vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: GA

Complaint narrative:
On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, XXXX and TransUnion, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: GA

Complaint narrative:
On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, Experian and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TN

Complaint narrative:
I am writing an update to complaint # XXXX against Experian and complaint # XXXX against XXXX. On XX/XX/2022, I contacted Experian to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. Experian insisted I had to contact XXXX to resolve it. Experian refused to do anything but claim they would start a fraud alert. Experian did not provide any documentation of the fraud alert. Since I should not have any accounts with XXXX, I felt reluctant to give up my personal information. I contacted XXXX to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that XXXX would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from XXXX in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called XXXX on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that XXXX can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from XXXX. Thank you, XXXX 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-01 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:
I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and egregious collection accounts from XXXX XXXX and XXXX XXXX XXXXXXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted this company Portfolio Recov Assc to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received in the mail, that I have recently applied to open an deposit account with Wells Fargo. However, they were not successful in opening the account, and sent the letter by mail to inform me. 

I have not recently tried to open any accounts regarding any new banks, and I will like to put an consumer alert on my account, preventing others from opening any new accounts at the moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
I monitor my credit on a weekly basis to weed out fraud or anything unusual happening to my account. Back in XXXX I got a ding on my account saying that a merchent pulled my credit report. I then got in contact with XXXX. I spoke with a representative from XXXX and then I let them know that I wasn't aware of the merchant who pulled my credit. They then told me to file a complaint with the FTC. I did so along submitting the FTC documents and writing a letter to XXXX. Maybe 30 days later I had still seen that the merchants information was on my credit report. Then I also go another ding on my account about another account that was in XXXX. I called XXXX again and I explained to them that this account had been closed since XXXX. They then told me that I had to contact the company which I did and I spoke with a representative at the company. They then told me they had spoken with XXXX to have this account reflect as being paid off. However, nothing has changed on the credit report. I called XXXX again and I sent a written document along with a copy of the actual report. And again it's still on my credit report - nothing has changed. 3 weeks ago I did a dispute of 3 items on my credit report and I noticed a change on my credit score. I had called yesterday and last week requesting that these items be removed. It shows " Closed '' but not removed from my credit report. I've seen a lot of derogitory accounts on my credit report that I would like to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I give authorization for the company to move forward with this complaint. Please see the full complaint attached in the documents and supporting identifying identification. The company Credit Collection Services purchased a debt without me being involved in the transaction. I do not have contract with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, Equifax, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, Equifax, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
My account is in the negatives and transactions that were paid through XXXX XXXX and cash app was said couldnt be disputed. My cash app was then charged twice by 2 different users having money that wasnt in my account pulled that wasnt there leaving it deep in the negatives. The cash app transfers need to be disputed so that Im refunded my funds from a fraud. I have the person cellphone number that somehow took money from my account and having me pay on it. I shouldnt have to use my money to fix my account just my money that was took from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was transferred to Mr Cooper back in XXXX. I was told I need to start making payments to them as of XX/XX/XXXX. Today is XX/XX/XXXX and I am not able to make payment. I tried for a month to register online and it will not recognize my info. I call on the phone and the phone system recognizes my number but then after hours of waiting on hold no one ever answers. I also push 1 for a call back and the system never calls me back. I got ahold of someone today and they claim they are not servicing my loan and it's some XXXX company. They transfer me there and then I am told they have no idea who I am. Bottom line. I HAVE NO WAY TO PAY MY MORTGAGE AND NO WAY TO CONTACT WHOMEVER I AM SUPPOSED TO PAY. So I literally can not pay my mortgage and have no way to get help since no one claims to be servicing me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed thru XXXX and XXXX that the accounts where not mine and requested proof of the debt. The addresses that the debtor has have never been my address. They have never been able to send me anything that is mine or proof that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My Ex received a letter from CCSXXXXXXXX  ( Credit Collection Services ) about a debt owed to XXXX XXXX My ex lives on an address that i've never lived on, the letter had her address but MY name on it. We both have NEVER used XXXX XXXX. 

Talking to CCS they seemed sketchy and not providing much data. I've informed them that I'm not paying the debt and would like a debt verification letter with their proof that it's my debt. 
They couldn't give me any information about the debt and informed me i should call XXXX, they tried to patch me through to a number that is not registered with XXXX I called XXXX customer care and informed them about this. They informed both me and my ex that no money is owed and that there was no history of this either. 
I called XXXX fraud department and they've concluded the same and told me it was most likely a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive received a Pay Day loan with Check n Go in XXXX for {$300.00} and Ive received a call XX/XX/XXXX from representative who states this is considered fraud and if I dont pay the debt or give my bank information theyre serving me with a warrant for my arrest. The representative also requested a portion of the payment in order to stop a warrant from being served at my place of employment or home. I advised the rep I never received any documents regarding this issue and they advised it was sent to an old address but its my responsibility. Im really scared to give my bank info but Im also scared to be arrested for a {$300.00} payday loan that is now {$1400.00}. Is it legal for the threats and harsh calls with representative yelling at me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-01 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: MN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
I have a signed Loan Estimate disclosure document with XXXX XXXX XXXX XXXX, XXXX confirming my rate lock contract at 3.875 % is good through XX/XX/2022. 

Today, XX/XX/XXXX, they have issued an email to my broker saying they will no longer honor this rate and all rates for this loan product are now at 4.75 % Lock Desk XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX How this is even ethical is beyond me. If this is allowed, it takes away all confidence any consumer has with a rate lock. Allowing a lender at their own discretion to ignore any contracted rate locks can detrimentally hurt all consumers financially along with taking away the faith that these rate locks are meant to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My Aunt, XXXX XXXX XXXX, designated me as POD on a CD. She passed away on XX/XX/2022. When submitting the death certificate to Bank of America along with their paperwork they told me that I am not on as a POD. They said that when my father became the POA on the account I was removed from POD by BOA not the POA. They specifically said that " the POA did not remove me. '' BOA removed me as POD on this CD and refuses to communicate with me about the details to resolve the issue. My father was the POA for my aunt. He has told me time and time again that he never removed me as POD and would never violate my Aunt 's wishes for this CD

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 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I moved from XXXX  to XXXX  in XXXX, 2021. In XXXX, I requested by email that Mercedes benz financial services ( MBFS ) provide proper documents for my car registration in XXXX. In XXXX, I provided all the information required by MBFS. Since then, MBFS didn't provide the documents for car registration. On XXXX XXXX, 2021, I paid off the loan and requested the title be returned to me. For months till today, MBFS still hasn't been able to tell me whether they lost the title or whether they will pursue for a duplicate title. Everytime I spoke with a different CSR. I could n't drive my car as it still hasn't registered in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX It's a few things but all these things need to be fixed that i mentioned please help me resolve all the problems you can, thank you very much. ( 1. ) somebody is spending money in my name using to pay utilities it said i am not ok with any money being spent. ( 2. ) says i have taken a mortgage on something i did not and would not do. ( 3. ) I never lived at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( 4 ) My XXXX # has also been compromised and have an identy theft- identy fruad im trying to figure out any help would be greatly appreciated. ( 5. ) A already disputed charge of {$1500.00} to a common wealth financial, swift emergency phys., the only thing it changed was the address from coliseium dr. To XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2021. ( If it helps my grandaddy XXXX XXXX XXXX passed and in his will i was left some things and money that i never received, and could be what that mortgage is but if it is id b living there nobody told me how to get my part of the will. ) But all the things listed above need to be disputed and if he left me a home and somebody took a mortgage out on it that deffinatly needs to be disputed along with the rest of what was supposed to be left to me that i never received.nobody notified me of any of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
They were asking for an account number or social security number. But we have never done business with TRUIST BANK. They claim we owe XXXX for an account ending in 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