vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX I Disputed a collection account with all three bureaus to validate this company XXXX XXXX XXXX I've never did any business with this company that was placed for collection. Transunion did not do an investigation I wasn't even given a letter with my results I had to check online they only added a remark. XXXX how ever has gotten back to me and this company has been removed off my credit since then. Transunion on the other hand didn't fully investigate this shouldn't be on my credit I am demanding a reinvestigation and for this to be REMOVED 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 explanation
Consumer complaint received 2022-02-09 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: WA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

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 2022-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The end of XX/XX/2020 I was let go due to COVID from my employer. I immediately call Shell Point Mortgage which is now NewRez. Our mortgage was sole from XXXX and they did a loan modification and put us in a ridiculous mess. We are locked in a 40 Year Mortgage with hardly nothing going towards the principle. When XXXX XXXX obtained our loan th balance was {$140000.00}. XXXX XXXX years later our balance is {$150000.00} plus I paid two payments towards the Principle. Its just highway robbery but legal. Since, th take over we have never been late but in XXXX I called to let them know I may be a bit late because my employer was dragging their feet with my final check. I am not sure if the Rep. was New or just didnt care but she transferred us and we got disconnected but before she transferred she said someone would be in contact with me. We never heard from anyone so I paid XXXX on time and paid XXXX a few days later. To our dismay they reported us late after I called we were not interested in going intro forbearance just needed a bit more time after getting let go because of this pandemic. The mortgage company basically said they could not help us that the rep never notated the account. I was misguided in thinking that companies would not be reporting late if they were contacted because of their pandemic. Now, that rates are so low we want out of this shady deal but because we are showing late two times on our mortgage we cant do refinance with a lower percentage we want to go down to a 15 year loan to oay it off sooner. I am so distraught about losing my job and now this. I know co- workers who have gone a year without paying and their mortgage company isnt reporting them late because Of COVID. I really believe they dont want to help because they want us bound tI their unreasonable terms and conditions. Please if at all you would be able to help get that off our credit we could get into a new mortgage that would allow us to pay it off sooner and repair our credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received XXXX XXXX response. However the company misrepresents multiple facts 1. The claim decision was closed as the transactions were verified as authorized electronic payments. Communication regarding the claim findings was sent via mail on XX/XX/2022. 

Can you please specify which address you've sent you? I've called XXXX on XX/XX/XXXX to ask where I can send the police report. At that point, I was not informed a decision letter has been sent. 

2. I've requested a copy of the investigation results. However, I still haven't received anything as of today. 

3. I've asked XXXX to explain the details and the reasons for the decision. No detailed explanations were given as of today. Can you please provide your compelling evidence and provide detailed explanation of the decision? 

4. An formal arbitration has been filed with XXXX based on the user agreement. However I truly believe XXXX failed in its reasonable investigation. This issue is noting related to XXXX. The funds was withdraw with XXXX directly and XXXX is not the only bank linked to 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 2022-02-09 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: NJ

Complaint narrative:
XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX  bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from XXXX on a email address they had on file that was not mine. I never had another email with XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NJ

Complaint narrative:
XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XX/XX/XXXXI was denied information from XXXX on a email address they had on file that was not mine. I never had another email withXX/XX/XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope

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 2022-02-09 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am an identity theft victim.

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 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NH

Complaint narrative:
When I was pregnant, I had insurance from the state. They charged me fees that should have been included with the insurance that I had. This has been going on for years and I tried to explain that I do not owe and they insist on still charging me. I asked them about the debt and they sent it to an address that I did not live at anymore and they told me that it was sufficient enough. I told them that I haven't lived at the address for years. I also asked them if I could show the insurance dates because I had proof and they did not want to see it. So I am reaching out to you because I need help with this ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MS

Complaint narrative:
I have made repeated attempts over the last 6 months with Trans Union, XXXX, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has literially put some kind of rediculous hold on my funds of XXXX dollars for a week without reason or explaination. Along with that XXXX isnt doing anything as their banking customer to help come up with a solution. So between XXXX XXXX of dollar companies i have had no money available to me for over 6 days which literially immoral and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
Using Wise ( Transferwise ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my XXXX XXXX card. Normally, I transfer funds to XXXX from my XXXX XXXX  account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that XXXX charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party XXXX for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and XXXX ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but XXXX indicated they would credit my account for the fees. 

I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether XXXX decided on their own to modify the transaction in order to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address. 

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the last week, I have been unable to access the bill pay part of my account. I have tried to contact the bank through : Chat, email and phone. I have received no response to my chat messages nor the emails, and the wait time on the phone has exceeded two hours. I need to change/cancel my bill pay reoccurring payments.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello, I have made several attempts to verify debt on my current XXXX credit report by National Credit systems and they have continually been non responsive and have failed to provide verification of debt they are stating I owe. I have sent several letters to the creditor since XXXX and I have not received any response from none of the letters. I have also sent multiple communication to XXXX disputing the debt and it came back " verified '' according to XXXX but the creditor is refusing to send me written notification of the debt, verification that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MS

Complaint narrative:
Please see the attachment letter which ask you to validate bankruptcy record and supply proof of how it was verified. Please note that I have attached proof from the bankruptcy court which shows that they did not furnish this record nor did they verify it.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was a victim of several cases of identity theft now I can not open a bank account because I am part of the XXXX XXXX XXXX I need to get this matter resolved immediately it is affecting my business and financial life drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MI

Complaint narrative:
TRANSUNION XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
My landlord emailed me on XX/XX/XXXX and asked me about a check from XXXX that he believed was not deposited. I asked him to give me a few minutes to research it. I emailed him back and told him that I wrote the check on XX/XX/XXXX and that he deposited it on XX/XX/XXXX and if he needed proof to let me know. I never heard from him. On XX/XX/XXXX when I was checking my bank statement I saw that he cashed that check in the amount of {$1600.00}. I immediately tried to call him and it went to voicemail. I went back online and took screenshots and texted him to show that he already cashed that check. Still no response. I called my bank who researched the information and confirmed that this check was already cashed 2 years earlier but I needed to wait 2 business days to get my money back. How can a bank cash a check that is XXXX years old? My landlord knew this was cashed, I told him and I have the proof on email that I told him it was cashed yet he still cashed this check causing my account to go into default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 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: FB FINANCIAL CORPORATION
State: FL

Complaint narrative:
FirstBank mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
FirstBank failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, FirstBank had already submitted a negative report to the credit bureaus. This is not right. 

FirstBank failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, FirstBank 's incompetence, and continued indifference has resulted in a significant impact to our credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Received two notifications of hard inquiries for a credit card I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( Honda Motor Credit/American Honda Finance XXXX XXXX The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On the XXXX of XX/XX/2021 my employer XXXX XXXX XXXX XXXX XXXX contacted Netspend ( Skylight One ) Bank and had my account closed with {$15000.00} still in the account and prepaid card. When trying to contact the bank/company they could not enter into the account nor aid me with withdrawing the money my employer had deposited. After trying to contact my employer numerous times regarding the money still in my account they blocked my phone number and refuse to take any calls. The bank refuses to aid in any way to withdraw or transfer the money from that prepaid account onto a seperate bank account saying I need to contact my employer so they can allow the withdrawl or transfer. My prepaid card no longer works and I can no longer make purchases using the card or withdraw money from ATMs.

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 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with XXXX XXXX XXXX yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problems due to their illegal tactics. My request has gone ignored & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX.

Company response to consumer: Closed with explanation