vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-03-18 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 — Investigation took more than 30 days
Company: Kikoff Inc.
State: MN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
With chime on line banking account I called to update my email, they spelled it wrong, could not get back into my account, they sent me a check but it was spelled wrong to, they asked me to send them a selfie holding my ID where they could read it, did that saide they still could not read it, bought a special lens to enlarge it sent them numerous pictures of me holding my ID no they could read it now they're ignoring me and they have XXXX of my money that I have been trying to get back for months now and all I get is no response from them now they say that they received my messages but they never get back to me or reply to him my name is XXXX XXXX XXXX I no longer have the banking account with them so I can not call and talk to nobody in customer service I've been having to send through times support time emails I have a new bank that I have been with for years and years and I'm back with now and I've sent them my bank account number and I won't even reply what do I need to do to get my money in that bad because of this can not even afford to go to the doctors please help if you need to get in touch with me my phone number is XXXX and again my name is XXXX XXXX and no longer with time banking have not been for months now and I have a bank account with XXXX XXXX it was a check issued by XXXX  until my account when I had it with them and they kept it I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I tried to buy a puppy online and they wanted XXXX. 
XX/XX/XXXX I paid the second part and realized this was all a fraud. 
I called my bank immediately wells fargo and filed a claim. 
They denied the claim and did not protect my money.

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
In and around XX/XX/2022 I was contacted by Village Capital & Investment LLC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : alleged loan # XXXX, assignment, sale or transfer. 
I sent this company a detailed 'CEASE AND DESIST ' letter explaining and evidencing my home was paid in full with a zero balance.

I explained to this company they are not a 1. Note Holder 2. they do not have a power of attorney bearing my bona fide signature 3. they do not have a contract bearing my bona fide signature 4. There is non existent a loan or mortgage and I never borrowed any money from anyone or company associated with them. 5. Village Capital & Investment LLC does not have a legally recorded interest in my property.

All communication from Village Capital & Investment LLC is Mortgage fraud, mail fraud, and extortion attempts.

To verify what appears to be a mortgage fraud and extortion scheme by this company I have enclosed a document entiled 'LOAN AFFIDAVIT ' to be signed and notarized by any officer of this company which will authenticate and evidence an existing loan, mortgage, being a Note Holder and legal contractual authority to contact me.

If the Loan Affidavit is not signed and notarized it will be evidence of criminal activity by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
Several years ago we were with XXXX car insurance. We NOTIFIED them that we were going to no longer use them for our car insurance. But someone on their end evidently did not put that notice in their system. So they tried billing us for a debt we did not owe! And we had given them over a month 's warning! Now they have put a debt collection agency on us for a debt we do not owe claiming we owe them {$230.00}! ( in fact they advertise about {$19.00} a month I think ). They are saying that this debt was owed as of XXXX. This is not true at all as we've been with another car insurance company for more than a year on a vehicle we rarely drive. In fact all this happened about the time of the pandemic. Now we are getting harassing letters from Kinum , IncXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Vi. XXXX phone XXXX threatening us ( and yes we are XXXX XXXX living off of Social Security! ). I had written them before this and yet they sent us a second bill. Even a stamp is expensive and now I'm having to use two stamps for a bill that we do not owe! I had written them before XX/XX/2022. They say that if we do not dispute the debt by XX/XX/XXXX then they assume the debt is correct. I can not provide the date we notified root, but it was about a month or two well before the annual bill was due. I received a threatening letter today even though I had notified them IN WRITING that we did not owe this outrageous debt! I am mailing back a SECOND notice to Kinum that we do not owe the debt! XXXX insurance AND this Kinum that we do not owe money to are trying to collect a debt that is not owed! This is XX/XX/2022 and I am now notifying them again that we do not owe this debt to them or to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX XXXX owner of XXXX XXXX XXXX used Acsi debt collection company to fraudulently obtain my social security number and personal information to incorrectly report an {$8000.00} debit as real-estate related which is completely false!

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 2022-03-18 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, XXXX and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone has been using my information to sign up for credit cards. All of the hard inquiries on my account were made by someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased concert tickets through XXXX using a credit card created by Affirm to use. I would subsequently be billed for the purchase by Affirm in monthly installments. I paid the amount in full XXXX. The concert was rescheduled for a year out. I checked with ticketmaser and you could not receive a refund. Again in 2022, the concert was rescheduled for a year out. I checked with ticketmaster and they were issuing refunds. I applied for a refund through them ( per Affirms instructions to contact the merchant for a refund ). XXXX refunded the money to affirm. On XX/XX/2022 Affirm refunded one of my payments for XXXX to my checking account that was linked for making the payments to them. They list a check for XXXX being sent to me on XX/XX/2022. I have yet to receive the check. It has now been one month. I have called them three times and been told they will escalate my case. I have never received any response from them on the messages I have sent into their portal or my phone calls I have made. I am never told if they will really send me my check. I am just told my case will be escalated. I just want my refund. Their phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts 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 non-monetary relief
Consumer complaint received 2022-03-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts 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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
We live in Viginia try to apply for our COVID 19 missing payments, to modify the mortgage since XXXX. but the company asking as the same documents again and again, then finally they withdraw the application. we are afraid our home is at risk. the first amount was {$34000.00} but now it gets about {$40000.00} we tried to send the monthly payments {$1800.00} about four times but they keep returning the payment.

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 2022-03-18 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I attempted to apply for a CITI Aadvantage card on XX/XX/22. I received an immediate decline with the explanation of " Credit privileges on CITI Bank account are restricted ''. I have tried every phone number I can find online and spoken with several representatives who can not tell me what the statement above means or any resolution for it. The credit bureau that they said was used was XXXX, however, when I look up my XXXX credit report, it gives me a score of XXXX. 

I currently have a CITI Costco card, so it doesn't seem to make any sense as to why my " Credit privileges on CITI Bank account are restricted ''. Representatives at CITI Bank continue to transfer me to other individuals who tell me I've been sent to the wrong department.

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 2022-03-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
RE ; # XXXX PHH Mortgage Services billed my XXXX sister ( now deceased from XXXX ) for insurance that was already paid for through her XXXX fees. This insurance has been paid by the XXXX  ever since she purchased the property in the XXXX 's. The overcharges were as follows : XXXX {$1100.00}. 
XXXX {$1100.00}. 
XXXX {$1100.00}. 

After filing with CFPB the PHH Mortgage Services admitted their error but only credited the reverse mortgage with {$1100.00}. from XXXX. They have yet to refund the two fraudulently withdrawn funds of {$1100.00}. each from XXXX and XXXX. These funds should be paid by check to her Estate which they have on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CO

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do 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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in the process of purchasing a home and I have memberships with equifax.com, XXXX, XXXX XXXX XXXX Prior to XX/XX/XXXX every day/month I am able to access my reports with no issue. I noticed when I tried to pull my XXXX XXXX report from XXXX for XXXX, the equifax file had and error and I was only able to pull the other two. I kept trying for a few days thinking that it couldve been a glitch on the site so then I decided to try and pull a XXXX report from one of my other memberships and paid extra- they too failed. I went to equifax and tried to pull my free report and it hadnt updated on there a score since XXXX, however for the report it said I had a NH XXXX credit file and all of my accounts showed XXXX as if it didnt exist. 

I called equifax which to speak to someone is a total nightmare you spend 30 minutes entering your information and unable to speak to someone in the XXXX. I spoke a total of XXXX different calls in a weeks time speaking to no one who could help me. The first XXXX calls they said everything looked fine on their end and that they would escalate. Even after escalation no one called or followed up. 

My lender was unsuccessful at pulling me report and I have since lost out on XXXX different offers to purchase a home due to equifax issues. My lender then said when they enter for equifax it says fraud alert but equifax said there was no fraud alert. I havent filed any fraud alerts on my accounts and by the XXXX call I spoke to the fraud department who said they thought they knew what it was and transferred me to someone else. They told me to fax in my ID - I did this twice. One person said there was a block on my date of birth but all of my information has been consistent. Every time I call they tell me theres nothing wrong and I should be able to access and I have to tell them to read the case notes and then they say I have to send in my ID again. Had I not stopped myself I wouldve lost out on a {$30000.00} XXXX  money deposit on the last deal because with equifax not correcting whatever is wrong I am now without the house that I was bidding for. To this day which is now 2 weeks into this nightmare they still have not resolved my issue and my lender can not access my report. Spending hours on the phone and getting nowhere and because they couldnt help there were XXXX specific calls that when I asked to speak to a representative in the United States, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2016, I called the customer service department of Wells Fargo Bank to schedule a mortgage payment for the month XXXX on my FHA loan. The representative noted my payment request and at the end of the conversation, I was given a payment confirmation number. Shortly after, I noticed that my payment was not debited from my bank account and I alerted Wells Fargo that a payment was made and the agent confirmed it but there was no record that the payment was ever made. Today, a late payment is showing on my XXXX report as 30 days late from XX/XX/2016, affecting my interest rates on any future purchases. I have tried on multiple occasions to have Wells Fargo correct this to no avail, despite phone calls and written attempts for help. Wells Fargo would make attempts to review my account while I was a loan customer but since I sold my home and no longer am a Wells Fargo client, this attempts have seem to diminish.

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 2022-03-18 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: IL

Complaint narrative:
XXXX, XXXX and Transunion all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.

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 2022-03-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.

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