vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 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 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-16 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:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 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 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I applied for the HAF program through the state of MD, the governement contracting company handling the applications is TERRIBLE! I have had to reapply bc they changed their system, they aren't being transparent with homeowners who are behind on payments. 

The XXXX XXXX XXXX XXXX XXXX is out of Florida, has approx 9 employees handling 40k applications, can't see docs you upload in the system, the people processing the applications don't sound like they know what they are doing or have processed mortgages or related products before. They are currently NOT in good standing with the state of MD, because they haven't filed taxes in MD for XXXX, XXXX, XXXX & have a poor rating with the XXXX They have threatened to cancel my application, my processor refused to answer my questions while they are the problem and have dragged out the process and NOT letting people know their previous applications had been canceled due the system upgrade. 

I am now being offered a trial loan modification with Select Portfolio but they won't tell me what the final terms will be and get an attitude with me when I ask them. I have 13 years left on my mortgage, why would I want to pay 17 years of interest all over again? 
None this makes sense OR is on the up & up with both companies. 

I am VERY CONCERNED for other homeowners dealing w both these companies as well. 
Please help! Thank you!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my XXXX XXXX XXXX  XXXX, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. 

What is the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers 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 2022-06-16 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: FL

Complaint narrative:
N accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2022, my credit card was subjected to a Hostile Takeover of Account XXXX XXXX XXXX XXXXXXXX and {$2000.00} was taken as a cash advance and transferred to my savings account. 

Subsequent to the transfer to savings, there was an attempt to transfer the {$2000.00} out of savings which was unsuccessful as the account was frozen. 

The hostile actor changed my email address and password denying me access to the account. 

As requested by the bank ( Penfed Credit Union ), I have uploaded my Drivers license, copy of a telephone bill, social security card, and a notarized request to change my pass word. 

I have now received an invoice for {$2000.00}, which is for the {$2000.00} fraudulent cash advance plus interest and fees. The balance is due by XX/XX/XXXX and I have been unable to resolve this in spite of numerous calls to the bank.

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 2022-06-16 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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 3 ) a Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services I have been adversely affected by these blatant violations to federal law on my consumer reports by violating the clear exclusions provided to me by law, for these alleged debts : XXXX XXXX XXXX Account # XXXX Instructions : Delete my non-public personal medial information from my consumer report.

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 2022-06-16 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: AmeriCollect
State: WA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: P.S.C., Inc
State: WA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting fraudulent activity to ChexSystems under my social security number. They are falsely accusing me of fraud activity, and showing that I have an unpaid balance with them in the amount of {$2300.00}. Their claim is not only false, but it is also defamatory. 

I have been denied credit due to their lies, if they do not remove this listing immediately from the ChexSystems report under my social security number, I will be seeking damages due to their defamatory actions!!

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 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation

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 2022-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation

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 2022-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I made a special order through XXXX XXXX XX/XX/2021, after about two months I received a statement from my credit card company. I called the bank right away as I had been charged without any items being given to me. The bank opened a claim, they denied the claim due to the fact that they contacted the store and the same manager that charged my card in full instead of putting a hold on the card like the procedure for special order is. Instead I was charged in full and even though its been a year and i informed the bank, filed a police report, went to the store to try and get a return, spoke to corporate, sent proof of texts messages between me and the manager showing I did not have the item the bank has failed to fix the issue. They continue to report this to the credit bureaus and after over a year have no resolution, I have done my part and made countless attempts at fixing this and providing them with the information showing that I do not have the items, they are aware the manager who charged my card was fired from the company because of this same fraud to other customers yet they fail to fix my issue and continue to affect my finances tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: GA

Complaint narrative:
I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. XXXX the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH refuses to give pay off to our parents reverse mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
reference XXXX Cash app had allowed a charge to go through even after I had kept my card locked and the company charging my account, XXXX, had told me in an email that my account would be closed if I did not change my method of payment. I didn't change my payment method as well as I had written in to cancel my services over a month earlier and was under no contractual obligations. XXXX still made a debit in the amount of XXXX in the beginning of XXXX, XXXX. I made my formal complaint via Cash apps dispute form on XX/XX/2022. According to the eft they have 10 days unless a provisional credit was issued if one was issued they have 45 days. It has been 46 days and no provisional credits were issued, no credits were issued at all actually and no refund given. Anytime I go to inquire it is a lengthy process just to get any kind of response from Cash app and all they say is the same 45 day reciting of the eft which like I said it has been 46 days and they only have 10 days unless provisional credits were issued. When I tell them this they dont have any response other then saying they don't know what to tell me it isn't their department and im not allowed to talk to that department. I have reached by phone chat and email all with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I received a statement from BMO Harris Bank. I immediately called them and ensured BMO Bank that I never opened an account with them and never heard of BMO Bank until then. I asked to deactivate the account and ensured them that this was a case of identity theft and a fraud. 

On XX/XX/XXXX I received a letter from the debt collector XXXX XXXX XXXX XXXX, wanting to collect {$74.00} on behalf of BMO Harris Bank.

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