keep asking over and over for the same documents without a final decision. I dont know what to do anymore, this is very stressful and frustrating. I have been waiting for a response since XXXX, 2022 without even knowing what the end result will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
on XX/XX/XXXX i received a alert from my XXXX app that my credit score had dropped XXXX points which brought me to a poor rating. i instantly called the number showing on my app and asked credit collection services what i had collections for, they stated to me that i had a collection of XXXX for insurance on my old vehicle, i stated to them that this vehicle had been sold, and that i had cancelled the policy months before my credit score dropping. i asked the lady what i needed to do to get it off of me and make my score go back up and she told me if i paid the XXXX that they would promise to remove the collection from my report due to them not contacting me via cell phone or home address, or actually at all just going straight for my credit. i then paid the amount, days later nothing changed and now they are stating they will not remove the collectio, my collection accoun number is XXXX and the confirmation that i paid it in full on XX/XX/XXXX after the collector promised if i paid they would remove the collection is XXXX i had canceled the police via cellphone through the XXXX  app the day i sold the vehicle, payments should have stopped then and i also had direct payment set up from my bank account, I have never missed a payment before i had great credit and a great history until this, and this collection agency failed to report it to me before destroying that for me and they also lied and stated they would remove it if i paid. im not worried about the XXXX i just want my credit back the way it was and the collection removed, because this was not due to my fault this is on XXXX for not closing my account like they stated they did and the collection service. I opened a dispute on this afterwards, but the company did lie and tell me they would remove this once i paid and instead on XX/XX/XXXX they added a additional collection for the same thing with a {$0.00} amount which when i contacted credit control services about they ignore me and disclosed they could not speak about credit reporting. If they do not remove the collection I will be contacting a lawyer and I also will be move forward with submitting this to XXXX, XXXX and XXXX XXXX after i hear back from this, i am attaching my credit history showing no missed payments, the 2 collections from them ( for the same thing ) and the reciept where i paid them, I spoke with a XXXX agent on XX/XX/2023 at XXXXXXXX XXXX and she stated to me my XXXX local agency is XXXX XXXX she said my account with XXXX is paid in full and they are unaware of the collection amount that credit collection services put on me and she said i also should persue getting this removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 2023-04-10 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: FL

Complaint narrative:
I reached out to this company back in XX/XX/2022. And advise them to remove the inquiry.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

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 2023-04-10 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: FL

Complaint narrative:
I called them several times to remove fraudulent inquiries I got on my credit report and they haven't done so, even tho they told me they were going to delete them within 24-48 hours. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10 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: VA

Complaint narrative:
I need TransUnion to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from TransUnion. 

I dispute this account under 15 USC 1692g validation of debts.

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 2023-04-10 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: VA

Complaint narrative:
I need XXXX to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR

Complaint narrative:
Response to Complaint ID XXXX Submitted XX/XX/XXXX Bank of New York response XX/XX/XXXX Can you please provide : Exact dollar amount : {$4100.00} Reference numbers : Bank of NY has a assigned no reference # to this case Transfer to : Bank of New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. 
Routing # : XXXX Transfer from : XXXX  XXXX XXXX account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Trace initiated by XXXX  XXXX XXXX XX/XX/XXXX Description of complaint below : I initiated an on-line transfer of {$4100.00} from my XXXX  XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. XXXX  XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX  XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX  XXXX XXXX escalated the case to their fraud department and I was informed by XXXX  XXXX XXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX  XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : MN CHILD SUP Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXDEPT OF EDUCATION/XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX15 U.S.C 1681 Section 602 A states that 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-11 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: GA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 I did not give anybody written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
NCRAs are not in Metro 2 Compliance, See attached.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
NCRAs are not in Metro 2 Compliance, See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
I tried to close my account with MACU. They stated I couldn't close it until the account was current. I put enough money in the account to cover the charges I made. The credit union kept posting payments to it, which resulted in multiple overdraft payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified 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 non-monetary relief
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified 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 non-monetary relief