vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2022-02-25 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MS

Complaint narrative:
I received a response letter from Equifax. 
In the letter they continue to report my in-correct phone number. 

Equifax reports a wrong phone number XXXX. This is not my correct phone number Equifax needs to report my correct number. This is now my XXXX attempt to get them to correct this information. Please delete the incorrect information. 

My correct phone number is XXXX. I kindly and patiently am asking that they stop reporting this wrong information and correct my information. I am enclosing a copy of the letter that they have sent me today and I have circled the incorrect phone number in green.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently requested a copy of my credit report and noticed an address that does not and never have belonged to me. 
I sent TRANSUNION a certified mail letter on XX/XX/2022, demanding the unknown address be deleted from my consumer report immediately. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. TRANSUNION have violated my Federally Protected Consumer Rights

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I own a XXXX Bank credit card. My problem today is that I have successfully paid off my credit card on XXXX separate occasions. On both occasions, the payments were cleared and posted successfully. I know this because both times I was allowed to continue using my credit card to make purchases and my balance was {$0.00} at the time of those purchases. This is important to know because my credit card limit is {$3000.00}. Both of my payments exceeded this amount. I called their customer service number and was told multiple times that my balance was zeroed out and that I wasn't carrying a balance. A few days after paying off my balance, my credit score took a dive, and when I logged in to check my balance. It had been reversed for the second time! I have receipts showing that both of my payments were successfully posted. 
SYNCHRONY BANK is not operating with integrity. If I pay off a balance then, that should be the end of the transaction. No bank should be able to reverse a payment that has been successfully posted. 

XXXX XXXX- A transaction that has been fully processed and completed. 

If my payments were POSTED successfully both times, then why were they reversed? 


Please closely review my attached documents. I will be including evidence as well as a letter with federal codes that SYNCHRONY BANK HAS VIOLATED. 

My GAP/SYNCHRONY BANK credit card balance is currently {$3500.00} as of XX/XX/2022. 

The dates of my successfully posted payments were : XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a check in my account on XX/XX/2022 in the amount off {$950.00} at a Wells ATM before the daily deposit cut-off time and the transaction posted on XX/XX/2022. Hence, I expected use of my money on XXXX, as a prior ATM deposit on XX/XX/2022 in the amount of {$1000.00} from the same maker was correctly credited the next business day without any hold. 

When I called the Wells toll free customer service number I was told that the funds were being held for review until XX/XX/2022 due to the banks difficulty in getting funds from the makers bank, so Wells Fargo is basically saying that the makers check did not clear, which I know not to be the case but will verify within the next few hours. Holding funds unnecessarily and following that up with direct false statements to your customers is no way to run a bank serving the XXXX public.

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 2022-02-25 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-25 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Im trying to fix my credit an its a few things on my credit report that been over XXXX years an I keep dispute it an they want take it off the name of the company Jefferson capital system an XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX : -I received a letter stating that a judgment was filed against me for a car dispute with XXXX car rental. I had no prior knowledge about this judgment. This was the first time hearing about this " default judgment '' of {$1100.00}. I had rented a car from XXXX in XXXX and settled a dispute over a minor scratch on the rented vehicle. 

- As directed in the judgment letter, I contacted the lawyer using the number listed on the letter ( XXXX ) XXXX. The receptionist on the line seemed confused about my case number, and when requested to speak to XXXX XXXX XXXX I was transferred to XXXX XXXX, the Office XXXX. I asked XXXX XXXX how to confirm XXXX XXXX was a lawyer and she told me to " XXXX him ''. I also asked how to look up where this judgment was filed and she said she didn't know that information. She told me I had to pay or a judgment would be submitted. However, the letter indicates that a " default judgment was entered against [ me ] in favor of our XXXX XXXX, XXXX in the amount of {$1100.00} ''. She requested I pay over the phone or send a check or money order. If I paid over the phone I would have to record my credit card number. I was unsure at this point if this was a scam so I said I would send a check in a month. 

- After this call, I located XXXX XXXX XXXX 's bar association number and contact information. I called him to confirm he had filed a judgment against me or would if I didn't pay. During our conversation, he said that had received multiple calls about similar judgment letters, that he was not associated with the contact information listed on the address, and that this company was using his name without his permission on these judgment letters. I emailed him the judgment letter on XX/XX/XXXX to confirm he is not associated with the " case ''. He responded on XX/XX/XXXX stating there is no judgment " as far as he knows '' against me and that he requested the judgment file from the office XXXX XXXX is associated with. He also directed me to ignore the letter until this can be confirmed. 

- Using the legal support team through my employer, I explained the aforementioned events. I was advised not to pay and to check my credit to ensure no judgments had been filed against me and to file a fraud report. 

- I checked my credit report with the XXXX credit bureaus to confirm a judgment was not filed against me. As of XX/XX/XXXX, no judgments have been filed against me as reported by the XXXX credit bureaus. 

XX/XX/XXXX : - I was contacted by the email from XXXX XXXX from the email address XXXX on XX/XX/XXXX. The email requested the full amount and was signed by XXXX XXXX and stated they previously called me to collect this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2022-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On Thursday, XXXX XXXX2022, I AUTHORIZED Credit Karma to close my savings & checking account and send remaining balance in form of a cashiers check. They said I must complete a series of questions via email first. I called multiple times on Friday, XX/XX/2022 for an update on closing of my accounts and was told that they cant close my account at this time and dont know when theyll be able to. I asked to speak with a supervisor on two different occasions to my right to know and investigation on the matter, and they hung up on me multiple times. Credit Karma will not allow me access to my money from my savings account of {$1700.00} and as a consumer who credited the bank and loaned the bank funds I have every lawful right to authorize closing of my account immediately and the returns of my funds. This is causing mental, financial and emotional injuries to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-25 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez LLC dba Shellpoint Mortgage Servicing services my home mortgage. They fraudulently have added lender-placed insurance on my account for months, charged me for it, and refused to remove or refund it. My own personal insurance information has been provided on emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint is deliberately unresponsive and unclear about why lender-placed insurance was placed on the account in the first place. Shellpoint is not operating in good faith to resolve this issue and continues to fraudulently charge me for lender-placed insurance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Continental Credit, LLC
State: NV

Complaint narrative:
I started this program back in 2019 paying over 85 a month. They lowered it to XXXX  after I complained and said what do they actually do for me especially since I can do all of this myself. I have several times asked them to cancel my service after nothing that was promised was fulfilled. I have asked for a refund in writing going back to when I first asked and they still have yet to give that to me. Instead they just call and ask me to consider giving it time. I normally do not make complaints but I had to file a claim with my bank and now this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation