vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX on XX/XX/XXXX and wired funds in full to XXXXXXXX XXXX and paid off the loan in full. Experian credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned Experian and was told to contact XXXXXXXX XXXX to have them contact Experian directly to correct. XXXXXXXX XXXX is saying they reported the correction on XX/XX/XXXX to Experian, but can not provide me with any documentation. Experian is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both XXXXXXXX XXXX and Experian and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law XXXX, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the Experian credit report updated so I can proceed with my closing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A company called XXXX XXXX  XXXX called me from XXXX attempting to collect a debt I dont owe. They called my mother and gave her information and said they didnt know why they didnt call me and the proceeds to tell me I dont sound like I have an education, didnt graduate high school and needed to go to work to pay my debts. He hung up and Ive tried calling again with just a voicemail option. There were no recordings saying this is an attempt to collect debt or anything. Ive never even had an account with Bank of America!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have attempted to contact Wayfair Credit ( Comenity Bank ) on multiple dates in the month of XXXX. The website would not allow payments, the website provided a variety of error messages. I also called their customer service number numerous times and was on hold for over two hours without an answer. Their automated service would allow for payments but would require an additional charge of {$9.00}. I signed up for emailed statements over a year ago, so statements would normally be emailed to me. However, no statement was sent to me for the due date in XXXX. The last statement I received was in XXXX for the month of XXXX. On XXXX XXXX at XXXX XXXX, I received a call from a number XXXX who stated they were Comenity Customer Service . I advised them that the statement for XXXX was never sent to me and I had been attempting to contact them for over three weeks. They related that I could pay over the phone, but I requested a copy of my missing statement, correction on my account to reflect that payments were unable to be made due to their system error and a new credit card which they still had not provided. The agent related that they had system wide issues. I was then placed on hold by the agent whom never returned to the call. I called the number back, and the automated system stated they were closed for the day. I am requesting correction to my credit report to removal any past due statements, updated credit card statements, and requiring the company to provide a new card as well. This payment has not been able to be submitted due to no fault of my own, as I was advised the company was sold to Bread Financial and their websites are having issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 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: UPGRADE, INC.
State: NY

Complaint narrative:
On XX/XX/22 I checked my credit score and I found out account was listed. Upgrade INC - loan type line of credit opened XX/XX/22. Balance {$16000.00}. I didnt open any accounts with Upgrade. Identify theft. I called to report the fraud and spoke with XXXX on XX/XX/22 at XXXX to report fraud and that I did not open any account. I wanted to speak to someone in company who handles this. I not received any calls or emails back from Upgrade. I did find out the corporate office address Upgrade INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. The second address found on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX AZ. I also filed a FTC report and made a police report on XX/XX/22. Somebody stole half of what I make in a year online. My credit and family now cant get proper housing due to identify theft. The company again has not taken any steps to correct what has happened. I was referred to make a complaint today by the FTC. I want my credit back and thieves caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: MI

Complaint narrative:
I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's 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 stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On multiple occasions we have found our loan officer to be dishonest, misleading, and generally unprofessional. We have complained to his manager and his manager 's manager about assigning a different loan officer to our file. Our loan officer, XXXX XXXX, says he has put in countless hours to our file and is not leaving. 

Our loan officer at Chase XXXX XXXX XXXX ) made misleading and, in some cases, false statements about a number of issues over the course of my wife and I attempting to qualify for a new purchase. These misleading and false statements include : 1 ) Saying that we needed to put down 20 % as a down payment because the county we were buying the home in ( XXXX XXXX XXXX Nevada ) was under COVID restrictions ; once the restrictions were lifted, we would be eligible to put down 10 % - 15 %. 

2 ) Saying that because we had a large available credit balance in our HELOC with a different Bank ; Chase underwriting viewed the entire available line of credit as if it was USED ( monthly payments being made by us on the entire balance ) and would calculate monthly payments to the HELOC lender using the highest allowable interest per contract with lender ( rate fluctuates with prime interest ) and the full balance of the line of credit, which made our Debt-to-Income ratio unfavorable. We needed to refinance the current mortgage on our home, and considerably reduce our line of credit ( reduce line by 74 % ) to qualify for the loan. 

3 ) Saying that Chase underwriting viewed the loss on rental property for one year would show as an additional expense of $ XXXX. It did not matter if the rental property was held in an LLC, or if the loss was due to adding back depreciation on the property and we had positive cash flow for that year. 

4 ) Providing incorrect expiration dates for the initial rate lock period. 

5 ) Three weeks before the expiration of the initial Rate Lock Period, Loan Officer asked if we wanted to extend the rate lock for - 15, 30, 45, or 60 Days ; as we moved closer to the expiration of the initial lock period, we asked our loan officer for a 60 Day lock and was then told by our loan officer that Chase no longer offers rate locks for more than 30-days. This will force us to purchase two or more rate locks from Chase instead of one. 

6 ) After almost a year of back and forth, our home is near completion and we are moving toward closing on the home ; now Chase is saying that due to the additional options ( which they were aware of ) we need to put up more money, approximately 24 % instead off 20 %, which is an additional $ XXXX. 

7 ) Loan officer took an action ( without consulting us ) that he knew could possibly have our loan suspended and then attempted to cover it up by saying that we told him to take that action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
On XX/XX/2022 at XXXX cst, I received a call from this company. They were asking for someone who I don't even know. When I explained to them that I do not know who this person is and that I've had this phone number for five years now, instead of resolving the issue or informing me that they'll update their information, they HUNG UP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: GA

Complaint narrative:
I have paid what I owed the clinic and I do have the receipts with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was recently made aware of Medical Data Systems violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX also to the CFO, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Medical Data Systems had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As Medical Data Systems has been in business longer than 30 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX XXXX XXXX ( Ignorance of the law excuses not ) All are presumed to know the law. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Medical Data Systems never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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