vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: IL

Complaint narrative:
Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. 
XXXX has me at a credit score over 710. Transunion has me at a score around 660. That is a huge difference. Transunion paints me as a Bum. XXXX say I have good credit. What the heck is going on here. 
Have have almost no debt. ( I prefer debits cards. ) I have a perfect repayment record. 
I have very low credit utilization. 
I have XXXX negative credit items outstanding. 
I have modest but ok income. Social Security. 
Something is wrong with Transunion. I do not understand why they are abusing consumers. 
I did try to get a " free '' credit report from Transunion. This was a fist step towards attempting resolution. They charged me XXXX without my authorization. They refused or were unable to refund. I had to reverse the payment through the credit card company. That was after attempting to contact Transunion more than 10 times. 
Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in.

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 2021-04-12 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Reference J.P. Morgan Chase PPP Loan # XXXX Lender PPP # XXXX I am writing because I received the above-mentioned PPP loan from Chase in 2020. 

Yet, despite the loan being fully disbursed in XXXX of 2020 and three separate requests for forgiveness submitted with full SBA-approved support, and multiple complaints including one  from my attorney Chase has failed to properly classify my loan as either fully-disbursed or forgiven. 

This failure to classify the loan correctly is now preventing me from receiving a badly needed 2nd PPP  this year. I have been attempting to get this resolved since XXXX of XXXX  when the first forgiveness application was submitted. 

No ethical, responsible, professional financial company should be allowed to put a business customer in limbo for more than 9 months without any explanations or even cursory attempts to discuss the matter with them. This is especially true of a financial institution that is being paid by the Federal Government for the proper and efficient processing of these badly needed funds to small businesses. 

This is gross negligence in the extreme, a violation of the public trust, fraudulent use of taxpayer dollars and is causing me, my staff, my vendors and other clients and business owners who used Chase for their PPP loans no end of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
In 2018 enhanced recovered company tried to wrongfully charge me {$1400.00} for unknown charges from XXXX! I am no longer with sprint and no nothing of these charges so I disputed the bill! It was deleted from my credit report. Now it has returned to my report without explanation. I would like ERC to stop harassing me and remove this charge from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received alerts that my credit was being accessed by Bank of America on XXXX. 
I immediately called BOA today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from BOA came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w BOA on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX XXXX and a few other creditors who alerted me that BOA checked my credit again today. So I don't care if BOA doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at BOA who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
United Wholesale Mortgage refuses to set up an escrow account. I sent all the information requested. Each time I follow up they ask for the same information again even though I provide proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I'd Really like for XXXX  to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : Capital one bank # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: WA

Complaint narrative:
In XX/XX/2020 I wanted to start building my credit and XXXX XXXX XXXX  I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. Experian refuses to remove the fraudulent collections account from my credit report. I believe Experian is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. Experian refuses to remove this debt and I am not sure what else I can do.

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 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal allowed fraud on my account, allowing a person to not only enter my account, but to change the email address and to lock me out of the account. 

The same actions happened on Paypal sister company, Venmo A bank transfer was then processed, withdrawing {$740.00} from my checking account, despite my alerting Paypal of the fraudulent use of my account. 

Notifying Paypal was difficult, as all communication requires logging into an account that Paypal allowed me to be locked out of. 

Emails have gone unanswered My email address was NEVER compromised and I never clicked on a link to enable the fraud. Paypal and Venmo both allowed someone to change my account login simply using a phone number - no passwords or security questions were ever required to stop the fraud. Paypal keeps trying to say this fraud was my fault and refuses to acknowledge that with only a phone number, an account can be fraudulently accessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: NC

Complaint narrative:
My family and I moved from an apartment complex owned by XXXX XXXX XXXX, XXXX, NC, in XX/XX/XXXX. A charge of {$500.00} and {$130.00} was applied to our credit report by the leasing agency, Lease Term Solutions of NC. The charge was regarding treatments of a pest infestation that initially occurred before moving into the apartment a year earlier, in XX/XX/XXXX. XXXX XXXX Properties homeowners insurance should have been applied to correct this problem, but instead, we ( the tenant ) were billed, and eventually, the item was placed on our credit report. On XX/XX/XXXX, we made a visit in person to the XXXX XXXX apartment complex office to rectify the issue. The attending agent informed us that several leasing agencies held the leasing contract over the last several years. After searching diligently through the current and historical data, the representative could not locate the charges in any of the files. She didnt even know which collection agency that was trying to collect these charges. We went to our collection report and filed a dispute. The result came back as this is a valid and accurate collection account from IQ Data International. Today, XX/XX/XXXX, I called IQ Data requesting the incorrect data be removed, and they promptly refused. We are contacting your agency to help us get these two items removed from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I had a mortgage with TD bank, which I always paid on time. Then I received a statement from the bank that the complete amount of {$230000.00} was due. I did not receive a warning letter or anything, just the balance due statement. I immediately contacted TD Bank and was informed that the loan had matured and was due. They advised me that these type of loans are illegal but that they had previously purchased it from another bank. I immediately started the refinance process with the same bank. In the meantime TD Bank sent me threatening letters and charge me a {$12000.00} late fee. I contacted my loan officer and was told that they are two different departments, and that there was nothing they could do. How can that be? It is the same bank. The loan has now closed, but not until I paid a {$12000.00} late fee, and my credit was knocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: AmeriHome Mortgage Company, LLC
State: RI

Complaint narrative:
I was on a covid forbearance plan, and all of a sudden XXXX and Anerihome reported my mortgages as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
We have a mortgage with TD Bank. We have been working diligently to pay it off. From XXXX to XXXX I paid them {$7000.00}. I made the payments online exactly how I have for years. To my surprise in XXXX I showed as having a late payment. They had not correctly allocated the payments I made. They said it was all fixed yet couldn't provide me with detailed transaction statements to show that I was correctly credited and wasn't charged additional interest. 
On XX/XX/XXXX I transferred {$8500.00} from another bank directly to the mortgage loan. It showed they received it on XX/XX/XXXX. However, this money is sitting as " Misc Receipt '' since XX/XX/XXXX and they have not put it towards my loan. I am paying daily interest on this loan which should have been paid off last week. 

PLEASE ASSIST!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NJ

Complaint narrative:
I'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : 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 2021-04-12 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: Cedars Business Services, LLC
State: WA

Complaint narrative:
In XX/XX/2020 I wanted to start building my credit and checked XXXX XXXX I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. XXXX  refuses to remove the fraudulent collections account from my credit report. I believe XXXX is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. XXXX  refuses to remove this debt and I am not sure what else I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: OH

Complaint narrative:
I received alerts that my credit was being accessed by XXXX  XXXX XXXX on XXXX. 
I immediately called XXXX today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from XXXX came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w XXXX on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX  XXXX and a few other creditors who alerted me that XXXX checked my credit again today. So I don't care if XXXX doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at XXXX who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NJ

Complaint narrative:
I'd Really like for Equifax to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation