vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: OK

Complaint narrative:
I not only dispute the debt validity because the debt originated from internet service I was not able to receive because of a defective device but two different statements clearly show a final balance of {$200.00} - NOT {$520.00}. 

XXXX turned over my account to Amsher collections & I responded immediately to dispute the legitimacy of the debt & uploaded my dispute to Amshers website. But Amsher Collections submitted my account to the 3 credit reporting agency anyway, for more than twice the amount.

I had an " Excellent '' credit score on my credit reports until this debt arising from a dispute over the validity of this debt. It stands to reason that it would be a conflict of Amshers interest to give me a favorable ruling because they get revenue from collecting XXXX unpaid accounts. Amsher then extorts people like me to either pay up or they will hurt my credit.

Please help me to get my Excellent credit rating back because the way this matter is currently being handled is tantamount to extortion i.e. whether I actually owe a debt or not is not relevant and if I dont pay them, they will tarnish & keep tarnishing my excellent credit score by making it appear the debt collections is for a valid & ligitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: MI

Complaint narrative:
I HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, XXXX AND TRANSUNION WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested a wire transfer from my account at XXXX to a recipient at Bank of America. The recipient is an investment fund to which I've wired money numerous times previously. 

I requested the wire transfer on XX/XX/2021 from XXXX. On XX/XX/XXXX, Bank of America made some sort of XXXX related request from XXXX. XXXX complied on XX/XX/XXXX. On XX/XX/XXXX, I received an email from the recipient saying that they hadn't received the money. So, in the two weeks between requesting the wire ( which cost me {$25.00} ) no one from either institution contacted me to tell me that normally-almost-instant wire transfer was delayed. 

On XX/XX/XXXX, I confirmed with XXXX that the money had been transferred to Bank of America two weeks earlier. On the same day, I called Bank of America to follow-up on where my money was. Never mind that there's no easy to contact anyone to follow up ( after all, I don't have a bank of america account and their customer service lines require that you enter a bank account number, which obviously, I didn't have ). Eventually, I called someone through their investor relations line, who routed me to someone who could assist. That person said that the money had been released. 

I believe that Bank of America only released the funds once I contacted them to complain and not before. Holding funds for a wire transfer for two weeks is unacceptable. And it is unacceptable when there is zero communication about what happened. 

Given the claims of this being an XXXX issue and Bank of America 's prior discriminatory treatment of XXXX  ( including closing down bank accounts ), I believe that I was targeted on the basis of religion and ethnic background ( having an XXXX  name ). Bank of America, of course, will claim that they do not discriminate based on religion or ethnicity. Of course, when XXXX names are used for the XXXX screening, then those names serve as a proxy for religious and ethnic discrimination that has a direct and disparate impact on 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 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX 2021, I received an auto text alert on my phone that asked me to authorize a XXXX transfer to a persons account that I did not recognize/initiate myself. I responded NO to the text, and immediately received a call on my phone that read as " WELLS FARGO '' on the caller ID ( whom I utilize as my bank ). I answered and spoke with someone who identified themselves as being from the Fraud Department & inquired about the transaction which I perceived as the routine procedure to prevent fraudulent events. I later found out that this person I was speaking to was the scammer themselves & only impersonating someone from my actual Wells Fargo Bank to get my account information/2-step verification details in order to complete the transaction. In doing so, they authorized the transfer and I lost {$4000.00} dollars from my savings account. It has now been over a month of explaining this situation to Wells Fargo yet they continue to refuse to refund my money despite being tricked into doing so at no fault of my own. I did not authorize the payment & have documentation to prove this ( see attached files ). Only when I was deceived into believing I was speaking with representatives from my own bank did I divulge personal account information. This does not constitute personal authorization as they claim on my part, due to the fact that I was fraudulently induced to believe I was working with a trusted source from my own bank. Yet they continue to deny my claim. The scammers fraudulently impersonated both my bank ( Wells Fargo ) & myself by commandeering my account to authorize a transaction I did not consent to. I am asking Wells Fargo to refund the {$4000.00} unlawfully taken from me per my right as a Well Fargo Bank customer & XXXX XXXX protected by Regulation E of the Federal Electronic Funds Transfer 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 monetary relief
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. 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 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
21st morgage company several times we call our home was never finished for starters there was and still is mold here and there but our roof leaked for 6 months nobody would help anyways ive called to make my payment yes i was late its been very very hard with XXXX  and my bad accident which has left me with a XXXX and neck and back major issues including surgerys now soon XXXX but i call to make payment they fight cuss argue to the point i have to call 5 times in a row and finally they will take payment i also have told them were are having a hard time and asked for relief due to covid really affecting us but no they say we are not backed federally we wont help everytime they have sent 2 notices of intent to forclose when we were only a month behind they bully us constantly and call me names cuss at me refuse our payment among many other issues im going to lose this house if i cant get help or relief then where are me and my children going to live covid has really hurt us in so many ways and 21st morgage are the worst ive ever seen nobody can believe how they talk to us many have heard while im on speaker deny payment and or harrass me until im ready to give up on it all then send harrassing letters 15 days in on being late saying intent to forclose please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXate of inquiry XX/XX/XXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
I am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of identity theft.

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 2022-01-05 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: Trojan Professional Services, Inc.
State: NJ

Complaint narrative:
Trojan Proffessional Date : XX/XX/2022 RE : Alleged debt of {$41.00} To Whom It May Concern : I have not received your attempt to validate the debt regarding the alleged {$41.00} debt reporting on my consumer report. I must inform you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the FDCPA and as required, that this alleged debt is accurate and mine. 

You DID NOT SEND : Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 Proof of my identity Proof that Trojan Professional owns this debt or the Contract giving you power to collect Proof that this debt has not been written off as a tax liability In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did. 
As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. 
For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. All future communications with me must be done in writing for tracking purposes and sent to the address you have on file. 
Thank you and I look forward to your resolving this mistake most expeditiously. 

Consumer, XXXX cc : FTC ; U.S. Attorney General ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; Consumer Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/XXXX, I made a wire transfer through XX/XX/XXXX Employees Credit Union to US Bank in Minnesota. The exact address is XXXX Country HWY XXXX XXXX XXXX MN XXXX. I found out that the wire recipient was fraudulent as they copied my Title Companies letterhead and inputted their information. I called US Bank and reported it about XXXX hours after the transaction once I found out. I talked to XXXX of US Bank on XX/XX/XXXX about two hours after the transaction and advised him of the fraudulent transaction. He advised me to send an email to XXXX. I immediately sent the information I discussed with XXXX as well as a copy of my report to Federal Trade Commission. The next day I talked to XXXX from US Bank about the information I sent as well as my conversation with XXXX of US BANK. While we were talking I gave XXXX the account number of the transaction and he advised me he could see the transaction. I asked XXXX to Flag the Transaction as I asked XXXX the day previously. During all this I was also immediately in XXXX with XX/XX/XXXX Employee Credit Union. They were my first call to call back the transaction with US Bank.XX/XX/XXXX Employee Credit Union contacted me the next day that they were in contact with US BANK in reference to the request for recovery of funds. That request was on XX/XX/XXXX. US BANK did nothing in reference to the request until XX/XX/XXXX when they responded the funds were not recoverable. They never flagged the funds, and by XX/XX/XXXX the funds were gone. To my Knowledge from XX/XX/XXXX Employee Credit Union the account being used fraudulently is still active. The email that the scammer is XXXX. The fraudulent information is below that was copied onto my Title Companies letter head and spoofed on their site. 

Bank Name : US BANK Bank Address : XXXX XXXX HWY XXXX XXXX XXXX, MN XXXX Account Name : XXXX XXXX XXXX Routing Number # : XXXX Account Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX MN 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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, Equifax says they have not placed a fraud alert on my file and I have no idea if XXXX has or not. 

Equifax says they do not have a fraud alert on my file and I have been told by an Equifax representative that Equifax has no record of a fraud alert notification for me. 

I do not know if XXXX has a fraud alert on my file. I was unable to overcome XXXX 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if XXXX has placed a fraud alert on my file or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. 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 explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-05 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: MN

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-05 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: MI

Complaint narrative:
I am XXXX XXXX XXXX natural person and consumer. I a writing this with no outside influence from a third party. Please review the attach documents to see the issue.

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