vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive been building my credit over the past year and doing a pretty good job. I brought it up ( XXXX points from XXXX to XXXX ) and was looking at other ways to bring it up even furtherinvestigating XXXX XXXX and mistakenly opened a the line of credit XX/XX/XXXX, however, after researching more in depth, I realized that the credit builder account was for people with lower credit than I had at that point, so I immediately canceled it the same day, XX/XX/XXXX, and withdrew the money I initially invested. XXXX weeks later, on XX/XX/XXXX, my credit dropped XXXX points, the only change having been the closing of that account Compared to XXXX, who had lowered it XXXX XXXX for this account closure ( which I can understand ), TransUnion ( who partners with XXXX XXXX I found out soon thereafter ) seemed a bit extreme lowering my credit XXXX points, so I contacted them and XXXX XXXX and after forever on hold and being transferred back and forth the only answer I received was that opening and closing an account can drop your credit score and that the account was indeed valid ( which I never denied ). I asked why XXXX points? I said the account was opened mistakenly same day, and is there no grace period? An Investigation took place. Again confirming that I did indeed open the account, nothing was done about my credit score decreasing so much. Also, it shows that it was open XX/XX/XXXX and closed XX/XX/XXXX. How can that be correct??? 
( See enclosed photos )

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: NY

Complaint narrative:
I sent this as an email to management at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX and XXXX, XXXX, Hunter Warfield contacted me on behalf of XXXX XXXX XXXX XXXX XXXX and claimed that I owe {$12000.00} to XXXX XXXX XXXX XXXX XXXX. At this time, I would like for you to be advised that I am disputing this claim. 
On XX/XX/XXXX, during our visit at XXXX XXXX XXXX XXXX XXXX, your representatives XXXX XXXX, a XXXX XXXX employee and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX attorney. Your representatives presented and signed the Stipulation of Settlement to waive the {$12000.00} rent arrears provided I vacate the apartment on XX/XX/XXXX. 
Your failure to adhere to the agreement and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited letters, calls or text messages will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collections efforts in the attempt of collecting said debt. 
If you do not cease the aforementioned activity a lawsuit will be commenced against you. 
I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, text messages, emails, and negative credit reports, and that you update your records immediately. 
If action is not taken by you to cease and desist, and if you do not confirm in response to my email Monday, XX/XX/XXXX, and by mail XX/XX/XXXX, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 
I will also seek monetary damages to be proved at trial. Hopefully this recourse is not necessary, I have my own interest to protect and will vigorously do so. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
Arvest Bank and its subsidiaries have been noticed at least five times starting in XXXX to verify a debt they claim I owe. I have sent certified mail request to Arvest Bank to verify the debt. We sent requests to see the actual assignments with the signatures of the transfer and the accounting of the consideration given for the supposed assignments for the Promissory Note and Deed of Trust ( DOT ). We asked for a certified under penalty of perjury copy of the wet ink signature promissory note front and back which has not been provided. The bank states they are the secured party and holder in due course of the Instruments without providing proof. 
As of XX/XX/XXXX Arvest Bank has sent a copy of the DOT and a copy of the Promissory Note ( without wet ink signature ) stating that the Instruments say they are the secured party. Neither copy of the documents memorialize its transfer to anyone. I have communicated numerous times the deed of trust is unsecured because they can not produce the Original Promissory Note with the assignments or allonges. In two of the letters, the Arvest representative said they have the original documents and if we wanted to inspect them, we needed to travel from XXXX  to XXXX  to inspect them. 
Since XXXX we have asked for the identity of the owner of the Note, Arvest Bank finally disclosed on XX/XX/XXXX the private lender/owner of the loan. XXXX pass thru mortgage-backed security XXXX XXXX ( XXXX ). After researching the Trust and reading the pooling and servicing agreement, Arvest Bank cant have the original documents because the pooling and servicing agreement states Mortgage servicers do not have the original documents. Additionally, when researching the Trust our mortgage and note was terminated/written off in XXXX of XXXX. They have been collecting payments for 4 years on a written off mortgage. They have not replied to our discovery. I sent Arvest Bank proof of claim from XXXX website, the custodian of the Trust ( XXXX XXXX XXXX. ). 
Another issue I have uncovered is the lender on our Note and Deed of Trust is listed incorrectly which makes the Note and DOT unenforceable due to flaws. There have been numerous irregularities and errors with our XXXX mortgage transaction. 
Arvest Bank has initiated Foreclosure proceeding when they have no beneficial interest in an unenforceable terminated ( written off by the Trust ) Note and DOT. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALPHA MIDCO INC
State: IN

Complaint narrative:
I was told this was an attempt to collect several different medical debts that XXXX  sold it to some place called sapientes funding to cover up that it was medical related, who then handed it over to XXXX XXXX XXXX to handle. These debts were paid by insurance and all copays were paid. There should be no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a THIRD dispute with the bureau. I have reached out and let them know I was a victim of identity theft and if they can removed these accounts from my report. 
As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 
this is my third letter reaching out without a response.

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 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I made a payment on my XXXX student loan, ( which does not go into repayment status until XXXX ) on XX/XX/XXXX through NelNets website. I confirmed that the payment was deducted from my bank account on XX/XX/XXXX. Servicer ( nelnet ) and XXXX XXXX do not show this payment having been made as of XX/XX/XXXX. Spoke with Nelnet for over 2 hours. They stated that the main system does not show the payment was made. They had to reach out to another department and was able to verify that they did receive the funds on XX/XX/XXXX, XXXX advised they would put a ticket in for the funds to be credited to my account which would take XXXX weeks. This is not handling my payments in a timely manner. I request that they provide a provisional credit so that my account would reflect an accurate balance since they have verified that they received my funds and so that I could continue to make my payments and this was verbally denied. I was told not to worry, it would be fixed in 4-6 weeks and there was nothing they could do. Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2023, I was charged annual membership fee of {$95.00} for my XXXX of XXXX credit card. On XX/XX/2023, Chase closed my XXXX of XXXX credit card account due to its bank policies. I am requesting this annual fee be refunded as the account was closed by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I filed a complaint with the ombudsman XX/XX/XXXX, as of today I have not heard back. 

1. How my {$3600.00} payment on XX/XX/XXXX to chase was applied by SPS along with {$1400.00} escrow balance at the time. 

2. All statements have other charges and fees. I Want a detailed reason for each of the fees from {$120.00} upward to {$200.00} what they are for? AND What is today 's total for those fees? 

3. I Want a detailed reason why partial payments and unapplied monies continue monthly for years. Where is the money sitting and why is it not fully applied? 

4. I Want a detailed reason and know where this money sat for months from check # XXXX for {$1400.00} from XX/XX/XXXX documented as escrow only. SPS ADMITTED THE ERROR and refused to apply the monies to escrow from the date of the check as discussed with a representative that it would be. After SPS applied it, who knows where! I want to know! At the same time SPS ran 6 escrow analysis and never credited my escrow account but changed my monthly payments each time. 


5. XX/XX/XXXX my monthly payment was made of {$960.00} with a second payment XX/XX/XXXX of {$2900.00}. I Want a detailed explanation where this money was applied. 


6. I Want a detailed explanation of expenses pd by servicer and property fee FOR WHAT? Nobody has ever knocked on my door from anywhere related to SPS yet fees continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have no knowledge of the following inquiries, neither did I authorize them. please remove/delete them from my credit report, as pursuant to 15 U.S.C 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
ON XX/XX/2023 EQUIFAX WAS SENT A DISPUTE THAT MY TRACKING NUMBER THAT WAS PROVIDED SHOWS THEY RECEIVED. As of today they have yet to process my request I also sent them an FTC report to dispute this matter and they have yet honored my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1666b - a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. Under 15 USC 1681S-2 Responsibility of furnishers may not report late payments during COVID-19. All late payments need to be removed immediately and display status PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately.

These companies listed are in violation. Under 15 USC 1681 section 602 A, I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Tried to call them 5+ times No answer Fraud from XXXX on my account Says its pending but havent provided updates on mail received

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 2023-11-29 00:00:00
Product: Credit reporting 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have never had an account with PORTFOLIO RECOVERY ASSOCIATES.

Company response to consumer: Closed with explanation