vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of XXXX I had a procedure done at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I was offered a credit for this with XXXX percent for 5 years via Care Credit. I did the math and it came down to about {$300.00} per month which I could afford, so I agreed to it. I was given a paper to sign and no documents to take with me. I received online registration credentials and was using Care Credit app to pay the amounts that were shown in the app as due. First red flag that I've noticed was that my payments were very high at first, but were gradually decreasing month over month. I was never late on payment and in my mind I was paying off a XXXX interest medical loan. I came to find out on XX/XX/XXXX that my care credit was charged deferred interest on purchases of {$9600.00}, bringing my balance owed up to {$19000.00}. The original loan amount was {$18000.00}. At no point in time I have received any communication that the loan had to be paid in full in 2 years and not XXXX. If it was communicated to me, that would mean that my monthly payments would be around {$770.00} and I wouldn't be able to make these payments, therefore wouldn't agree to the procedure or taking this credit. At no point in time I received any reminders about paying off the credit before XXXX of XXXX. I was following the payment plan of Care Credit and in my mind was on time paying off my 5 year loan. But it appears that this plan is designed for a customer to end up owing about 50 % of what they borrowed in XXXX years, bringing me to this scenario. If this was communicated with me, I would've not agreed to it, as my monthly payments would've been more that I could afford. Contacting Care Credit did not bring any result as after hours on hold, I wasn't able to speak to anyone about it. After doing research, I saw that Care Credit was sued and lost in XXXX doing the same practices it is doing today. Also, I was able to find out that someone in similar situation was able to get help from Consumer Financial Protection Bureau. I am not saying that I will not pay the balance owed, but I am willing to pay the balance that I borrowed over the 5 years that was originally advertised. I need help having this interest reversed or pushed and pushed to the originally advertised 5 year. It looks like a fraudulent tactic to get money from the customers by Care Credit.

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 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Global Trust Management LLC
State: TX

Complaint narrative:
There is no problem with XXXX XXXX itself. My installment loan was paid off back in XXXX of this year. I pulled up my account on their website, I called and spoke with them, and I did a chat with XXXX of the reps just to make sure. The XXXX XXXX XXXX, confirmed that that loan was already paid off and that the account is now inactive.

I am getting repeated phone calls from Global Trust Management. Ive already spoken with one of the reps about a month ago and she said that I would have to contact XXXX XXXX to get it worked out because theyre still trying to collect his debt for them. At this point they are calling me regularly and theyre calling my husbands phone. The strange thing is that when theyre calling my phone shows global trust management but once they hang up, theres no number/no record of them calling on my call registry. The rep who called today actually spoke with me. I was able to answer the phone on time and I explained to her that this was a loan that was already paid off months ago and she claimed that it is still open and that XXXX XXXX sent it over sent it to them to collect ( XXXX XXXX still denies that. ). The Global Trust Management rep said that she could give me until tomorrow. At this point, I know that debt is not valid and I just want this company to stop contacting me and my family. I am a schoolteacher out for the summer, but we return in a few weeks, and I dont want this company to start calling my school and cause problems for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The company is NuwRez LLC. I received a call from one of their representatives stating I was at risk of foreclosure for mortgage payments ( XXXX ) on XXXX at XXXX XXXX I called them back that afternoon at # given to me by my previous lender ( XXXX XXXX ) for contacting them ( XXXX ). They verified my loan was up to date. 

My concern is this company should not make threatening phone calls on a loan that has just been transferred to them. I can prove I have never had a late payment for my mortgage in the 24 years I have had the loan. Please do what you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2006 I bought a new XXXX XXXX pickup. The " seller and I the buyer '', signed an agreement, that stated, that if at anytime there are " any changes '' to the contract, that it " would only be inforceaible only if both parties. signed it. As per our agreement, we assigned the contract, to WFS Financial, the lender, in accordance to the conditions of the contract with the agreement that WFS FINANCIAL would adhere to all the conditions of our contract. WFS Financial, failed to adhere to the conditions of our contract, which by the contract, conditions, made the contract non- inforceaible which made the contract, void. Then WFS Financial, was purchased by Wachovia Bank, without any " contract with me '' then Wells Fargo Bank, aquired Wachovia Bank, and nobody had any legal contract with me. In contracts, when XXXX  of the parties, breaches any of the conditions in the contract, the other party, is no longer liable for any of the contract conditions in the voided contract, the buyer no longer owes anything and the lender '' no longer has any lien rights, in the voided contract. Wells Fargo Bank, after about 15 years of forcibly taking my property the pickup, Wells Fargo Bank only paid me " half '' of the value of the wrongfully taken property. Wells Fargo Bank, had no contract. Wells Fargo Bank, only has paid, half of the amount I paid for the property and Wells Fargo Bank does not even consider paying for all the years I have suffered, because of Wells Fargo Banktaking of property that had, no legal lien on and now they refuse to pay anything because of the taking of property that they had " no right to take '' ....

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 2023-07-19 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: IN

Complaint narrative:
I have attempted to dispute an erroneous and inaccurate account on my consumer report. TransUnion did not take any action, because they claimed i was working with a third party which i am not, but even if i was they are still violating the FCRA. This has severely hurt my creditworthiness and ability to obtain credit. The inaccurate reporting has caused financial hardship and emotional stress. TrasnUnion has violated several federal laws.

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 2023-07-19 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 


XXXX XXXX XXXX details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open account Payment summary No payment history available to display. 
Status Collection account Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance XXXX XXXX Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Placed for collection Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number None provided 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


As a federally protected consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a {$29.00} Return Check Fee on XX/XX/2023 for insufficient funds for a payment on my Costco Visa credit card. I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with Citi Bank for years now. Looking forward to hearing from you soon.

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 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
This company responded tell me that I was named as a co-defendant on the judgment in question, filed in XXXX XXXX XXXX, ND on XX/XX/XXXX. The judgment was renewed on XX/XX/XXXX. they claim I was served personally with the Summons and Complaint related to that judgment on XX/XX/XXXX - was not ever served! They can not provide proof and refuse to do so! The judgment was originally in another company 's name, but it was assigned to Ingenuity RM , LLC and an Assignment Notice was mailed to XXXX XXXX on XX/XX/XXXX, this never happened! I never heard of this until I was garnished. They state In accordance with North Dakota law, a Garnishment Notice was mailed to XXXX XXXX on XX/XX/XXXX followed by a Garnishment Summons ( with copy to her employer ) on XX/XX/XXXX. Our representative spoke with her on XX/XX/XXXX and explained that her name is on the judgment and she is legally responsible for medical debt incurred for herself or her spouse while married. I requested proof of service and proof of debt and never received anything!! They just keep telling me stuff that I know isn't true. I would remember getting served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
The current issue is causing me significant XXXX  and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 explanation
Consumer complaint received 2023-07-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed 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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: DE

Complaint narrative:
I called avant on XXXX XXXX to report to fraudulent transactions on my card totalling XXXX. No reg e credits have been applied to my account. I was told by an agent and a supervisor today that the don't create a case until after the ten business day, that reg e requires then to either respond to the dispute or issue the credit to investigate further. They are violating the law into the way the handle fraudulent dispute.

Company response to consumer: Closed with explanation