vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Account : XXXX XXXX XXXX  Acct # XXXX Account : acct # XXXX Account : XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions. 15 U.S.C 1681c. section ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I never apply to this bank or gave them permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have waiting to see if Wells Fargo has included me as part of the CFPB as I definitely should be included. I called Wells Fargo on XX/XX/XXXX when I hadn't received anything from them. No one would even attempt to look at my records. I was only given a genetic answer that they are still working on cases and they will be in contact with me. 

In XXXX Wells Fargo refused to consider any type of modification of my loan because they provided me a 3 month modification in XXXX. All payment requirements were met in XXXX and I was making regular monthly mortgage payments until XX/XX/XXXX. 
In XX/XX/XXXX my husband was injured and unable to continue working. He applied for XXXX payments. He finally began receiving monthly payments in XXXX. 
I requested XXXX consideration in XX/XX/XXXX which was denied in XX/XX/XXXX because Wells Fargo decided the 31 % income requirements were met. A second HAMP filed in XX/XX/XXXX was denied in XX/XX/XXXX. 
During this time I worked diligently with a mortgage workout counselor through a local agency and was reassured there would be no problem in qualifying for assistance through Wells Fargo because I met all the requirements. 
I worked closely with Wells Fargo and provided them any and all documents needed and attended and completed credit counseling. Every time I contacted them I was assured they were processing my case. It took nearly 2 YEARS for them to turn around and tell me I didn't meet the requirements because of the 3 month trial modification I completed 5 years previously. I will never understand why they gave me false hope and led my credit counselor and I on for 2 years thinking all was good and my request would be honored. 
I would appreciate a good long look at my case. There is no doubt Wells Fargo mistreated me and I should be included in the CFPB suit if I'm not already.

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 2023-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: FL

Complaint narrative:
I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NH

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX credit card reported a late payment to all three credit bureaus for an item that was returned in XX/XX/2022. XXXX XXXX XXXX XXXX partially refunded the credit card three months after the return was processed. Partial credit was done in XX/XX/2022. I called numerous times to request for a full refund. The merchant informed me that while they investigate and work on crediting the full refund back into the credit card, they will not report a late payment. However, they reported a late payment for the months of XXXX and XX/XX/2022. Final refund was processed in XX/XX/2022. I've called Experian as well as XXXX XXXX XXXX  XXXX multiple times to have the late payment removed. Both companies have not resolved my complaint and the error still have not been corrected. Late payment still shows on my Experian credit report for XX/XX/2022.

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 2023-04-16 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: CA

Complaint narrative:
I have an account on my credit file that is reporting wrong information. This account was closed and paid off. The account is not past due and is having a negative impact on my credit score. The account information is as follows : XXXX XXXX XXXX XXXX Account number : XXXX Please update or delete this information immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VYSTAR CREDIT UNION
State: MN

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I got a loan through VyStar Credit Union, provided proof of insurance that the dealer required, and so on. The loan shows it was populated on XX/XX/XXXX. My first payment was due in XX/XX/XXXX. After paying my loan payment on time for XXXX and XXXX, I noticed it said my loan payment due was wrong, but I kept paying the correct loan payment amount to not be late. Then in XXXX I decided to make an online account instead of paying the loan without one. I saw " CPI - Collateral Ins '' charges of XXXX XXXX per month on my loan. I never received any communications from VyStar about this at all. I then contacted them and was informed I didn't have proof of car insurance. This is the very first time I ever heard anything about this. My proof of insurance was submitted with my dealer when I bought the car in XXXX. I followed their steps and submitted my proof of insurance. During this time, they were putting XXXXXXXX XXXX per month late charges on my account, presumably because they were charging me XXXX XXXX  per month on top of my payment. None of this was ever communicated with me. Now we're in XXXX, I check my account. They sent me one refund of XXXX XXXX  to my Savings account instead of just removing it from my loan? My loan still shows 3 late fees due and XXXX XXXX on my loan history.

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 2023-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with Portfolio Recovery and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
I was in contact with XXXX XXXX from Flagstar and he indicated I could scratch the old escrow balance and out the new amount and sign the letter and submit. I signed the letter and submitted to bank. They processed escrow payment on XX/XX/2023. This brought my escrow account to {$0.00}. I sent the letter certified mail. No one contacted me to say hey we need a new letter signed for escrow they just proceeded to pay my taxes on XX/XX/2023 creating a new balance on my escrow account. This is clearly unacceptable. I need someone from management to look into this.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

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 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Account : XXXX XXXX XXXX  Acct # XXXX Account : acct # XXXX Account : XXXX XXXX XXXX  acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions. 15 U.S.C 1681c. section ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 a credit card account XXXX  XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies Transunion, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, Transunion and XXXX are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 a credit card account XXXX XXXXXXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, Equifax and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, XXXX and Equifax are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account Name XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This debt has been charged off, income IS NOT supposed to be reported on credit. This account is considered income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through XXXX  it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: CA

Complaint narrative:
I have an account on my credit file that is reporting wrong information. This account was closed and paid off. The account is not past due and is having a negative impact on my credit score. The account information is as follows : XXXX XXXX XXXX XXXX Account number : XXXX Please update or delete this information immediately. Thank 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 explanation