vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reaching out because I have an inaccurate item on my credit and it does not belong to me and I would like it to removed because it does not belong to me In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: RI

Complaint narrative:
Backstory My loans were originally held with XXXX and I paid down the majority of those loans during the emergency forbearance period. My account was transferred to Aidvantage in XX/XX/XXXX. The new loan balance with them was {$12000.00}. I paid that off in XX/XX/XXXX. 

XX/XX/XXXX -- Called Aidvantage to request a {$20000.00} refund on my paid in full loans -- Told that the additional {$7500.00} would require a payment history request from XXXX XX/XX/XXXX -- Called in for an update and was quoted 6-8 weeks of processing times -- This appears to be date that my request was officially submitted XX/XX/XXXX -- My loan balance was updated to {$12000.00} on Aidvantage 's website. 
-- I was told that the request for {$7500.00} was re-submitted on XX/XX/XXXX -- I am now being told that my request for the {$7500.00} will take an additional 12-14 weeks Since then, I have been trying to get information on what has been happening. I am constantly getting hung up on by account representatives. When asking for an escalation to a manager the hold times are 1hr+ and results in hang ups before speaking to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
Letter sent to Trans Union on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from TransUnion stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.

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 2022-11-08 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: LendingPoint Holdings LLC
State: AL

Complaint narrative:
Lending Pt. Sent account to XXXX prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX and experian still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
TRANSWORLD SYSTEMS INC IS REPORTING AN UNVERIFIED FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM A XXXX UTILITY COMPANY THAT WAS OPENED IN XXXX. I HAVE BEEN A RESIDENT OF THE STATE OF XXXX SINCE XXXX. I DO NOT OWN ANY PROPERTY IN XXXX AND I HAVE NOT OPENED ANY UTILITY ACCOUNTS IN XXXX. IF THIS ACCOUNT IS NOT DELETED FROM ANY CONSUMER REPORTING AGENCIES IT WAS REPORTED TO WITHIN XXXX DAYS AS REQUIRED BY THE FCRA, I WILL BE FILING FOR DAMAGES PURSUANT TO 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX, I called freedom mortgage because I noticed on my credit report they reported me 30 days late for months of XXXX and XXXX. I had paid my previous amount on time, but the escrow account had increased which made me around XXXX short. I was never notified of this increase or that I was 30 days late. I have never missed a payment or been late. 

When I talked to customer care she notified me a notice for the increase was mailed to the home the loan is for. ( XXXX XXXX ). I had her update the address to my mailing address were I reside. ( XXXX XXXX ) This same issue happened in XXXX when they mailed a check for an over balance to my escrow account. I have a message saved on their server saying they updated the address, however the lady told me it was not. She then updated it. 

I sent all this information and documentation into Freedom mortgage and they said they were accurate to report the 30 day late. Which I agree, a portion was late, but not due to any fault of mine. 

I called again XXXX, and talked to a lady that said I should have seen this on my statements. I asked her were they are and she said I should get an email monthly that reminds me to login and check it. I notified her that in the 7 years with them I have never received this email. She disagreed with me and said I did. I asked her to send a test email so I can verify i'm getting emails from them and she refused. 

I called back and talked to another lady, who helped a bit more, she sent me a password reset email, and that did come through. I asked her what the difference was between were the emails come from and she didn't know, and had no idea who to forward me to. 

They have something wrong in their system with my email, and are not willing to help fix it. I had disenrolled from their paperless service to avoid this again. The fact still remains that the notice they mailed the old fashion way, was sent to the wrong address and it was the same issue I had to get fixed the year before. They just didn't care because last year it was a check to 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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear XXXX, On XX/XX/2022, I sent via Certified Mail Return Receipt Requested a letter to Transunion listing all the errors on my credit report that they have been reporting for years. On or about XX/XX/2022, I mailed, via regular mail, a copy of the above-mentioned letter again given that I did not receive a response from them. to no avail. 

For your ready reference, I am attaching a copy of the letter I sent to Transunion to no avail. Transunion illegally keeps on reporting erroneous information 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
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed by XXXX parties that claimed to be a loan company, they were going to deposit funds into my account to verify. They sent a check through XXXX  and told me to send it back to them. Well the check was sent back by their bank with insufficent funds. I paid them XXXX out of my checking account which over drew me the XXXX plus an XXXX charge from my bank. Date of occurance XX/XX/2022 from XXXX XXXX XXXX his check was on Chase Bank. I have a picture of his check from my bank. 
Please tell me how to get this money back. Matter a afct he wrote another one for XXXX and sent it to my bank. All my bank could do was close that account and open me a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX  XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX # XXXX, XXXX  XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a complaint with Transunion on XX/XX/2022, they never addressed the bankruptcy which I provided paperwork from XXXX. The addressed the other issues but not removing the bankruptcy which I have legal documents from XXXX and the Bankruptcy Court as well. I'm still unsatisfied with the results with the issues that they addressed in on XX/XX/2022. Transunion is overlooked this matter and they lied a couple months of ago about receiving the certified mail. I'm addressing the bankruptcy issue again.

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 2022-11-08 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/1922 I received correspondence from PayPal about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. PayPal informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX PayPal is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if one was suppose to have been opened on XX/XX/XXXX when I called them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: Capio Partners, LLC
State: NJ

Complaint narrative:
I dont know about unrecognised charges in please. I need to take that out of my account as I dont know nothing about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. 

U.S. Bankruptcy Court reference number XXXX U.S Bankruptcy Court reference number : XXXX U.S. Bankruptcy Court XXXX number 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 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) y ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Ive had a case open and I tried to have my case closed in order to get a new checking account for over 2 years now. I reached out to the back and they told me that my account been closed for almost 3 years now and that I just contact CFPB in order to file a dispute in order to get my name removed in order to open a new account with any bank but due that I have a block on my credit file I am unable to due so.

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 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
I found 3 Montgomery Ward accounts opened in my name all 3 with different account numbers for Montgomery Ward and opened on the same day XX/XX/XXXX with a balance of {$280.00}. I contacted Montgomery Ward and they informed me they do not have these 3 accounts on file under my name. I also contacted XXXX, they informed me to file with the FTC for fraud. I contacted Montgomery ward and I also contacted all three credit bureaus early last week of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PR

Complaint narrative:
I requested a refund three weeks ago and everytime I call to check the status they say that is still processing. I want my account to be open and the money refunded as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.

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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX # XXXX took my loan from BSI Financial with no notification and transferred it to a FAKE XXXX XXXX opened by XXXX XXXX XXXX. XXXX XXXX XXXX is not an authorized mortgage provider, not a bank, and does not meet federal mortgage regulations. XXXX XXXX no longer has been employed by XXXX XXXX ( where my loan was first held ) since 2021. XXXX XXXX illegally made this transfer breaking all the laws as he is also not under the NMLS for BSI or XXXX XXXX in fact his is related to XXXX XXXX. XXXX XXXX made this transaction with XXXX XXXX XXXX to steal the real estate and avoid a lien process. XXXX XXXX has cooperated and aided XXXX XXXX XXXX in this illegally identity theft, mortgage theft, falsely of a mortgage company, banking fraud, and retaliation due to divorce proceedings. This needs to be rectified back with XXXX and XXXX XXXX needs to provide all documentation in regards to the submission and communication to XXXX XXXX XXXX as he has refused. Noted also XXXX XXXX XXXX paperwork does not match her filings with the state of Oregon. She is filed under XXXX XXXX XXXX, her fictional paperwork states XXXX XXXX XXXX XXXX, then at the top it just states XXXX XXXX  none of this meets the regulations or mortgage guidelines. It is a false copy to mimic XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Velocity Portfolio Group
State: AL

Complaint narrative:
XXXX XXXX. Sent account to CKS prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX XXXX XXXX  still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately

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 2022-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.

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