vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated

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 2022-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple letters have been sent out to XXXX Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I received a response from XXXX XXXX regarding a fraudulent account being opened under my social security number & they removed the account but I received an alert almost 3 months later Equifax decided to add it onto my credit file. I want this removed ASAP along with the 7 hard inquiries listed because I was a victim of identity theft & have already proven this to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: TN

Complaint narrative:
Sometime in XXXX of XXXX  I went to the hospital and current hospital bill but I have Medicare policy number to XXXX XXXX XXXX  XXXX and I have North Carolina Medicaid policy number XXXX. What's really foolish about this is they rather send it to collection then accept my Medicaid and Medicare every time I try to talk on the phone and tell them I have Medicaid and Medicare they act like they don't even want to accept that and they want a credit card. I have Medicaid and Medicare and I had coverage back there in XXXX of last year I don't understand how come I'm in collection. Rather send the account to collection then accept my insurance. I don't know who's running this hospital or who's running this collection agency but I keep telling them what my insurance policy is and and they won't accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX XXXX XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In Honor and Grace, 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 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FDIC has already referred this to you under reference # XXXX To whom it may concern ; Ive been trying to get help from Bank of America and was told they would escalate my case but have been giving me the run around. Because of this, my account is negative and I am past-due with my rent and other bills. I have no money to pay them! My family will literally be homeless and my car repossessed very soon! 

Last month I received a text from Bank Of America stating there was fraudulent activities on my account. I clicked on the text and then my phone rang. The person introduced herself as someone from Bank of America fraud department. The caller ID on my phone said Bank Of America. She said to protect my account would need to verify recent activities with me. She then sent a secure link for me to log into also mentioned that a security code would be texted to me ( which it was ). Then asked for the code to verify my identity. Then she reviewed some recent charges with me. She then said everything should be ok now, thank you for being a Bank of America customer. This was during the time I was back-and-forth to the hospital as my mother was there. It wasnt until my brother sent me money he owed - that I logged into my B/A online account to confirm receipt is when I noticed many XXXX transactions to names I did not recognize - totaling {$16000.00}!! Can you please help me? 

Bank of America claim number is : XXXX Fraud Department phone : XXXX Last agents I spoke with : XXXX - ID # XXXX - XX/XX/22 XXXX ( in Delaware ) ID # XXXX - XX/XX/22 XXXX ( in Texas ) ID # XXXX **said a XXXX would call back in XXXX hours but never happened ** Me and my family are running out of time as weve already been served with a Notice To Quit Please help ASAP. 

Thank you, 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 monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I entered into forbearance with cross country Mortgage LLC They told me my options in XXXX of XXXX I asked to leave the forbearance and asked for a loan modification. they said I pay a certain amount for three months and wait to see if I am approved. I call once a month and check to make sure I am doing everything right I have been sending them money every month and they have my money in a hold account I have been doing this now for a year and they have not let me out of loss mitigation they said I was approved for a modification and that I am now in closing I wrote them a RESPA letter asking for paper work I have not received a thing from them just a statement saying they are going to do an appraisal on my home and I have to pay for it I still calling them once a month and been told the same thing I was approved and that's all they will say. I have been trying to get out of loss mitigation and Cross Country Mortgage LLC will not let me out they have over XXXX XXXX of my money in a hold account I only owe them XXXX there's a huge difference

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: CO

Complaint narrative:
I sent a letter out to validate a debt that was not mine. They did not provide me with any signature of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My name is XXXX XXXX XXXX I live in XXXX Oregon and I was put inside of some organization where my life has been turned into a living XXXX I am the most upbeat positive person that puts positive in people 's lives because it makes the world a better place but I've been beat down told I had an inheritance that the government has it they don't have to tell me where it's at this organization has never given me one single penny when I get told to open a bank account and different banks they talk to me like I'm stupid and they don't know what I'm talking about why would you insure money the FDIC and the banks are not obligated to get a hold of the person if they have some money for them is the most stupid ridiculous thing I've heard in my whole life and what a rip off but you guys are truly ruined my life and our government put me inside some research or whatever the XXXX this thing is and then when I try to start a company put me inside some organization and take complete control of it and never receive a penny but you guys drive around staying the nicest hotels having steak dinners and beat the living XXXX out of me for four years straight with that one bit of positivity with all these people that you have here are from the military and are not homeless and treat me like living dog XXXX  every single day is the worst crooked thing I've ever seen any Americans do in my life and they should go to XXXX jail

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 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, my husband and I opened XXXX separate checking accounts on Truist 's website. My application # is XXXX, and my husband 's application # is XXXX. We didn't get approved immediately. The result we received were " Whoops. It's taking a bit longer than usual to get your account details ready. '' However, until now I didn't receive any email or mail regarding our checking account details. We only received XXXX emails ask us to make deposit into our accounts. But we are not able to do so because we do not know our checking account numbers. We are not able to create online banking either because we do not know any information of our accounts ( debit card number or account number ). We called customer service, spent XXXX hours on waiting and finally spoke with representative. They didn't know what's going on either. They asked us to go to a brach, but the nearest branch is XXXX hours of driving.

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I attempted to retrieve my credit bureaus online and was refused and prompted to request by mail

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 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am experiencing ID Theft since XXXX.A Con artist made a change of address without knowing at XXXX and started receiving my mails included new debit, check stuffs and new credit card at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CAXXXX  where the criminals uses as forwading address .After found out about ID theft, I treid to make corrections with XXXX, Banks and credit card issuer and seems like they are solved.Now I got an email from Chase bank this Morning where I have new checking and savings said my address has been changed again from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl,XXXX where I live now to XXXX 's address in XXXX XXXX XXXX, CA above. I have to call Chase bank to explain that I did not make change of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
CREDIT CONTROL FAILING TO OBEY THE LAWS HAS BEEN PUT IN PLACE PUTTING MEDICAL BILLS OM MY CREDIT REPORT I DONT OWE I HAVE REACH OUT TO THE CREDIT BUREAU AND THEY FAIL TO RESPOND THIS LETTER IS FOR MY RECORDS MY HIPPA RIGHTS HAS BEEN VIOLATED AND MY MEDICAL RECORDS HAS BEEN COMPROMISED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
My XXXX XXXX XXXX credit card is now Marcus by Goldman Sachs. I lost my XXXX  XXXX card and called them for a replacement on XX/XX/2022 I was told that the card would be shipped via XXXX and that I should have it soon. 

When I had yet to receive the card, I called Marcus by Goldman Sachs again on XX/XX/2022 and was told the same thing again. 

Here it was on XX/XX/2022 I called them again because I still have yet to receive a card and only keep getting told that it is ordered and on the way. I know it should not take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, BMO accepted a check that was illegally endorsed. The check was an insurance two-party check made out to me, XXXX XXXX XXXX and XXXX XXXX XXXX. The check was to be endorsed by me and then sent to XXXX XXXX with paperwork I provided from XXXX XXXX for their endorsement. XXXX XXXX never received the check for their endorsement. 
I gave the check to XXXX XXXX, endorsed by me with the paperwork and they said they would send it to XXXX XXXX so they could endorse the check and send it back to me. Instead, XXXX XXXX endorsed the check themselves, deposited it, and BMO accepted it. Seems to be illegal. 
XXXX XXXX and my insurance company 's bank, XXXX XXXX, filed affidavits of fraud. 
On XX/XX/XXXX, the fraud charge was denied by XXXX XXXX, fraud analyst with BMO. XXXX XXXX has accepted the ruling. 
I have appealed to XXXX XXXX and he has responded that he would revisit this claim. 
He seems to be dragging this out. I am looking to get this resolved after over a year of this dispute.

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 2022-03-27 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: MN

Complaint narrative:
Lots of hard inquires I don't recognize or authorized. I sent an updated Identity Theft Report and police report recently to Equifax for the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kahn, Dees, Donovan & Kahn, LLP
State: FL

Complaint narrative:
I received a garnishment notice last week XX/XX/XXXX for a medical bill for my son from XXXX. They said the bill was incurred in XXXX or XXXX. They filed a notice of garnishment with a company in Illinois that is not associated with my employer. I am not sure of the validity of this debt. I immediately upon notification contacted the attorneys office who filed the garnishment and no information could be given to me. Is there a time limit for medical bills in the state of Indiana? I have now lived in XXXX  for over 13 years and when I did live in XXXX my son had Medicaid coverage. I am not even sure if it was for my son or for myself because no information was given when I called. When they sent the notice of garnishment it was sent to numerous places. I contacted an attorney XXXX XXXX and they got some information and I have proof I was never served and I had no notice of this bill. They are threatening my livelihood over a supposed medical bill that has to be over 12-13 years old. Can you please assist me. The following is from my attorney who is unable to assist as they are not licensed in XXXX garnished. 



The address on XXXX XXXX was your last address in IXXXX  in XXXX ( your mothers house ). 

No one there on whom to substitute serve you you had moved to XXXX. ( House sold? ) After final judgment was entered, of course you were not aware that garnishment proceedings started. 



Plaintiff tried to garnish company in XXXX with same company name ( sort of ) as you work for. 

They signed green cards but that wasnt your employer and is not affiliated with your employer. 



Still no good service not at XXXX XXXX address on documents. 

( Even if they managed to serve you in XXXX, they never served you Then finally the Plaintiff got service on the garnishment Order after the XXXX company you work for Was sold to the XXXX entity. 



But still you were never served the underlying complaint. 



XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from transunion and XXXX via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.

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