vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. A number of months ago I was a victim of identity theft, and had a number of accounts/inquiries start reporting on my Transunion credit report that were fraudulent. Of those accounts, specifically, a XXXX XXXX XXXX XXXX account ending in XXXX was deleted from my report- after sending in an Affidavit of Truth , exhibits, identity theft reports, etc. My credit report went back to how it was supposed to look- and the item was completely gone for about 2 weeks. Then I checked my credit one day and it was TANKED. I called Transunion and they notified me that XXXX XXXX XXXX had verified that the account was mine- after they had blocked it, so they put it back on. I immediately called XXXX XXXX XXXX, and XXXX assured me that this account was not mine, their investigation was 100 % complete, this was identity theft/fraud and that they had reported this repeatedly to Transunion- to no avail. I have attached proof of my claims today, as well as the proof that the item was DELETED completely off of my report and then put back on- fraudulently. I have since talked to XXXX XXXX XXXXXXXX yet again, who has assured me that this is 100 % Transunions fault and that their systems and processes often take months behind all other reporting agencies to update accurate information. This mishandled situation has cost me numerous business opportunities, has tarnished my name and reputation, and has ruined my credit score- which used to be close to XXXX before this fraud occured.

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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I found out someone opened a credit card account with the company in question in my name and called to close the account in 2019. I filed an identity theft report as they had also opened a XXXX XXXX card in my name, with my FTC Report Number being XXXX. XXXX XXXX closed the account immediately and removed it from my account. Indigo, however, closed the account by did not remove it from my credit report. 

Recently, I checked my credit report again, only to discover this account was closed but still reporting late payments. When I was able to gain access to an online account, I learned that not only were the statements going to an address in Virginia I've never lived, but the phone number and other important information was also incorrect. I have lived at the address starting in XXXX in New York since 2019 and the address starting in XXXX New York my whole life before that. I have never lived out of state or even out of my hometown. 

Indigo argues that they used my social security number and birthday to sign up for the account, which of course they did. That's what happens when someone steals your identity. They also claim they sent information to my address, but they either sent it to a wrong address ( if it was an address beginning in anything but XXXX or XXXX ) or it was stolen from my mailbox, hence was I initially reported it stolen and closed my account. They claim they've sent an affidavit of identity theft, but if they sent it to the address they had on file, they've sent it to someplace in Virginia I have never lived. If they check my credit report, they'll notice that they're the only ones reporting it as my address, as I've never lived there. 

So in summation, Indigo did not get my address, phone number, or anything else correct but issued a card to someone and, despite being alerted it's fraud, is negatively reporting on my credit report, sending important communication to the thief 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo only allowed me 15-16 months of forebearance instead of the 18 I should be eligible for. My last call to them I was put on hold for 30 minutes and never received any answer regarding the problem. I have had XXXX XXXX times and was XXXX XXXX times in the last XXXX XXXX I should be given the additional XXXX months of forbearance and can bring the account totally current in that time with no issue. I also will have increased income starting this month and will be able to fix up the property to sell it if needed or wanted by myself. 
I request the sale date be moved out 60 days so I can bring the account current and also have the opportunity to benefit from my $ XXXX in equity by selling or refinancing the property. 
My credit score is up over XXXX points in the last 90 days as well. I want to salvage this loan or refinance it to continue my upward momentum in terms of my credit score. 
This loan is XXXX or XXXX backed. Please have Wells Fargo give me the additional time to get this loan current. I currently have a good chunk of the reinstatement amount available and will have all of it within XXXX days with no issue. 

Thank you for your time, patience and assistance!

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 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
paypal closed my business account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months. They held XXXX money from my small business! Paypal has not been doing their job properly and it is effecting me and my small business, the email linked to my paypal business is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. I have sent XXXX several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

XXXX has Re-Aged this account, XXXX states this Account was opened on XX/XX/XXXX XXXX states this Account was Charged off on XX/XX/XXXX, Payment history reported by XXXX to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX. XXXX has deleted since deleted XXXX from my credit file. 

Payment history reported by XXXX to Transunion XXXX states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by XXXX to XXXX XXXX states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} XXXX has continued to re-Age this account and report Major Inaccuracies. I am requesting that this account be deleted from my credit profile.

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 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I sent a transaction 3 times but it got canceled 3 times, then I looked in my app for the company and it said complete. As if someone picked up the money. I filed a complaint with the company and they found their mistake. They issued me a refund with a control number and this is where the problem lies. I have relocated to the XXXX but my bank is in the United States as for now. I use the online service to send my money to me in the XXXX as my debit cards do not work here. They stated my bank would not accept my refund and sent my refund through their service to XXXX. As I stated I have relocated to XXXX and can not receive my refund in XXXX. They refuse to change the payout location for me even though I have sent the requested documents to prove who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized accounts that shouldnt be reporting on my credit profile. This has been a rough time during this pandemic times

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 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened a venmo account for my son to be able to receive a XXXX gift on XX/XX/2022. From the start i was having problems adding a bank account. I kept getting error messages and my account was frozen by venmo. I have contacted them several times by email since XX/XX/XXXX asking if i can just send the money back to the sender and they would not provide any assistance with that. They have emailed me requesting to upload an ID and bank statement which i did. I then followed their instructions to attempt to link my bank account and still i was not able to. I have tried doing that so many times and i was still not able to access the funds. I tried adding a bank card and sending the funds back to the sender and i have gotten nothing but error messages. There was nothing i could do on it. Still today on XX/XX/XXXX this is unresolved. This is so frustrating and i am really tired going back and forth with venmo 's account specialist on email with no help from them. I just want the funds returned to the sender and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I received an invoice in the mail from XXXX ( supposedly ) with an invoice date of XX/XX/XXXX- it was sent to my previous address and rerouted to my new address. It stated that I owed for a shipment from " XXXX XXXX XXXX XXXX '' in XXXX, California to " XXXX. '' XXXX '' in XXXX XXXX, California. I live in Missouri and have never lived in California. I sent photos of the invoice to the XXXX Scam email address and contacted them via XXXX to see if this was a scam. And if so, to remove it from any accounts associated with me. I do not have a shipping account with XXXX and have never mailed anything with the company- so I am not sure how this even happened. I never heard from XXXX about the false invoice. Then on XX/XX/XXXX, I received a collections notice in the mail from TRANSWORLD SYSTEMS INC, dated XX/XX/XXXX. It was sent to the wrong address as well ( our neighbors down the street ). It claimed that I owed XXXX money for ( 8 ) different invoices for shipments sent before XX/XX/XXXX. I never got ANY notice of these shipments, but that's not surprising because they had nothing to do with me! On the letter, it said I could dispute the charges if I sent correspondence via mail by XX/XX/XXXX. This is clearly a scheme. I tried calling TRANSWORLD with the number provided on the letter, but they just sent me to a voicemail. No one has called me back. At this point, they are trying to get almost {$150.00} out of me for shipments that I had nothing to do with. I've seen this has happened to many other people by searching online. Both companies need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
AR RESOURCES , INC . 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for AR RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXXXXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I had received a notice from a debt agency ( Transworld Systems Inc. ) in XXXX of XXXX that I supposedly owe a certain amount of money from the creditor of XXXX XXXX XXXX. My family and I were moving at the time so I was not made aware of this notice until XXXX oXXXX XXXX. In which I had sent a validation letter on XX/XX/2021 to have this company prove that I am the person they claim in which this debt belongs to, in which they proceeded to send me a letter with a bill on XX/XX/2021, but no verification that I am in fact the person that owes this debt of {$430.00} ( in which " the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor ... '' ). I had sent them another letter, reiterating that they have not verified that this is my debt on XX/XX/2021 that I was expecting -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature Once again they had sent me a letter of just the bill of the breakdown of the payments that I supposedly owe, but there was no contract bearing with my personal signature, that I had originally asked in bother letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Few years ago I purchased a vehicle my loan provider was Bridgecrest auto finance. 
During that time they have an inaccurately reporting to the credit bureaus I reached out to them multiple times too Bridgecrest in the guards to multiple late payments that are incorrect Starting from XXXX To XXXX at this point I dont know what to do I want this to be corrected but unfortunately Im on able to speak to someone order to handle this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Since the Navient settlement has been announced I have called to get information because I should qualify. I have a predatory Tuition Answer Loan that I have struggled for years to pay. I asked them if I would be apart of the cancellation settlement and they said they dont know. I asked so I still need to make payments since I am currently sick with XXXX and they said yes Ive used my XXXX  time. This is exactly how they have treated me and others over the years and Im sick of them. I need them to ensure my loans are a part of this cancellation Ive not been able to buy a home or get married because of these loans holding me back & now Im sick and cant pay and they dont want to help and they dont care. They just want to steal your money even knowing these loans were predatory. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
I've tried explaining to this consumer reporting agency that I didn't authorize this reporting agency to report this inaccurate information on my consumer report. It is really starting to become a burden on me and my family.. this is a complete error on behalf of this reporting agency. I have never been late on my payments to XXXX XXXX and would like this matter updated to paid and current.

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 2022-01-18 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: FL

Complaint narrative:
I received a notice from XXXX who I bank with about an update to my credit score today and was shown my score XX/XX/2022 was XXXX. I received an email from XXXX homes regarding an inquiry I made online regarding a possible home purchase. I authorized XXXX to make a soft inquiry of my credit XX/XX/2022 @ XXXX and was denied stating the report from Experian provided stated my credit score was XXXX. How can the same company 's report provide one company such varying scores on the same day which I might mention was a banking Holiday which would indicate to me that no transactions were added to my report today to cause such a difference in the 2 scores. Needless to say I feel Experian may be in the practice of XXXX discrimination because the the company providing home loans received a score that was significantly lower then the score provided to my bank ON THE SAME DAY by THE SAME COMANY.

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