vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo removed {$39000.00} plus from my bank account. They are refusing to tell me who has the money today. Is Wells fargo holding the money? Does the government have the money? Does the Plaintiff Attorney have the money? I have been given several answers to that question. I need the truth. I am being unjustly sued for this money. I am not asking WHY they are holding the money. I am asking WHO HAS THE MONEY RIGHT NOW. I asked wells fargo attorney XXXX XXXX if the money is being held by wells fargo or if the money was given to the government or if the money was given to the Plaintiff Attorney. He has not answered me and I believe I deserve an answer immediately to this simple question. It was removed from my account the first week of XX/XX/2020.

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 2020-05-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I want someone to go through the interest they are charging every month. How can they charge the same or more interest when my balance is lower. Something is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 the credit card was charged {$6600.00} to XXXX XXXX in XXXX XXXX ( I was in Colorado at the time with a hotel receipt, plane ticket, gas receipts, meal receipts, etc ). The charge was stated as 'you disputed the charge because you canceled the charge and expected a credit on your account ' which is first of all, inaccurate. The charge is blatant fraud by a specific individual who stole my identity and used the card and number. 
They ( Chase ) denied the dispute and closed the case and billed my credit card yet I've proven with actual data that I was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020, Capital One, notified XXXX XXXX, that it again hired Debt Collector, XXXX, XXXX, and XXXX, to make allegations Mr. XXXX defaulted on a credit card for a second time. On XX/XX/2020, XXXX XXXX, faxed a debt validation notice to XXXX, XXXX, and XXXX, to provide verification of the debt within a 30 period without contact under the Fair Credit Act. On XX/XX/2020, Capital One, contacted Mr. XXXX, via automated E-MAIL, during the 30 day validation period, in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am in the process of applying for a mortgage. I was notified that I needed any disputed remarks removed from my credit report. I had disputed remarks on XXXX and XXXX accounts. I am NOT disputing those accounts, I simply need the remarks removed to proceed with a mortgage application. 

XXXX  and XXXX  removed them within 24 hours of my phone call. It has been almost four weeks and almost 10 phone calls, multiple " investigations '' ( that I didn't even ask for ) and Equifax still has NOT removed the remarks. Instead they have opened multiple investigations. 

The remarks were never removed. Called back numerous times and told the same thing, instead disputes were opened on my account. I called on XXXX and was told they'd be off by XXXX. Again, nope. Called again on XXXX and said they would cancel the dispute and remove the remarks. This morning, XXXX, I received an email saying the dispute was over and a PDF on the website states the remarks were removed. However the comment still says 'CONSUMER DISPUTES - REINVESTIGATION IN PROCESS '' I first called on XX/XX/XXXX, was told the remarks would be removed within 48 hours. In the dispute center on Equifax 's site, the first was opened and closed on XX/XX/XXXX. I am attaching screenshots for each account, you will note that on the XX/XX/XXXX report it says that 'The Explanation Previously Attached to this Account has been Deleted ' for both XXXX and XXXX . However below under 'Additional Comments ' it STILL says 'Consumer Disputes this Account Information ' ( under XXXX ) and 'Consumer Disputes After Resolution ' ( under XXXX ). On the XXXX report it says : 'The Explanation Previously Attached to this Account has been Deleted ' however below under 'Additional Comments ' it says 'Consumer Disputes - Reinvestigation in Process ' under both XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX at XXXX I sent {$400.00} via cash app to XXXX XXXX XXXX XXXX I then received a notification saying money was returned for my protection. When I looked in my account I did not see where the {$400.00} went back to my cash app so I looked a little bit into it and realize there was a hold on it and said it would be returned by Wednesday have emailed finding out why the money was returned or why there was a hold and have not heard back from cash app and now I get on and look to see about the hold and I can not find the hold anywhere and it is still yet to be deposited into my account I call the following number XXXX XXXX XXXX XXXX and it says they usually have anyone to answer calls but can contact them at cash app.support witch I have done and nobody has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
I filed a complaint against Experian XXXX, gave them numerous copies of my Drivers license and social security card, sent them copies of certified mail receipts and copies of all the letters sent to them, and instead of addressing the dispute and just removing the inaccurate information, they are now saying they do not believe I am who I say I am. As to their requirements I have provided ALL the required forms of identification, if they want my W2 with my current address, utility bills, vehicle registration, doctors note, note from my pastor, I can provide it all. This is just another stall tactic as they have been doing for the past few months because they do not want to do what they are required to do under the rules of FCRA, and believing I will give up and go away, I assure you I will not, as a matter of fact I am now filing complaints against them with the FTC and XXXX  today, and plan on researching any other agency that can help get this problem resolved since the CFPB seems to just pass along notes like little kids in elementary school instead of having a representative respond to the complaints being filed.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently received a letter from Transunion Consumer Reporting Agency of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX  also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. Transunion/XXXX  has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Transunion/XXXX/XXXX  also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from Transunion/XXXX   unethical and straight biased considering the lack of proof they have supporting their claim. Transunion/XXXX/XXXX  has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and Transunion/ XXXX/XXXX  Should be held liable

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 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
On XX/XX/2020 I arranged to transfer {$5000.00} to a vendor in XXXX. The number transfer is # XXXX. Payment was to be made in XXXX XXXX. I received a confirmation from Transferwise that the transaction went through. However, to this day the money has not arrived in the XXXX bank, nor was I refunded for the transfer by Transferwise. 

There was an error in the account number I originally provided ( where the funds were to be transferred to ), which I was advised would usually cause the receiving bank in XXXX to return the fund. 

TW has provided me with a copy of the payment confirmation issued by their correspondent XXXX showing the transfer was completed on XX/XX/2020 to XXXX  XXXX in XXXX. XXXX XXXX advised me directly that no such transfer was received by them. My vendor showed my transcripts of their bank statement for the period around XX/XX/2020 showing no incoming payment. 

I can not get anyone to talk to me. I have had maybe 20 email exchanges with XXXX and the answer is " we are working on it ''. 

It is now 7 weeks and I am asking for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I initially has a mortgage with XXXX XXXX. I filed for Chapter XXXX Bankruptcy in XXXX, case # XXXX. The bankruptcy was discharged in XXXX. XXXX XXXX went out of business in XXXX, and did not file a of proof claim with the bankruptcy court. This debt collection company has changed names multiple times to include XXXX XXXX, XXXX and now it is calling itself Shellpoint. I have contacted the company during all three name changes to dispute the claim, but they continue to state that the mortgage is owed. The last communication was XX/XX/XXXX. I am sending along the last communication with XXXX in XXXX. The company was then renamed Shellpoint in XXXX. I am also sending along the Chapter XXXX Trustees discharge summary and discharge order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am following up to my complaint # XXXX. This complaint was not resolved by Wells Fargo. A letter was sent to you stating they resolved this matter. They did not. I was not provided a copy of the Hold Harmless/Indemnification form that was sent to XXXX XXXX. No explanation was provided as to why XXXX needed this form, who it was sent to, when it was sent, and what happened to my recalled wire transfer. The letter was signed " XXXX XXXX '' from Wells Fargo. This person does not have an extension when contacting the number provided on the letter. Please do not close this complaint, as it is not resolved.

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 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2020 someone allegedly impersonating me by allegedly showing an ID that matched my information ( although teller did not make a copy of the presented ID ) walked into a US Bank branch in Missouri ( I live in Illinois and have never been to Missouri ), filled out a counter withdrawal slip that does not match my name or any signatures on file, and was successful in walking out with {$5100.00}. The fraud department requested a provisional credit from the specific branch in Missouri on XX/XX/2020, stating to me that this should not have happened because the counter withdrawal slip does not match name or signatures. I also filed a police report and reported alleged identity theft and secured all of my accounts and identity with XXXX and placed a freeze on my credit. I have not heard anything else about it from the bank despite calling them multiple times about the provisional credit and providing them with everything they need. This is a large sum of money and I am baffled at how someone is able to walk out with such a large sum of cash after having filled out a counter withdrawal slip with a different name and signatures that do not match. My name is not very common and the account was opened in Illinois and i live in Illinois. I believe the bank was extremely negligent in disbursing these funds or in was an inside job since I am a POA on that account and I am not sure how anyone would know this information except for the bank, and the bank is now dragging their feet in reimbursing the account. 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 monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
We were forced to give up our apartment due to medical hardship and being unable to afford the rent. We did not wish to be evicted so we made arrangements with the property management agent to relinquish our apartment with 2 weeks left in the month in immaculate condition so it would be ready for new tenets as quickly as possible. We were told we had given enough notice and they had found a new tenant. Now that we are in better standing financially we have found that I have a {$13000.00} collection on my report We have disputed this account with the credit bureaus but have not had any success and it keeps growing. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Advantage Credit, Inc.
State: NY

Complaint narrative:
There are many hard inquires on my credit report that I did not authorize. They are from brokers that did not ask my permission. XXXX XXXX was my mortgage broker and I was told he would run my credit once which was fine ... ... Then I seen how many times he ran my credit without my consent he never told me and he denies it when its all on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau - Equifax complaint XX/XX/2020 I have been unable to refinance a home mortgage because creditors can not access my Equifax credit report due to a security freeze. 

On XX/XX/2020 I unfroze my credit reports with XXXX and XXXX XXXX through their web interfaces, but when I tried to lift the freeze through MyEquifax.com the site said I was unable to do so and that I should call Equifax customer care at ( XXXX ) XXXX. 

When I called Equifax, I was given automated instructions to fax or mail documents verifying my identity. I faxed a copy of my California driver license along with other requested information that same day Wednesday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX I called Equifax customer care again and this time I was able to speak to a representative. I asked if my fax had been received and when the credit freeze would be lifted. The representative said it takes up to five business days. 

On Monday, XX/XX/XXXX I called Equifax customer care again to get a physical address where I could mail the identity documents. That same day I sent via the US Postal Service a copy of the same identity documents that I had previously faxed. The letter was addressed to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

On Wednesday, XX/XX/XXXX I called Equifax customer care again and a representative told me he was unable to verify receipt of any of my documents. I faxed them once again to the number previously provided by Equifax, ( XXXX ) XXXX. Both times I sent the faxes I received verification from my fax service that the faxes were received. 

It had now been a week since I initially tried to lift the security freeze. The lender I was working with insisted they needed credit reports from all three bureaus. So I moved to a second lender, who ran my credit reports from XXXX and XXXX XXXX while waiting to run the Equifax report. So now I had two hard credit inquiries while still not being able to complete the transaction. 

Today, Thursday, XX/XX/XXXX, it has been over two weeks since my initial request to lift the Equifax freeze. I just tried to sign into MyEquifax.com and received the same message I received on XX/XX/XXXX : Please give us a call - We can't complete your request at this time. 
Please call the Customer Care team XXXX I have temporarily abandoned my attempt to refinance the mortgage and when I start the process again I expect to have lower credit scores with XXXX and XXXX XXXX as a result of the two earlier hard inquiries. There are also two faxes and one letter in some unknown location containing my most sensitive personal information. 

The lack of response and concern by Equifax in my opinion is unlawful and appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received an alert from XXXX XXXX on XX/XX/XXXX about a Collections account in the amount of {$1400.00}. The creditor is XXXX XXXX. Collection company is The XXXX XXXX XXXX L. I used to live at XXXX " XXXX Drive from XXXX. In XXXX XXXX, XXXX was contacted via mail and email to cancel the account. I did not receive a response or a bill from XXXX to XXXX. When I moved from that location all mail was forwarded to my P.O. Box. I never received any collections or bill pertaining to my account. My email is still the same. My original account was through XXXX. I received an alert from XXXX XXXX today XX/XX/XXXX stating that I paid {$1.00}, in which I didn't. Please look into this. 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
Consumer complaint received 2020-05-07 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: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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