vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: MI

Complaint narrative:
Below is the letter I sent to TransUnion on XX/XX/2021, I have yet to get a response from them and/or a removal of these accounts from my credit report. 

RE : Request for Investigation of Unauthorized Inquiries To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXXXXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help 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 explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: MD

Complaint narrative:
SoFi advertised new lower student loan refinancing rates after going public, and encouraged me to check my rate ( by offering me SoFi points to check my rate and apply ). Additionally, SoFi advertised via chat and their website that they had a rate match guarantee and would also give {$100.00} along with a rate match. My existing rate was lower than what SoFi showed me after I submitted my information. I asked via chat how to take advantage of the rate match guarantee. I was advised to email my proof of lower rate to SoFi 's customer service. I did so immediately, sending over my last student loan statement and loan approval letter from a couple months ago with my current lender. Two days later I had no response from SoFi, so I contacted customer service via chat. The representative confirmed the documentation I sent over and said all that was remaining was completing my application, which included a hard credit pull. I completed the application, and once SoFi approved it at their initial advertised rate, I returned to chat to have my current lower rate applied per the match guarantee. The new representative said that SoFi would not match existing loans, and that I needed a current rate offer from a competitor. This was different than what had been stated earlier the same day by a different representative. Based on the earlier communication, I only agreed to allow SoFi to hard pull my credit and submit my application under the understanding that SoFi would match my lower rate based on the documentation I submitted.

As of now, I have a ding on my credit and SoFi has changed their stance on what they told me re the match guarantee and promotional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
as soon as I applied for forbearance, my mtg started charging an unknown fee of {$17.00} each month. They indicated this would never happen. I have asked them about this and they have not replied. 
This last month, I noticed it was shown as a late fee, even though I wasn't late. I think this is illegal!

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson Capital Systems is a scam and is a company based in XXXX. They are trying to say I owe them {$410.00} for XXXX XXXX phone service - a company that Ive never dealt with. There are no stores by me and I have never even been in one. Im not sure how theyre doing this but the debt is not legit. All of the complaints say that they scam people in this way frequently. And their debts always have to do with cellphone service companies. Their sister company XXXX XXXX XXXX does the same thing. That is strange. The debt is ruining my credit and the company is not doing anything to remove it. This cant be legal ... can it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I have a collection account on my credit that has been re-aged. It is with Rent Debt. I sent for validation and they refuse to validate this account, This is an erroneous account and this agency is violating the law. This is an old account past the Statue of Limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 to XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
On XX/XX/2021 Capital One Accounts LLC report the amount of debt of {$250.00} as derogatory on my credit report. Capital One Accounts LLC has been harassing me through repeated phone calls to verify my correct identity in which I was not aware of the debt and my personal information was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Credence Resource Management is a scam business based in another country - not in XXXX like they advertise. They are reporting a debt from XXXX XXXX XXXX XXXX  for {$1300.00} and its ruining my credit. I havent been a customer of XXXX XXXX XXXX in almost 20 years. I tried working with them but they always say theyre transferring you to another department but the call never reaches the correct department. The representative always says that there is no one available to take your call. He/she says this every time. The debit is invalid and not mine but they just keep reporting it. Their sister company, XXXX XXXX XXXX, does the same thing except with XXXX XXXX. All of the reviews are horrendous and talk about how both companies frequently scam consumers using cellphone company debts. Please stop this. They are really doing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
and disputes, but am not succeeding in this process. 
Please help me in the matter. 
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 2021-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I had student loans through XXXX XXXX. They closed and the lawsuit states that I'm no longer responsible for these loans. I reconsolidated the loans through XXXX and they will not discharge them until the Department of Education tells them to. These are still showing on my credit report as me owing.

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 2021-06-03 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:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

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 2021-06-03 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
XXXX XXXX is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke andthey refused to honor the warranty for the defective merchandise. I returned the item to thestore to be fixed and they kept it. Now they are illegally re-aging the account trying to showthat the account is constantly 90 days late every month since then to hurt my credit eventhough this has charged off over almost 6 years ago. The credit report erroneously showsthat that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows thatthe account closed in XX/XX/XXXX. An account can not be closed and be late every monthand be charged off all at the same time. This account is hurting my ability to obtain fair andreasonable housing and I am seeking the advice of counsel and the fair housing authority. 

I have already submitted a complaint to the CFPB about this exact issue stated above and it was closed by the CFPB after La Curacao responded and denied that they were illegally re-aging the account. In their response they attached a XXXX  accounting report showing that the account was closed in XX/XX/XXXX. 

The reason why XXXX does not show any 90 day late payments or the account being derogatory is because the derogatory account is reported through XXXX  and NOT XXXX.I do not even have a XXXX score assigned to me from XXXX. I believe La Curacao is either intentionally or unintentionally trying to mislead the CFPB into thinking that the account is reported through XXXX and not XXXX by only providing information from a single bureau. The CFPB closed that complaint wrongfully without fully investigating what credit bureau it was coming from so I am creating a new complaint in hopes to get fair resolution to my issue. I am attaching an image of the derogatory account from a credit report that was pulled on my behalf. It quite clearly shows that the account was closed in XX/XX/XXXX. It also shows a list of all the 90 day late payments from XXXX which again is impossible if the account was closed as a charge-off in XX/XX/XXXX. It also quite clearly shows that XXXX  is the bureau responsible for reporting and NOT XXXX. This can be confirmed by XXXX  if need be. I hope this is thoroughly investigated by the CFPB this time around to resolve my blatantly obvious credit reporting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is the worst credit reporting agency that exists. They really need to be shut down. I have been trying for years and I can never contact Transunion to get any help at all! The only way I am able to monitor my transunion report is through 3rd parties such as XXXX XXXX. 
Transunion 's website does not work! It either never loads or you can't log in. So, I can't even help myself by using the website. Then I try to call them and I sit on hold for a long time only for the line to just hang up. 
Currently I am trying to dispute an inquiry and place a credit freeze on my account due to identity theft but I am unable to do either of those things because there is no way to reach someone on the phone or access my account online. I can't even get my free annual credit report because their website does not work! 

The biggest problem for me right now is to be able to freeze my credit and I need to be able to access it online so I can Unfreeze it at any time since I'm currently trying to get a mortgage. 

They should not be allowed to be a credit reporting agency, they have all of my information and can just put anything on there they want to and I can't do anything about it. They need a website that works, they need customer service to answer the phone to help people. This has been going on for years and I just gave up a long time ago. but now I really need access to my file immediately. 

Someone please 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 explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
I just contacted Equifax about inquiries that I reported as fraud and was told to send an FTC report. 
I sent a report via fax XX/XX/XXXX as I was directed to do so. I contacted Equifax to verify receipt which they said they had not on XX/XX/XXXX. I then sent a letter certified mail which they received XX/XX/XXXX. 

I person I spoke with stated that had not received either of the copies I sent out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/2021 at the approximate time of XXXX XXXX. I went inside the Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, Mississippi to pay the complete balance of a loan account, last four digits ending in XXXX. The teller, XXXX, name located on the receipt completed the transaction. I gave permission to her to take money from my checking account to pay off the loan. The loan balance was in the amount of {$2200.00}. Instead, she had taken the amount of {$2900.00} from my account and placed the payment on the loan amount. After the transaction was completed I left the bank. At the end of the day and after I completed a number of errands I noticed the amount on the receipt. The amount of {$2900.00} is the incorrect amount. The correct amount and the final settlement is {$2200.00} which is stated in a letter from the Wells Fargo Bank, dated XX/XX/2021. 
I contacted Wells Fargo Bank at XXXX XXXX, XX/XX/2021 until XXXX XXXX. talking to numerous tellers and representatives to correct the problem and return the over payment of {$750.00} to the checking account. A representative advised that it will take 45 days to return the funds to the account. 
Finally I requested to speak with a Compliance Officer at the bank and XXXX XXXX and a person by the name of XXXX XXXX XXXX - last name spelled the way that I heard it ) replied that they have an Escalation Department. 
I am in dire need of my funds. Please help me to have my funds returned to my checking account immediately. I have no income to pay utility bills, house payment, etc. basic essentials.

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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX I got an Email from AD ASTRA RECOVERY SERVICES saying that I owe them {$2400.00}. They said that they tried to get a hold of me on XX/XX/XXXX about this, but I never recieved a letter or a phone call. They wrote in the letter that to make this go away I need to either pay {$530.00} in full today or I need to do {$800.00} installment payments. They said I need to respond today or they will take legal action against me.that they will have a judge call my employer to doc my pay, ( I am a XXXX ) they will have the police show up at my home within 7-10 business days and serve me a summons if I don't pay today, they will sue me, and they will destroy my name and social. There was no number to call, I don't ever give a debt collector permission to use my email as a form of contacting me. They either call or send a letter. I don't know where the original debt came from. I did write a letter requesting all forms of proof of the debt through a letter. All my medical bills are paid, and all loans are caught up on. I have no idea what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
XX/XX/XXXX - First time I opened a ticket due to withdrawal functionality being XXXX when trying to withdraw {$10000.00}. I attempted to review the ticket through their ticketing system, but was unable to connect as every option and link was broken. 

XX/XX/XXXX - Again I try to withdraw the same funds and was met with the same rejected error. So I opened another ticket, as my first ticket was never resolved. I would also like to mention I never received any feedback, nor was provided any way to track updates or communicate with the support team. 

XX/XX/XXXX - After receiving no response I found publicly listed emails for Binance US employees on XXXX and decided to send a last effort plea for assistance. Still no response. 

XX/XX/XXXX - I deposited another {$2500.00} successfully, with the hope that based on the following support article, https : XXXX? XXXX & XXXX, that would unfreeze withdrawals on the account. Of course the funds were immediately accepted and processed, and of course the withdrawal function was not restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently sent THREE SEPERATE REQUESTS to Transunion in XXXX, XXXX and XXXX requesting to remove the information previously disputed. THIS IS NOW MY FOURTH REQUEST!!! 

1. The following personal information is incorrect I DO NOT WORK HERE REMOVE Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect- IVE NEVER LIVED HERE REMOVE Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. The following personal information is incorrect- I DO NOT WORK HERE REMOVE Employers : 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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
XX/XX/XXXX lost my account after my account was transferred to another servicer in XX/XX/2019. Cant provide XX/XX/20191098 form. Keep me on hold every time I call even when Im transferred to supervisor XXXX. Emails go in circles.

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