vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  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 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo Closed my credit card for no apparent reason. I barely had a chance to use the card. Basically they said my credit score had dropped slightly and I am no longer worthy of the credit limit that they had given me in the amount of {$3000.00}. I have never been late on any credit cards and now this is hurting my utilization score and credit number. I cant even get anyone in the phone. The card number is XXXX XXXX XXXX XXXX This is just so upsetting when I have not done anything wrong. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I have Money Network, through my job. On the XXXX of XXXX, I received a ping that said XXXX dollars was taking out of my account. I immediately contacted money network. Secondly the money was withdrawn in another county. I have never used my card outside my county, due to the fact, I have no car. I have not used my card since, the incident. I have been transferring all funds to my bank account. I sent in the proper paperwork, and everything that was asked of me. I finally received a letter on the XXXX of XXXX, that my dispute was denied. Called multiple times, trying to get in touch with the dispute department. Was told there is no phone number, for the dispute department, only fax. So now Im in the process of having to file an appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 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: FL

Complaint narrative:
Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # 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 2022-07-29 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: FL

Complaint narrative:
Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
In accordance with the Credit Reporting act XXXXXXXX XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On the evening of XX/XX/29 I picked up some individuals because i sometimes use my car as a car service to make extra money. there were 4 passengers. I went into the store to buy a pack of cigarettes left them in the car for i did not lock eveything up and some of my id and card were in the glove compartment of the car one of them i dont know which one, shuffled through my glove compartment and removed my wallet and later commited indentity theft my other driver lic and address where in the wallet. several days later i relized that the wallet had been taken out of the glove compartment. later on good samaritian mailed the wallet back to me that he found. on the street. when i checked my statement I had XXXX unauthorized transaction on my card, filed a dispute with american express phone number XXXX XXXX XXXX XXXX and phone number. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX GA XXXX they denied my dispute stated I gave the passengers permission to steal my id and was negelent. please help. sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AR

Complaint narrative:
In XXXX of XXXX I was told my escrow account had a shortage of {$3300.00}. Due to them paying two insurance bills. Which I paid back one of them, that was the {$3300.00}. I was told repeatedly that my monthly mortgage would not go up. XXXX my payment was normal but for XXXX it is up over {$100.00} again. I called back multiple times on XXXX and was told many different numbers. First {$370.00}, then {$670.00}. Finally after many calls to supervisors I got a woman who was very kind and explained it was actually going to be another {$1400.00}. I repeatedly asked if the shortage was for taxes or insurance and the supervisors couldnt tell me that my taxes also went up. I had to find that on my portal statements. Now they are saying that it is because of the required reserves of {$1000.00} plus what is projected to be negative. When I pulled up my online account statements I do not even have XXXX. I have 2 for XXXX and one for XXXX. Also the bottom of my statements where it shows what I need is not showing {$1400.00}, it is showing {$670.00}. There is absolutely zero way for me to prove that I am not overpaying or that my reserves were even depleted or where it went. The woman also told me there is no way of preventing this again. I am not assured that I will not be over charged another almost {$5000.00} in the future. When I asked where the shortage was coming from the first 4 people couldnt tell me? It is abundantly clear this company is not competent in escrow nor money management. At this time I have paid a shortage of {$3300.00} in XXXX and yet another {$1400.00} today XXXX. How did my escrow account get so upside down, and who will be held accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
On or before XX/XX/2021, I went to XXXX XXXX XXXX  in XXXX, SC to work out for the last time before I departed for college in XXXX, SC. Since XXXX is XXXX hours from XXXX, I stopped at the membership counter on the way out and spoke to the XXXX 's employee. I explained that I needed to cancel my membership, and after the employee looked up my membership information, the employee told me that my membership " was taken care of ''. Now XXXX 's is claiming I owe {$910.00}!!! This is a very fishy tactic and I suspect they have done the same to many other people, especially since they closed the XXXX location in the last year. Please help me and others that XXXX 's may be treating unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NJ

Complaint narrative:
My auto insurance company, XXXX XXXXXXXX, uses LexisNexis to establish an " insurance score ''. They keep showing two reason codes that are incorrect, XXXX - Number of accounts with bad debt in the last 24 months or derogatory public record or collections is 1 or more and XXXX - Insufficient information on bank revolving accounts. 
Both these comments result in me paying higher insurance premiums which is totally wrong! 
XXXX refers me to Lexis Nexis. Lexis Nexis refers me to the 3 credit agencies- XXXX, XXXX and XXXX. My reports with them are spotless. My scores as of XX/XX/XXXX are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX. 
There is incorrect info being reported from somewhere and nobody wants to investigate they all point fingers at each other. When I contact any of these companies, you can't get a live person on the phone, and the automated system only wants to send a report. I have the reports and there's nothing derogatory on them. 
I had a XXXX XXXX confirmed on XX/XX/XXXX and discharged on XX/XX/XXXX which is more than 2 years ( 24 months ) ago. In the three credit agency reports, they report me as having credit for 32 years and have not had one late payment in the last 2 years. 
I realize there's no incentive for XXXX  to discover they truth then they'd have to lower my insurance premium PLEASE HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My Client " XXXX XXXX XXXX '' has been trying to get in contact with the lender Shellpoint for a month prior to the foreclosure sale due to a recent car accident that happened. She even ordered a payoff because she was initially planning to sell the house and finally leave the state of texas. The lender " Shellpoint MTG '' has been very difficult in helping her and answering her questions on what her options were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Last week my Comenity XXXX XXXX card stopped working ( all transactions declined ) with no notification of any kind from the company. I tried logging into my account online and it said username/password were incorrect ( they were not ). I then tried to use the " forgot username or password '' link, entered my card #, zip, and last 4-digits of social and was told there were no accounts that matched that information.

So my account was either locked or closed without my knowledge, and I can not contact Comenity Bank via email, phone, or even social media. I want to officially close my account but I can't contact anyone at Comenity to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-29 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: IL

Complaint narrative:
I ask why my loan is still being reported as in default this is a third party what is long the company is XXXX XXXX XXXX and this is part of a plan for me to be forgiven for my loan and Im trying to find out why is none of this being reported to the XXXXXXXX XXXX XXXX XXXX did one who told me to get in touch with you all I did get in touch with a XXXX XXXX what is company the number is area code XXXX Ive been in touch with him to send me information for the money I have been sending to them which goes out at the end of the month of {$19.00} which is supposed to be going towards my student loan for forgiveness program but nothing is showing up I was hoping you all can help me get some type of information on this

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 2022-07-29 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
Elevate Recoveries fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted Elevate Recoveries today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed Elevate that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to XXXX on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted XXXX, who informed me that this was reported by Elevate. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and XXXX did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.

Company response to consumer: Closed with explanation