vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter out on XXXX XXXX to Experian and XXXX about a XXXX collection accounts which is XXXX XXXX XXXX and diversified adjustment However the credit bureaus sald they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S, Code 6 1681a - Definitions ; rules of construction. 
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov so that others can learn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: I.C. System, Inc.
State: OH

Complaint narrative:
I have reached out to XXXX in regards to two collection accounts on my credit report from I.C. System INC. I have contacted XXXX and XXXX and they have removed these negative remarks but for some reason, XXXX has not. I did not have a procedure with XXXX XXXXXXXX XXXX and not sure why I can't have this removed and it's in collections. The amounts in question on the report are {$380.00} and {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
Re : Loan Number XXXX To whom it may concern or The Money Source Escrow Account Manager, On XX/XX/XXXX I found out that my homeowners insurance, XXXX XXXX XXXX, had been canceled on XX/XX/XXXX due to a non-payment but my account showed the proof that my insurance was still active. To confirm the coverage, I contacted your customer service on XX/XX/XXXX and spoke with XXXX and was told you did not receive any cancellation notice and that my coverage was still good until XX/XX/XXXX. Additionally I was told that 2 payments were made to XXXX XXXX on XX/XX/XXXX for {$2000.00} and XX/XX/XXXX for {$430.00}. Thus I was told no action needed to be taken at this time. XXXX also stated that she will follow up with my question by doing some research and get back to me, but I never received a call back so I put this information in writing and sent you an email on XX/XX/XXXX requesting an explanation as to why I was being told I had insurance when I didnt. 

Unfortunately, I never received a response regarding my question or a record of my insurance being canceled and now 8 months later, on XX/XX/XXXX, I am being penalized for a lapse in coverage which is causing my premium to double. 

To resolve the problem, I would appreciate an explanation of what happened to the payments made to XXXX XXXX and why you ( The Money Source ) never informed me of the cancellation. Why did it take this long or 8 months for you ( The Money Source ) to ask me to take action or to remedy the situation? Even when I called on XX/XX/XXXX, you stated that my insurance was still active with XXXX XXXX XXXX ( until XXXX XXXX, XXXX ) - so why did you provide me false information? I have lost trust in how you have handled my escrow account. This was your job to inform and communicate to me so that I could have done something about it. I could have gotten a new insurance so that there wouldn't be a lapse in coverage nor be penalized for it. 

Again, I'd appreciate an explanation and a refund of my premium for the lapse period, XX/XX/XXXX to XX/XX/XXXX and cancellation of the lender-placed insurance payment of {$2300.00}. Enclosed are copies of my records ( email and proof of your payment to XXXX XXXX ). 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another viloation. 
I have all the evidence attach below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was notified by Target Card Services that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XXXX XXXX XXXX XXXX I received a phone call from the phone number XXXX around XXXX and they left me a voicemail stating they were from the XXXX XXXX XXXX XXXX XXXX and calling in regards to some legal documents that required my attention. They requested I call back at their direct line for XXXX XXXX ( or XXXX, couldn't hear ) XXXX at phone number XXXX. I called that number and was told that I had missed a court date on XX/XX/XXXX that I was subpoenaed for on XX/XX/XXXX. I said I never received any notice of this and never signed any subpoena papers, and knew I was not available on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or I could opt for the civil process in which I would post the bonds attached to each citation, see a handwriting analyst to rule in/out my signature on the subpoena, then get my money back. Throughout all of this they had me withdraw money from savings and checking accounts and make cash advances and balance transfers on all my credit cards. Part of this was a {$5500.00} balance transfer on my Discover credit card. Luckily, I figured out it was a financial scam before the balance transfer posted to my account so I was able to call Discover on XX/XX/XXXX and have them reverse the transaction. With that, there was a {$110.00} transfer fee that was charged to my account. I made a few phone calls and attempted to have that money refunded and was told that could not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX continued Per XXXX request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that XXXX does not apply trickery and delay tactics as they practice on a ongoing process. 

All the issues are real and they need to be held to account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a Visa gift card in the amount of {$50.00} with an expiration date of XX/XX/XXXX from my son about 2 years ago. I did not use it right away and forgot about it as it was in another purse. When I found the gift card the other day, XX/XX/XXXX, I decided I should activate it and use it. Upon activation I was surprised to see it had a {$0.00} balance. Upon further investigation I saw that the company that issued the XXXXift card, GiftCards.com, had charged a dormancy fee to the account in the amount of {$4.00} a month until the entire {$50.00} balance had been depleted. I phoned the company at XXXX, and explained what happened and requested they reverse the fees. I spoke with a gentleman named XXXX who stated he opened a case # XXXX and took my email information and said I would get a response in XXXX days. 
I received an email response from Giftcards.com/Omnicard.com today, XXXX, with " their sincerest apologies since they were unable to reverse the fees. The fees were deducted because there are costs associated with maintaining the account, largely driven by requirements legal and reporting of the issuing bank. By Terms and Conditions, we can not reverse the fees. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Bank account number XXXX date opened XX/XX/XXXX amount XXXX. 
Account was removed and my initial dispute XX/XX/XXXX then reinserted 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 non-monetary relief
Consumer complaint received 2023-01-17 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: CITIBANK, N.A.
State: OR

Complaint narrative:
While travelling in XXXX on XX/XX/2022 I received a notification from the Citi app on my phone alerting me of potential fraud. The card in question was not on my person in XXXX -- I had left it at home because I never use it. 

There were 4 charges at 4 different vendors in XXXX and XXXX XXXX, Oregon. XXXX  XXXX for {$36.00}, XXXX XXXX for {$39.00}, XXXX & XXXX for {$82.00}, and XXXX XXXX for {$180.00}. 

I marked the charges as fraudulent and cancelled the card. I also called a friend to go to my apartment in XXXX and check that my apartment hadn't been broken into and the card stolen. There was no break in. 

Weeks later I saw that the charges still had not been refunded and that an investigation was still underway. On XX/XX/XXXX I called Citi to reach the fraud department. I was asked questions about what had happened and I explained the above situation to them. On XX/XX/XXXX I received a letter in the mail marked XX/XX/XXXX from Citi stating that they did not consider the charges to be fraudulent and that I was now liable for {$340.00}, and threatening that if I am past due that they may report my account to credit collectors. I have had this card open for years and have never even been late on a payment.

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 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
I have two different companies trying to collect the same debts that I supposedly owe. The first company, Sequium, contacted me via email on XX/XX/XXXX, and failed the validate the debt when I requested it. They emailed me again today, XX/XX/XXXX, with a settlement amount for a debt that still hasnt been validated. The second company, XXXX XXXX XXXX, randomly sent me an email on XX/XX/XXXX for the same supposed debt, has never contacted me before, provided zero information about said debt, and did not include any information on my rights to dispute said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Ive been a victim of a scam. I saw an ad for an apartment on XXXX marketplace which has been reliable in the past. But I applied for the apartment the landlord said I had to pay first months rent and security deposit prior to seeing the apartment. So I did and then he has me wait a week then says I have to pay second months rent before seeing it 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 non-monetary relief
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

Company response to consumer: Closed with explanation