vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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: TN

Complaint narrative:
On XX/XX/XXXX, each major credit bureau ( XXXX, XXXX, Experian ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.

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 2020-12-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters , LLC and their subsidiary collection, XXXX XXXX XXXX, refuses to show a debt that settled and a closed on my credit report. The debt was settled in XXXX but theyre still showing the account open, and are reporting it as such. XXXX XXXX XXXX Account Manager : XXXX ) sent me a letter stating the issue was officially satisfied, and there was no more money owed on the account but they refuse to update my credit and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
there was letter dated Month of XX/XX/XXXX to XXXX XXXX requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from XXXX with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the XXXX XXXX asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent XXXX XXXX  on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that XXXX XXXX have took to ad the negative information on my credit according to fora law how ever XXXX was not success full to remove the information the respond was over 30 days from XXXX the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the XXXX XXXX failed to resolve this issue again the XXXX giving the sad excuses to not remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
XX/XX/2020 I discovered several fraudulent accounts reporting on my XX/XX/XXXX & Transunion Credit Report. I have alerted XX/XX/XXXX of the fraud by submitting Identity Theft documentation.

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
Greetings, First of all i want to inform about the poor manners and the low quality of costumer service XXXX XX/XX/XXXX provides to their costumers where to get a hold of human are insane plus the inflexibility with their costumers during this global tragic times of COVID 19 Their hold times are about 2 hrs with no sucess of speaking with nobody wasting time and besides that they dont comply with regulations of providing provisional credit in fraudulent charges they sent me their papers regular mail but i recieved them late because of covid delays mails a soonest i recived their request i faxed it over to them after going thru a whole adventure to get a human on the line. Its for real really unhuman have a person for hrs on the line and not be able to resolve consumer issue because they are depleted of satisfactory staff to honored costumers issues and needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: ID

Complaint narrative:
I used world remit to transfer money from my US XXXX XXXX savings account to my XXXX XXXX savings account on XXXX XX/XX/2020 - time XXXX. The money went out of my XXXX XXXX account on XXXX XX/XX/2020 - {$1000.00}. This transaction is reflected on my XXXX XXXXXX/XX/XXXX statement. 

This money never reached my XXXX XXXXXX/XX/XXXXsavings account with my local bank XXXX. 

I send a request to World remit on XXXX XXXX when this money was still not showing in my XXXX XXXX Savings account. World remit 's only reply to my was they are still waiting for their local partner for the information. 

I contacted the foreign currency manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that the money was never received in XXXX XXXX. She advised that I ask for a XXXX document. I've repeatedly requested this from World remit with out any success. Their reply was that they are still waiting for their local partner to respond. As to this day and after request on request to World Remit I have not received this XXXX. Neither my {$1000.00} back in my XXXX XXXX savings account or my XXXX XXXX XXXX savings account. 

World remit just sent my a message after 60 days that my recall was unsuccessful. 
I've started requesting about this transaction way before the 60 day window aloud expired - First enquiry XXXX XX/XX/2020 and still World Remit did not manage to get the necessary info from their local partner? 

I would greatly appreciate if this {$1000.00} can be redeposited into my XXXX XXXX account seeing that World Remit can not get any response from their local US partner - who ever this may be?? 

I've started requesting about this transaction way before the 60 days Your kind attention in recovering this {$1000.00} is greatly appreciated seeing that a {$1000.00} are a lot of money for a XXXX year old season worker. 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I signed up for TransUnion in XXXX and I didn't need to use their credit report services any longer after accessing my report. I only wanted to check my credit score and I didn't realise I would be billed every month. 

I wanted to cancel the service because I was being billed automatically each month on my credit card. However, I couldn't find information on the website about cancellation. They have a FAQ section on the website but it doesn't contain cancellation information. Due to my work schedule and time zone I am in I'm in I wasn't able to make a phone call to find out what to do. They kept charging me each month and finally, after XXXX searching and searching I found a way to cancel online. 

TransUnion have a hidden page that you can't find a link to on their website, or that I could find in all of my searching. I found the direct link to the cancellation page on a XXXX thread written by other upset TransUnion customers. 

I'm extremely unhappy about my experience. Forcing people to call or search all over the internet to find a way to cancel a service is unfair and discriminates against people who are unable to speak on the phone or navigate the web with ease. 

I ended up being billed for 3 months by TransUnion. I realised after 2 months of being charged what was happening. I don't think it is fair to consumers ( especially who are concerned about their credit scores and don't have access to extra funds ) to create a system that is hard to navigate and find a way out of.

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
My Wife and I were victims of identity theft with a company called XXXX XXXX and they were notified and a police report sent to the company and its collection team of XXXX. The account was removed from the credit bureau but now has reappeared with another collection company called MontereyCollections. This has affected by lively hood and life and is damaging my reputation. 

Respectfully XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Item needs to be removed off Trans Union file # 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 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
We purchased our home in XX/XX/XXXX. Since this time our mortgage has been sold three times ( and is apparently scheduled to be sold again at the beginning of the upcoming year ). The third time, XX/XX/XXXX, was to the current mortgage holder, The Money Source ( TMS ). We received an 'Escrow Account Disclosure Statement ' dated XX/XX/XXXX stating that we had an escrow shortage and would have to pay an additional {$6700.00}. The options for paying this deficiency was to either pay the total in full or to increase our monthly mortgage by {$640.00} each month for the next 12 months starting XX/XX/XXXX. We reviewed an 'Escrow Account History ' included in the statement but could not understand where TMS got it's information regarding the deficiency. Nevertheless, we paid the additional {$640.00} for XXXX and XXXX to avoid any discrepancies on our end until this matter could be resolved. We have called TMS an innumerous amount of times trying to gain clarity and understanding of this issue. We have spoken with at least one supervisor who promised us she could get us a re-analysis of the escrow and get the 'Loan Boarding Department ' to correct the account numbers, as they are wrong ( according to her ). We did identify to TMS that our initial balance was not itemized in the 'actual escrow running balance ' and therefore caused a false negative starting balance. We also pointed out that our monthly payments were 'lumped together ' instead of being shown as paid, on-time each month. We further discovered and pointed out that out homeowners insurance was removed twice this year ( TMS said that was an error and needed to be corrected ). They have hung the phone up/disconnected our calls and made promises about follow-up calls that have not been followed through with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/2020 I had made a paid for a subscription on XXXX.XXXX. the subscription was six months and cost a total of {$180.00}. This company has to send me a one package a month, but within the first month there was a one month delay. Sp I had to wait an extra month to get my package. When the package arrived, it came with low quality products and one of the items was missing. On the next month 's package it was the same thing. All of the items were here, but they looked very bad in quality. After that, I had decided to request for a refund, but they don't have a proper customer service. So I had to file a dispute through my bank account, but due to lack of communication, the case was closed and I had lost my money. Furthermore, the company XXXX had stop sending me the rest of the products that they owe me. They only send me two packages as of XXXX and haven't send me updates on anything. When I log into my XXXX  account, I can't even see my order history or any of my previous subscriptions that I got from 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 explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I submitted a billing dispute and followed Barclays instructions and disputed a XXXX XXXX airline charge, that had a {$600.00} variance that I wanted to be made whole on, based on a US Dept of Transportation enforcement action. 

I provided this information to Barclays on XX/XX/XXXX, after the formal 60 day billing resolution period. I received a form letter back from Barclays on XX/XX/XXXX, stating that since it is beyond the 60 day window, they can not help me. 

I called Barclays team ( Case ID # XXXX ) and spoke with XXXX  XXXX in the XXXX on XX/XX/20 at XXXX MST. She informed me that I would have to create another dispute letter to explain why I wanted Barclays to pursue this beyond the window of time. I provided all this detail in my original letter to the bank. ( XXXX ) The bank has an obligation to contact the merchant and obtain some type of acknowledgement in this situation.

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 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago. 

According to the records obtained by Midland Credit company, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by Midland Credit Company. I never received a credit card statement because of the fake address and never even knew this happened until Midland began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by Midland have taken a toll on me and my family emotionally and caused undue stress on us all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I made a XXXX payment to pay off my discover card and Discover has locked the card for 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whomever it may concern, As of today XX/XX/2020 my money has been held without explanation since XX/XX/2020. XXXX XXXX dollars has been sitting in my capital one account this whole time saying funds not available for withdrawal. It was the beginning of my business and we were working on getting our business account. The fact that their were third party payments, the bank took it upon themselves to open an investigation which still to this day has not come up with a conclusion, when i ask them about it they say they cant say nothing to jeopardize the integrity of the investigation. None of the clients who sent the money filed a dispute or complaint in regards to unauthorized payment, in fact no-one has said anything about anything due to the fact that my client are outside of this country and used a digital banking app known as XXXX. Since trying to explain to them what XXXX is and they not knowing they just kept stonewalling me. I have called and filed numerous complaints with the bank and have spent at least 25 hours on hold waiting for someone to give me a conclusion. At this point my company has suffered irreplaceable losses due to the loss of our seed money, which basically came from our first project. In the middle of covid the bank decided to hold over XXXX. At this point I am filing a law suit in small claims court against the bank. 
Capital One customer service used profanity and even used racist comments to describe my situation when i pleaded with them to help with my situation, multiple events where I was told to be put on hold and litterally just hung up on, no class or deception just straight up treated me like dirt. When I went to the branch they said there is no way to speak to the investigators who made this decision, The crazy part is that every month the account is still gaining interest meaning they are actively using that money in their portfolio which is what banks do and recognize it as viable funds able to fund their bank and make their trades, but for me the money is frozen weird ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have reached out to Midland since XXXX XXXX, 2020 in regards to an account on my credit report. When I call they inform me my account has been placed with XXXX  and their webpage says this as well. I called XXXX and emailed and was told they do not have the account that it was sent back to Midland and directed to contact Midland. Midland still shows it is with XXXX  and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. 
I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at XXXX daily until I can receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten 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 explanation