vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: VT

Complaint narrative:
Experian is terrible. I need some help dealing with them. 
Ive been informing Experian that a split pin in their system has prevented lenders from obtaining my report. Most recently, Ive, over the past week, spent at least five hours trying to get them to fix the problem. In the most recent of many calls made this week, I demanded, in a confrontation that left me shaken, to speak with a supervisor. XXXX, after some time, spoke with me. She asked me to fax a document to Experian, which I did, and told me the problem would then be fixed, the two names they have listed in my social security number would be merged, in three to five days, but it probably only take two.

I received an email from Experian today telling me the problem was resolved and the problem fixed. I, excitedly, logged into to my account to findnothing has been changed, nothing has been fixed. 
This is absurd. Its not fair that this big company has so much power over my life, treat me unjustly and harm me by making and then refusing to correct a mistake and I have no available recourse. This is a bad system. Experian is a bad company.

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 2022-01-27 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: CA

Complaint narrative:
these companies are breaking the law by not validating the debts

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 2022-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
these companies are breaking the law by not validating the debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CA

Complaint narrative:
No validations or error corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a charge for XXXX for XXXX XXXX XXXX from a my weld Fargo bank my check book was stolen and this is a incorrect report on my 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 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
For long time, its 's been a struggle with this company! I have sent in numerous complaints thru this website regarding them. I am so tired of dealing with them. I want this situation to be fixed! 

Our house is to be auctioned on XXXX, XXXX of 2022. We recently filed a loan modification with them and it got denied. We sent in an appeal and it got denied. The reason for the denial is because of credit and income, which doesn't make any sense because we got approved before. We completed the trial payments and because something happened with the paperwork, it failed to complete. The money is in their possession. 

I called again and the representative said that we have 5 days prior to auction date to fill out another modification ( On recorded line ) which we did. It's now in their possession. 

I want a remedy to this asap. I don't want to keep doing this. I don't know why they are making this difficult. They know that they have a bad reputation and complaints. 

Please get this fixed already!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NJ

Complaint narrative:
When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
Date : XX/XX/XXXX To Whom it May concern I would like to bring following facts to your attention and request amicable solution. 

My company ; XXXX XXXX XXXX XXXX is US based organization doing export business especially with XXXX. 
During first week of XX/XX/XXXX, I approached HSBC to open Business Account and met XXXX XXXX XXXX Vice President XXXX  Relationship Manager XXXX Spectrum Center, XXXX XXXX XXXX . I explained to her the reason to open Account with HSBC which was International Banking and I also emphasized that Transactions will be involving collection of payment against the documents from Overseas. She confirmed that the bank provides this facility and this was the reason I opened my account with HSBC, otherwise I had Business Account with XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX via Email, I was confirmed that new business checking account is open and I was provided all the details truncation fees etc. 
I start operating the account and on XX/XX/XXXX I received wire transfer from my overseas and another wire transfer was received in my account on XX/XX/XXXX. 
I visited XXXX XXXX office around XXXX XXXX and asked her the fee for the transaction to collect funds from Overseas Bank. She sent me the charges schedule via email on XX/XX/XXXX. 
On XX/XX/XXXX, I requested via email to XXXX XXXX about the procedure to submit the documents, I received the automatic reply that she is away and will be back on XXXX of XXXX On XXXX XXXX, I sent another email with the idea that she might have returned but again received automatic answer that she is away. 

I visited the Branch to discuss around XX/XX/XXXX XX/XX/XXXX and met XXXX XXXX XXXX, Manager and asked him about the procedure for submitting the documents. His answer was that we do not do this kind of transaction, which was very disturbing to me as my shipment was ready to leave the next day. 

I tried to approach thru customer service to find the right person and finally I was successful to converse with XXXX XXXX and advise that someone from relationship team will advise you further. ( Copy attached ) On XXXX XXXX, XXXX I received email from XXXX XXXX in which he asked structure and amount of transaction, as well Name of Bank, which I provided. 

On XXXX XXXX. I received reply from XXXX XXXX that we do not have any corresponding relations with this bank. ( Important thing to note that XXXX XXXX did not object on the size of Amount but only on corresponding Bank ). 
On XXXX XXXX, XXXX I requested XXXX to provide XXXX name of banks on HSBC Correspondence list. 
On XXXX XXXX, XXXX, XXXX XXXX provided with two names of the Banks as HSBC Corresponding Banks in XXXX. 
On XXXX XXXX and XXXX I requested confirmation, if my client can use those Banks. 

On XXXX XXXX, XXXX, I was informed via email by XXXX XXXX that we are unable to help you with the transaction based on Volume.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: T.S. Holdings
State: AZ

Complaint narrative:
I contacted I.Q. Data International multiple times to inform that the balance associated to an account they hold and have reported to the credit bureaus has been satisfied. I provided proof on XX/XX/XXXX that the account had been satisfied prior to their inaccurate reporting and asked that the correction be made. I then received notice that the account had been added to my credit profile shortly thereafter. I contacted the company again with even more evidence that the amount had been satisfied with the original creditor, XXXX on XXXX, in XXXX of XXXX. As well the matter was resolved within the courts in the same month. I offered to provide the court documents pertaining to the matter, which were refused by the representative I spoke with who assured me that the correction would be made. I also disputed the informations accuracy with the credit bureaus who responded stating that I.Q. Data international states the information to be accurate, when in fact it is not, which I made them aware of from the initial point of contact to which I had to file a complaint due to violation of my UDAAP rights with a representative of the company in question. I have attached initial service receipt that shows when payment was initially processed, I have attached confirmation from operations manager for XXXX on XXXX that payment was in fact received, I have attached both the attorneys affirmation of judgment satisfaction and the motion to satisfy within the courts dated XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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:
No validations or error corrections

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 2022-01-27 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: FL

Complaint narrative:
XXXX has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.

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 2022-01-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
NelNet has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
XXXX has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 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: Credit Wise Recovery Solution LLC
State: CO

Complaint narrative:
I have a charge for XXXX for save a lot from a my XXXX  XXXX bank my check book was stolen and this is a incorrect report on my credit

Company response to consumer: Untimely response
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.

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 2022-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Sometime after Hurricane Ida on XX/XX/XXXX, XXXX XXXX increased my internet bill without providing notice and without my agreement or consent. XXXX did not send a bill with the increased amount until after services were rendered. I contacted XXXX by phone to ask about the change and why I was not notified of an increase. I also asked them to provide the contract where I agreed to pay a higher amount, which they did not provide. I offered to pay the amount that was originally contracted for ( {$29.00} per month ), which XXXX refused. I cancelled my service with XXXX and switched to another provider in my area because I was concerned about additional price increases without notice. 

On XX/XX/XXXX, I received a letter from Radius Global Solutions LLC claiming {$110.00} owed to XXXX XXXX. I sent a letter in response on XX/XX/XXXX to the email address provided in their letter, XXXX. My letter stated that the debt was not owed because I did not agree to pay a higher amount for internet service and that Radius should cease collection efforts. I invited them to send documentation confirming the debt is legitimate. I have not received a response but was notified today that the amount is reflected on my credit report, indicating that Radius Global Solutions failed to cease collection efforts in accordance with the Fair Debt Collections Practices Act.

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 2022-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I applied for a Mortgage re-finance & a new XXXX  from US bank My original Mortgage was with XXXX XXXX for {$380000.00} US bank also provided me with XXXX  for {$100000.00} K I closed on both loans on XX/XX/2021 The current mortgage is {$390000.00} and a XXXX  for {$100000.00} On XX/XX/XXXX US bank closed my XXXX  and refused to investigate and told me I refinced and closed the XXXX. I went back to them to rectify the issue but US bank put a lean on my house and notify the credit bureau that I have debt of XXXX I am not sure if opening and closing accounts without the knowledge of consumers are something allowed banks to do I can provide all the information but as it stands today I feel it is a financial fraud committed by USbak. 

How can I get the help and report this issue Thanks

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 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.

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