vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I use to have internet and cable through the provider but I ended up moving. I will admit I didnt turn in the boxes at the time of cancellation ( which I sent the boxes through UPS at a later time ). I informed the company that I would no longer need their service due to moving and switching companies. They NEVER CANCELLED MY SERVICE AND CONTINUED TO CHARGE ME for months I wasnt there. It literally took me a while to realize that I was still being charged for the internet service because I had autopay set up. I called them and told them that they w were BEEN supposed to stop charging my card due to me no longer being there in which they did charge my account back. Next thing i knew they hit my credit for the money that they charged back. I called over to them and they told me that they would fix the issue and they apologized being I did move and contacted them about the issue per their records. I have been going thru this for about XXXX  years now and still no change. Every time I call they say they would fix the issue in which they never have. Ive spoken with supervisors and all and still no change after being promised theyll fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have repeatedly sent three XXXX  in accordance with BOA 's own instructions and policies. The law requires they answer within 30 days. They typically take months to reply, which is a deliberate delay tactic. It is also illegal. 

I have repeatedly requested a simple YES or NO answer to the following question : Does Bank of America have the original wet ink signatures and original loan documents in their possession? 

They refuse to answer that simple yes or no question. They refuse to give me a simple " yes '' or " no '' answer. 

Upon information and belief, they have lost or deliberately destroyed the original documents, which they are required to maintain as a matter of law. 

I have also asked " if you have these documents in your possession, where can my representative go to review them? '' Of course, they refuse to allow inspection. I believe this is because they do not have possession of the originals. 

FAILURE TO ANSWER AND/OR ALLOW REVIEW OF THESE DOCUMENTS IS A CLEAR VIOLATION OF CONSUMER AND LENDING LAW. 

I have a legal right to this information as it directly affects my consumer mortgage loan with the company. 

BOA continues to commit the same fraud they have been prosecuted for in the past by the Federal Government. They previously settled those government claims and entered into agreements to cease such illegal practices. Yet they continue their willful illegal activity. 

Bank of America has a known and proven history of falsifying many mortgage documents for the express purpose of harming consumers like myself. 

Please assist me on demanding a TRUTHFUL ANSWER to the basic question : DO THEY HAVE THE ORIGINAL WET INK SIGNATURES AND DOCUMENTS? 
YES or NO? If yes, where are the documents stored for review?

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 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
There was a Forbearance period ending XX/XX/2024. A payment was sent to XXXX  via bill payment as it is normally done. It was sent during the Forbearance plan.. It was scheduled the same method, Bank, account as it has always been done. XXXX rejected the payment. Per your XXXX  terms and conditions any paymwnt could be made during the Forbearance and the amount due would be reduced. XXXX decided to reject the account and make it XXXX  days due vs XXXX  days due. XXXX has XXXX the messages communication method. I have video proof. 
XXXX refused a Deferral. 
XXXX payments will be sent on XX/XX/XXXX and another one on on XX/XX/XXXX. Another payment on XX/XX/XXXX and another payment XXXX XXXXThis will make the account be caught up. 
XXXX  XXXX XXXX has provided proof it is exactly the same account the money always comes out of and exactly the same account of XXXX goes to. This demonstrates the bad faith, malice, predatory practices that XXXX has because it refused any payment during the Forbearance period. 
This is also XXXX XXXX. This is my primary home.

A full payment history with copies of all checks is requested.

A full note history is requested.

There is also a negative escrow on the account due to an insurance adjustment. A request for an escrow shortage spread is requested.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In early 2024, I discovered an entry on my credit report indicating a debt related to child support services. Surprised by this entry, as I had not been informed of any outstanding issues or debts by the Child Support Services of California, I immediately reached out to them for clarification. 

On XX/XX/2024, I contacted the Child Support Services of California to inquire if they had released any of my personal information to third parties, particularly to credit reporting agencies. The response from the agency, received on XX/XX/2024, was that they had not authorized the release of my personal information to any external entities. This raised serious concerns regarding the source and authorization of the data reported on my credit report. 

Following this, I reviewed my credit report details and noted that the entry regarding the child support debt was reported in XX/XX/2024, without any prior notification to me by th

e Child Support Services or the credit reporting agency. No specific amounts were disclosed in the initial report, and no prior communication had been made by the Child Support Services regarding any debt or the potential for reporting such information to credit bureaus.

I took immediate action by filing a dispute with the credit reporting agency regarding the unauthorized entry on my credit report. As of the date of this complaint, I have not received a satisfactory resolution or explanation from either the Child Support Services of California or the credit reporting agency regarding the origin of this debt report, the authorization behind its reporting, or any steps being taken to rectify the unauthorized disclosure and reporting of my personal information.

This situation has not only caused me unwarranted stress but has also potentially impacted my credit score and financial standing based on information that appears to have been reported without proper authorization or legal basis.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you promptly remove the public record from my credit report and make the necessary adjustments. I have attached the required documentation to support my request, and I thank you for your swift action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, Transunion, and XXXX are reporting information related to an account that should be excluded from my consumer report which is detailed in the FCRA.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX, and Equifax are reporting information related to an account that should be excluded from my consumer report which is detailed in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I have a credit card with first access visaand I've had it for a good minute my concern is I was charged a late fee ofA {$41.00} in the month of XXXX of XXXX and the month of XX/XX/XXXX I made my 2 payments on the day of which is the XXXX of the month I call to request to have those 2 41 late payments wave they put the request in and they only gave me a {$10.00} credit. I make my payments on time every month for years since I've had this card. On the payment website it does not state if you make a payment after XXXX XXXX it's going to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: VA

Complaint narrative:
Allied systems is trying to collect a disputed debt. I do not owe this debt. I left long and foster and I did not stay there and they tried to charge for something I never used a service I never used and I was not even a part of their agency but a month and then they closed the office once I told them I was changing XXXX another company I got this bill but they never reimbursed me for the XXXX dollars I had to pay to get set up for their company which XXXX never got back so they owe me this money I dont owe anything to them because I never stayed and never used the service Allied ignored my dispute and put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXXXXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX Asset Amount : Date XXXX XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation