vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2022-06-23 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: AES/PHEAA
State: TX

Complaint narrative:
I have applied for the XXXX waiver ( XXXX ). I am being told I am 8 months away from forgiveness or until XX/XX/XXXX. 
I calculate I should have already qualified. 

My question is, Why are some of my payments being labeled as eligible for XXXX and some are not? According to their counter I am short XXXX  months of qualifying for forgiveness. Yet, I have XXXX months they are not counting. They are not counting 3 months for XXXX, XXXX of XXXX, and 8 months of XXXX a total of XXXX months. If and when they count these I will not only qualify but be over the required number of months. 

I have emailed, called, and resubmitted forms. Yesterday I was hung up on, called again and was told yet again they don't know why they are not being counted. That it is best to keep on waiting. I don't want to have to start making payments in XXXX only to have them returned if it is not necessary. 
I am asking for an answer and am reaching out for any help you can give me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
XXXX, Experian + XXXX Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I purchased a car on XX/XX/2021 in the amount financed for XXXX I also incurred finance charge of XXXX my under standing this is a violation of the Truth In Lending.

Failure to disclose all information about the finance charge. According to 15 USC 1605 the finance charge should be the sum of ALL charges with any consumer transaction. It should not include fees or certain amounts imposed by third party ( dealership ). Interest should already be included in the finance charge.

16CFR 443.1 XXXX XXXX is due to the consumer when they incur a finance charge It is against the law to commit fraud.

According to the TRUST LAW they have already received their funds from me when they obtained my funds by using my credit card ( SSN ). The legal definition of a credit card means any card, plate, coupon book, or other credit device existing for the purpose to obtain money, property, labor, or services on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-23 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-23 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo will not comply with my requests to obtain my lawsuit award monies from unauthorized fake accounts and unauthorized bank charges. Unwanted calls and infrigment of my life. 

Wells Fargo has All Documents regarding my account opened in XXXXXXXX XXXX 
I resided in XXXX XXXX  XXXX and XXXXXXXX XXXX. Wells Fargo has all documentaion, which I provided to settle this lawsuit. 

XXXX XXXX provided my State of XXXX XXXX XXXX. Wells Fargo has my new XXXX of purchase with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. SS XXXX XXXX XXXX There is no further need to verify my identity. This is a continual complaint. This is harassment and is unwanted. 

I have been provided phone numbers that no one answers at Wells Fargo and harassed continually by Wells Fargo, which is abuse. 
I have provided every document to Wells Fargo per request. The State of XXXX  and the United States Federal Goverment also has the same documents which has been provided Wells Fargo. 

Also, ( XXXX ) is an inoperable phone number to contact XXXX XXXX Executive Office Case Specialialist provided by Wells Fargo. I called several times before XXXX am Central time. All calls failed to this number, Documented time in XXXXXXXX XXXX is XXXX. 
XX/XX/2022. In the past when I requested financial assistance I was provided numbers where this was noted. No bank associate responses back.

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 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage Servicing, on behalf of XXXX, is committing fraud. 

On XX/XX/XXXX we received two letters in the mail. One letter was dated XX/XX/XXXX ( see attached ) and told us that if we made a payment by XX/XX/XXXX we would be granted a deferment ( we are trying to exit forbearance ). 

The second letter informed us our right to a deferment was denied because we failed to make payment by the required date ( presumably XX/XX/XXXX ) Neither letter came with a time machine. 

I therefore believe Shellpoint, on behalf of XXXX, is committing fraud. They are writing letters dated for a time in the past, and sending out at the same time a letter denying our exit to COVID forbearance, presumably to try to force us into foreclosure or otherwise take a less desirable path to exit forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-23 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have tried to call and visit Bank of America to get my new checking account setup to pay my credit card bill multiple times and have not gotten clear answers on how to pay my bill and been stuck on hold for extended periods of time trying to reach various agents as many were unable to resolve this issue. I could not set up my account on the website or app because it stated my account was ineligible for bill pay. When BOA agents finally were able to help get my payments working I was then hit with a late fee and told that it can not be removed even though the reason for the late fee being assessed was because I was unable to add any payment method due to error on the bank 's side.

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 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
{$11000.00} total in Cashiers Checks Cashed and Stamped as received, yet Citi Bank has no record if it?! 

XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, XXXX, I paid off four credit cards with cashiers checks. Two of them were received and paid to XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) the other two were sent to Citi Bank ( Citi XXXX XXXX Citi XXXX XXXX. ) The two XXXX cards processed the checks with no problem. Citi bank however has cashed both checks as of XX/XX/XXXX but has no record of receiving them on their end and therefore have not posted them to my credit card balances. XXXX XXXX XXXX XXXX has the photographs of both cashiers checks dated XX/XX/2022 and stamped as received by Citi Bank on XX/XX/2022. I have called and called Citi Bank. I am immediately sent to an outsourced company where I struggle to communicate with each representative. As of yesterday, XX/XX/2022, a payment investigation was started on Citi banks end. We ( XXXX XXXX XXXX XXXX Representative and myself ) faxed photos of the cashiers checks to the Citi bank payment investigation dept. We were told the late fees on my account could be removed if the issue is resolved and that I should pay my minimum payments to keep my account current. The investigation could take up to 21 days!! One cashiers check was for {$6800.00} and the other for {$4600.00}, and as this was a balance transfer loan from XXXX XXXX XXXX XXXX, I am paying them for the loan. I should not also be paying for the missing checks that Citi Bank has stamped as received and paid but apparently has no record of! {$11000.00} is a lot of money to be missing yet clearly cashed and received but lost! Please help!!

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 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Please remit my 1099-C so I can properly do my tax return. Once received please send the completed 1099-C to XXXX XXXX and the treasury. Also send documentation that you sent the 1099-C over to the treasury. Also, send back all legal tender because that is not a lawful form of payment. The securities you accumulated from the asset backed note should take care of that. The obligation of debt goes to THE UNITED STATES OF AMERICA. XXXX XXXX signature on the document also proves that the debt is already paid for. This was not expressed to the entity upon signing. If you dont understand please read the emergency banking act of XXXX and Indenture Trustee act of XXXX. Do not take any adverse action or lawful action will be taken. Respond as soon as you get this preferably within 7-10 business days. Thank you.

Company response to consumer: Closed with explanation