vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: NY

Complaint narrative:
A personal loan was fraudulently taken out in my name in XX/XX/2022 from XXXX XXXX XXXX. I attempted to contact the company but had no success with the phone number on the report. I disputed the personal loan with all three credit reporting agencies. All three came back with the result that the loan was verified as mine, however the loan balance was then brought down to {$0.00} and the account was closed. The loan is still on all three credit reports and has a derogatory mark of payment being 30 days late. I want this to be completely removed from all three reports as it was opened fraudulently.

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 2022-12-02 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: NY

Complaint narrative:
A personal loan was fraudulently taken out in my name in XX/XX/2022 from XXXX XXXX XXXX. I attempted to contact the company but had no success with the phone number on the report. I disputed the personal loan with all three credit reporting agencies. All three came back with the result that the loan was verified as mine, however the loan balance was then brought down to {$0.00} and the account was closed. The loan is still on all three credit reports and has a derogatory mark of payment being 30 days late. I want this to be completely removed from all three reports as it was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent out a written request to the three major reporting agency ( XXXX, XXXX, and TransUnion ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent out a written request to the three major reporting agency ( Experian, XXXX, and XXXX ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.

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 2022-12-02 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: CA

Complaint narrative:
Equifax SEE ATTACHED XX/XX/2022 and on going dispute XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Public Record ) Again registered letter over 30 days ago submitted legal documentation PROVING responses/verified a lye of error requesting immediate removal damages have been done to higher court these in question do not meet the reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
XXXX XXXX tried to make a transfer to XXXX  from my HSBC checking account like I had done a multitude of times. Got a call shortly after to confirm that it was me making the transfer. Confirmed successfully as far as I know ( was kinda hard to understand the agent ). Then a few hours later when loging in to check on the transfer got a " creditials suspended '' pop up. Called the number where I was told my account was recommended for closure and then transferred to another team who gave me 0 information regarding the reason.

Every 2 weeks ish after I have chatted and called to try and get information regarding reason but have not been able to get an exact reason beyond " account recommended for closure '' and the process supposedly takes XXXX days. I have $ XXXX sitting in an account I can't access nor have gotten a reason for it being marked for closure. Nor any sympathy about the fact my money isn't accessible. It is ridiculous, and there teams have done nothing but give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CORELOGIC INC
State: MI

Complaint narrative:
Demand for proof of payment for property taxes in XX/XX/2022 On XX/XX/2022 I made a payment for my property taxes {$490.00} by my personal check XXXX XXXX According to unnamed " Financials '' coming from unknown to me parties, I was " charged '' for my property taxes again, while nobody provided me any evidence or authority to pay for my property taxes. 

I demand proof of payment for my taxes in XX/XX/2022 ; and the name of the Company who made this payment and name and contact information of its responsible employee ; and the name of Company who authorized this payment and the name and contact information of its responsible employee.

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 2022-12-02 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: IL

Complaint narrative:
Experian has been reporting derogatory information for 7 years and have not removed the information from my credit report. XXXX first reported this account derogatory XX/XX/XXXX and the company reported the account derogatory again in XX/XX/XXXX when the account was in fact current. Experian is reporting derogatory information for an account XXXX XXXX XXXX and the account status was updated to derogatory when the account is Current. I have in good faith tried to correct this information with Experian and they continue to ignore and dismiss my dispute. I will continue to dispute this information until we end up in court. I will take all of my previous disputes where experian has done nothing as proof in court that I have tried to rectify this situation.

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 2022-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I was awarded the haf program in XXXX of 2022. I have been on a COVID forbearance since because haf payments were comming in late into the month. The forbearance has been active since XXXX and payments were getting applied. Until XXXX when they stopped getting applied. I speak to haf and they tell me they sent my mortgage company XXXX, XXXX, XXXX payments and my mortgage hasnt applied them. When I spoke to United wholesale mortgage now they are telling me they probably sent them back to haf since Im on a forbearance until end of XXXX. That doesnt sound right because I been on a forbearance since XXXX and payments were getting applied since XXXX and just stopped in XXXX. I need answers I need my payments applied this a Government program and I was awarded 18 months of payments to my mortgage and they cant just hold the money and not apply it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a respond from " Caliber Team '' who informed me that Caliber started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from Caliber and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on Caliber 's letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that Caliber started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to Caliber on XX/XX/XXXX, as Caliber 's loan XXXX. 

I demand to verify which " loan '' was " serviced '' by Caliber - XXXX or XXXX ; who appointed Caliber as a Servicer, with the name of the company and names and contact information for the individual employees who hired Caliber as their Servicer and issued directions to Caliber 's individual employees. 

I demand to verify when exactly Caliber started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by Caliber. 

Name of the Company who GRANTED and who released servicing rights were released from Caliber and transferred to XXXX and the name of an individual employee who released Caliber 's " servicing rights ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: OH

Complaint narrative:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact.

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 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Financial, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I received a respond from " XXXX XXXX '' who informed me that XXXX started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from XXXX and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on XXXX XXXX letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that XXXX  started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXXXXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to XXXX on XX/XX/XXXX, as XXXX XXXX loan XXXX. 

I demand to verify which " loan '' was " serviced '' by XXXX  - XXXX or XXXX ; who appointed XXXX as a Servicer, with the name of the company and names and contact information for the individual employees who hired XXXX as their Servicer and issued directions to XXXX 's individual employees. 

I demand to verify when exactly XXXX started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by XXXX. 

Name of the Company who GRANTED and who released servicing rights were released from XXXX and transferred to XXXX and the name of an individual employee who released XXXX 's " servicing rights ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CT

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-02 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: OH

Complaint narrative:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or XXXX-party database search. Please also notify the source who reported the item within XXXX XXXX after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems Provide verification of the following : XXXX. The original Application or contract ; XXXX. Any and all statements allegedly related to this debt ; XXXX. Any and all signed receipts ; XXXX. Any and all canceled checks ; XXXX. Original date of default and collection activity begin XXXX. Whether you purchased the debt, and if so, the amount paid for the debt XXXX. The date ( XXXX ) the debt allegedly accrued ; XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXXXXXX XXXX of the first contact.

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 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A few days prior to the incident I had some fraudulent activity on my bank account. On this date I had made a {$40.00} cell transaction and immediately was contacted by what I thought was Bank of America telling me I had more fraudulent activity and that someone was attempting to take money from my account. It was very coincidental that Ive had just used the XXXX app and was then contacted immediately by the scammer. I felt that it was connected because of the recent fraudulent activity and they represented themselves as Bank of America. I was sent a confirmation a phone call many things that led me to believe that this was legitimately again the fraudulent team at Bank of America. I almost never use XXXX and was not familiar with all the risks and possible scams that this type of money transfer comes with and do not feel the Bank of America adequately protected my information because I was instantly contacted while I was on XXXX for the first time. I sent money to myself via XXXX I thought is a part of the scam. I have a phone number I have documented pictures of the text message I was sent and I contacted Bank of America within hours of this transaction. It was a Saturday evening XX/XX/XXXX and contacted them first thing in the morning on a Sunday within hours of the event because I felt something was not right. I immediately filed a claim with their fraud department and was told that someone would be contacting me to get more information regarding the name the phone number and any other evidence I had and was never contacted. I sat for hours and I have proof of those hours I sat on hold trying to speak to someone in the fraud department multiple times following the event. They did not ever contact me. they never answered the phone subsequently when I called and then denied my claim. The event took place on XX/XX/XXXX but they show the transaction happening XX/XX/XXXX I called them XX/XX/XXXX this was a very quick response and I feel they have dropped the ball and not protected my information adequately they had plenty of information they could have followed up on but did not.

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