vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: UT

Complaint narrative:
XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXX 's payment late. When the draft for XXXX 's payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX  However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: PA

Complaint narrative:
The following account does not belong to me. I have reached out to Transunion, XXXX, and XXXX  several time via mail in reference to this matter. 

XXXX XXXX XXXX acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX amount- {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: UT

Complaint narrative:
XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: UT

Complaint narrative:
XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX  payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was supposed to receive a deposit of {$2700.00} on XX/XX/XXXX I realized I put in the incorrect direct deposit information. When I called my bank they assured me that if the name on the account didnt match then my funds would be reversed to the sender. I patiently waited when I called the sender I then found out that the funds were never reversed. I called my bank they began to give me the run around and theres no way that they can transfer or even reverse the funds so that it could be deposited into the correct account. I am underemployed my job wont give me more hours so I need my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
Ncb mtg services keeps calling me at work. Their number is XXXX. I can't take these calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Comenity Bank Victorias Secret Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to Comenity Bank VS Credit Card, XXXX Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing Comenity Bank was NEVER listed. 

Comenity Bank credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

Comenity Bank along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included Comenity Bank Victorias Secret Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I recently applied for a mortgage and attempted at getting a pre-approval. When the lender sent me back some items that I would need correct I noticed a debt for NCA for {$420.00}. I contacted NCA today ( XX/XX/XXXX ) verified myself on the phone with a female representative who asked if I ever lived at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I stated to her I have not lived in the state of XXXX  since XXXX. My last known address in XXXX  was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is my parents old address. When I moveXXXX XXXX XXXX in XXXX my address was XXXX XXXX XXXX XXXX XXXX XXXX  till XXXX when I moved to XXXX, XXXX. The representative stated that this account was a credit card opened on XXXX using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a apartment lease proving I was not living in XXXX  at no point in XXXX. My credit has never been great so I can definitely recall how many credit cards I have a had in my lifetime. The representative stated that there was a dispute on this account that said this debt DID in fact belong to someone else. When I asked how I could get this taken care of so it could stop affecting my credit in a negative way she said to contact FTC.gov and start a dispute and email them @ XXXX for it to be reviewed and possibly removed. She stated this was not a guarantee for them to remove this debt and if it could not be proved that this debt is mine then I would have to pay it. I have no recognition of this account for a XXXX XXXX Credit card with a balance of {$420.00}. I was not and have not loved in XXXX  since XXXX and In XXXX when this credit card was opened I was living in XXXX XXXX. She also stated that she could not see the opening credit limit but there were No payments made at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong 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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
Western union investigated me and made the decision to not allow me to send money to my cousin for my son while hes on vacation with FAMILY! I have used them once before but now they are providing no service so again I ask why do establishments like western union exist if they can provide no service? Please help Understanding there is a lot of fraud, however, with inadequately trained staff its like rolling the dice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo again did not address my questions when responding to complaint XXXX, and again provided the same pre-prepared explanation and self-referential evidence. Their is no difference in their response. They are not taking my concerns seriously. They have not clarified their actions and have not refunded what they stole from my account. I am dissatisfied with Wells Fargo and their representative, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I borrowed a loan from One Main Financial ( I believe it is a national agency ) in good faith. The problem started with my monthly statements, and that on the form I never saw the interest being accumulated. Also, the amount that I paid this company is not reflected on my statement either, but a different amount that is clearly inaccurate. By doing this, this has caused me much worry and anxiety from the onset. This should all be very clear to ALL CONSUMERS.I complained to the company about this before and was treated very rudely ; in addition the person used hard to understand financial terminology. As of Today ( XX/XX/2021 XXXX, I again spoke to a loan representative from One Main about my issue/complaint. I told her I did not understand what she was talking about. She mentioned something about a " rule of 78, '' and that I should look it up, When I did look this term up, I discovered it is a scam used by some agencies, and that it was outlawed.

When I told the loan person ( Ms. XXXX ) this and that what the company was doing was illegal and unethical, and she should have been explained to me when I applied and borrowed the loan, she then hung up on me. Before hanging up, she threatened that I will be reported and that I will likely " never get a loan again and my credit will be destroyed. '' By hanging up on me, this just corroborates my stance that I was duped and cheated. I thought this was a reputable company, but I've discovered it is not. I am a Senior on a fixed income, and don't deserve this -- NO ONE DOES. I am hoping that the Consumer Financial Protection Bureau will help me, and work to resolve my issue/complaint. In good faith, I will pay back my loan, but I will not pay this unfair and loan sharking interest this company is trying to pull. This is clearly XXXX, and when the person hung up on me and using evasive terms and actions they are using, well this is why I am writing this complaint in the hope that they stop what they are doing. I know I am helping other consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
We had a hail storm and need to get iur roof fixed. To do so we the The Money Source to endorse a claims check. The Money Source is being extremely difficult and is trying to hijack and manipulate the process causing significant delays. We just want to get our roof fixed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed this once and received a response from XXXX XXXX stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX  and Equifax, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. XXXX and Equifax have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
The company was supposed to pay a redress in the form of a refund. Insteas of mailingnme mt XXXX dollars, they put it towards a " balance '' I owed to them from an overdraft service in which the settlement was about. So they basically used the money to pay themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX XXXX and, TransUnion with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond 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 2021-06-16 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX Equifax and, XXXX with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Cryptocurrency and any online transaction takes only a maximum of 15 seconds, transfers shouldn't take 3-14 business days for any account means to me as an XXXX XXXX XXXX Lifetime Holder snd XXXX XXXX that BB & T and XXXX XXXX XXXX and all I've experienced since trading stock investments using XXXX XXXX XXXX and even XXXX they are stopping money transfers to online banking, please investigate them snd tell the magistrates and judges that they aren't XXXX XXXX in my oponion as a professional, they are sane and purpospely stealing money, and why the lock, freeze, and close then reopen accounts. Please alert authorities to have them all involved arrested?!!!!! 

Thanks, and best regards to the faithful and true, From : XXXX XXXX FCC # XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation