vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
In trying to resolve my foreclosure with SPS, an appeal of my request for mortgage assistance denial was emailed to the relationship XXXX and to XXXX  the SPS XXXX XXXX  on XX/XX/22. A representative from XXXX emailed a reply directing me to call SPS  and speak to a relationship XXXX. On XX/XX/22 I called SPS  at XXXX am. XXXX answered the call but released it ( claiming no one was on the line ) and a second call was made at XXXX am. XXXX answered this call and we immediately asked for a supervisor. Rather than getting a supervisor she attempted to ascertain what was needed and proceeded to provide erroneous information. She put the call on hold numerous times saying that she was looking into the account. She determined that a reply to the appeal would be available on XX/XX/22 after XXXX days. When it was pointed out that XX/XX/22 is more than XXXX days from the appeal submission, she said it would be received by XX/XX/22. Each time she was asked for a supervisor, the call was put silent hold. XXXX checked the line after extended periods but never provided any additional information. Finally, after XXXX hours on the telephone there was no response from XXXX who abandoned the call. The written decision on my appeal was delivered by mail the same afternoon. XXXX not only provided incorrect information, but refused to escalate the call as requested. 
In the denial to the assistance review decision dated XX/XX/22, SPS wrote You indicated you have a lump sum to apply to your account. Contact SPS  to discuss if options are available. I responded with another appeal indicating the amount I can pay. No relationship XXXX explained why my proposed payment of {$50000.00} was insufficient or what amount would be satisfactory. The written response to my proposal said You also requested assistance and want to use funds for a down payment. Please contact SPS  to discuss if options are available. Although SPS  has this language in the communications, it isnt following through by making authorized personnel that are qualified accessible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXX XXXX  : opened on XX/XX/2022 XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-28 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2022-12-28 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: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Account number : XXXX Case number : XXXX I wrote to Bank of America about the ongoing dispute that I have with the company XXXX XXXX Florida XXXX. On XXXX XXXX XXXX, I negotiated a contract with this company for the gutters installation on my property. They gave me a quote of {$2300.00} to replace old gutters with 6-inch seamless gutters in white. On XX/XX/2022, the company installed the gutters while I was not home. I agreed to pay the balance of {$2300.00} after I came home and inspect the work. I came home after XXXX XXXX. I reached out to the representative XXXX by text at XXXX to offer to make payment. I was told that they can do a credit card payment only. They did not accept any other form of payment. He was also pressuring me to pay that day. He would not offer to return to pick up cash. My hands were tied so I gave him my credit card information. He said there would be a {$25.00} charge to bill on my card. I was very angry at this point. But he insisted that he got paid that instantly. 
After I got rid of him by providing my credit card information, I reviewed my charge online and I noticed he charged my card {$2500.00}. I was so upset, and I call and texted him back that night. I did not hear back until the next morning. He realized he did not charge me correctly and he offered to reimburse me for {$100.00}. I explained he overcharged me XXXX and asked for that amount to be credited to my account. He replied no, he will only give back {$100.00}. I then call my credit card company to report this bait-and-switch tactic that the company was using. Little did I know that Bank of America does not have the balls to stand up and fight for customers when it comes to these types of disputes. Bank of America has received my copy of the dispute, for the past three months but refuses to move to solve this problem. Instead, Im asked repeatedly to prove myself. I have called on multiple occasions to solve this problem with the credit card company and have not gotten anywhere. Im attaching the text messages that I had with the horrible company for review and the quote I received from them.

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 monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the past two years, I have been getting the run around from TransUnion regarding access to my Credit Report and Score.

First, they said that you could not view my report/score because they needed to verify my identity and requested to send them copies of my social security card and driver 's license. On XX/XX/2021, I sent them the requested information and a summary of the issue. 

Since then, I have called TransUnion several times to follow up, and every time I call, they give me a run-around and send me from department to department only to tell me, " we are working to resolve the issue, and someone will be in touch within 72 hours. '' However, nothing gets done, and no one calls me back. 

TransUnion has so much power over my creditworthiness and financial life. But, unfortunately, they are not reliable nor a responsible party to have this privilege. 

I would greatly appreciate any assistance you can provide to address this problem as soon as possible.

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 2022-12-28 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: MI

Complaint narrative:
XXXX and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!

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 2022-12-28 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: NC

Complaint narrative:
The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXX. XXXX 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 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
XXXX I had loss of income do to XXXX, i than had a XXXX  XXXX that I could no longer afford, and I couldnt stay current on my current mortgage payments. my mortgage gave me a XXXX XXXX forbearance, however never disclosed all money would be due at time forbearance ended. I assumed it would go to the end of my loan. I have been attempting to get a loan modification since before XXXX of XXXX. Countless times Ive have been told told documents havent been received via fax or email uploaded pdf file. Even after speaking with numerous agents to locate things that were already sent the processor keeps asking for the same documents, or because so much time has passed now I have to resign and date documents. I call to check status and still notes of processor still asking for duplicate information. I have filed another XXXX XXXXXXXX trying to save my home the mortgage company has objected stating that it doesnt take a long period to complete a loss mitigation application with their company. However, I have documentation showing that Ive submitting these documents and yet my file is still incomplete. It seems as this department is in the business of helping owners lose the property instead of stay in them. How come the loss mitigation department is the same name as my lender, so I assume this isnt a third party company handling my application. However the lawyers for Dovenmuehle Mortgage seem not to know where I am in this process and cant see why my application has been completed to see what options are available to me. I am doing everything in my power to get them what they, need and yet I have no one to check with to make sure they are doing what is needed to be done so my family and I can stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXXXXXX XXXX : opened on XX/XX/202XXXX XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
To whom this may concern, My name is XXXX XXXX XXXX , and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-28 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:
I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MOHELA
State: GA

Complaint narrative:
An affidavit was sent in XX/XX/ and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am an XXXX  XXXX woman who was struggling to live in the cold northeast. It took every effort to make the move to my son in the west coast. I opened a new account with a local credit union and closed my account with TD Bank. Upon closing the account TD Bank informed me they would only give me an account closing statement or final account statement in person. I can no longer travel and should not have to travel to the other side of the country to get a closing statement. I am applying for low-income senior housing and they are requiring that I provide the TD account closing statement. I have talked with TD Bank on the phone several times and they insist I can only get a closing statement in person. My son says this is elder and disabled person abuse along with a volition of me being able to obtain my own data but I am unable to convince TD Bank to mail or email me the final statement. I appreciate any help you can provide in obtaining my final statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated.

Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Pursuant to 15 U.S Code 1681 604 2 : It 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 2022-12-28 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
Rocket mortgage assumed my loan as the mortgage servicer, this mortgage has been in force for approximately 5 years. The escrow disbursement for payment of property taxes has always been received by check prior to XX/XX/XXXX of the current tax year for payment. I received my XX/XX/XXXX billing statement on XX/XX/XXXX. ( statement date XX/XX/XXXX ). Under the escrow it indicated that there was XXXX disbursement, I called Rocket Mortgage service help line ( XXXX ) XXXX and spoke with XXXX. She acknowledged the expected disbursement date of XX/XX/XXXX in the account notes but did not have a reason or any further information as to why my tax escrow check had not been sent. She did state that it should be sent before the tax due date in XXXX. I explained that the escrow check needed to be received before XX/XX/XXXX. Then paid for tax purposes as had been done for all other prior years. I requested that the escrow tax check be overnighted by XXXX, She stated that she would forward the concern to the Tax and escrow department ( I was told that I could not speak directly to them as they were not customer assessable ) and they would call back within XXXX if not that same day. I was called back by XXXX XXXX. XXXX hrs later, she restated that the escrow for taxes would be sent prior to the due date in XXXX and had no further explaination but said that the tax and escrow department would now call back within 48 hours if i wanted them to, I said I needed to speak to them now as the deadline to pay my property taxes was within that 48hr window. She again stated that that department couldn't be accessed directly by the customer. I then asked if there was someone to lodge a complaint with either with the company and/or federal regulatory agency. She said no that isn't something she was aware of and knew of no other contact numbers. I stated that I would do the research myself and that how this CFPB complaint came about

Company response to consumer: Closed with explanation