vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: MO

Complaint narrative:
On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year XXXX XXXX  has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through XXXX appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, Transunion, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the 30 day late for XXXX of XXXX was not corrected and that it was in fact verified with XXXX. Confused, we contacted XXXX and we were connected with an escalation specialist XXXX XXXX I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from XXXX and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with Transunion Credit Reporting app and I was able to upload the documents provided to me by XXXX verification that the XX/XX/XXXX payment was NOT 30 days late and they would correct per their investigation. We were correct. XXXX was reporting in ERROR! Today I received the results of the additional dispute and the 30 day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with XXXX and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from XXXX. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.

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 2020-12-10 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: Penn Credit Corporation
State: AL

Complaint narrative:
First, I have no idea who this company is. I have never heard of them. I have never received any documents from them. I disputed this account on my credit report requesting documents for validation and verification. I did not receive ANY documents or any information from this company validating this debt or verifying any of the reporting information. Yet, the company verified the account as accurate with XXXX. However, the information being reported to XXXX  has violations according to the Fair Credit Reporting Act. 1. There is no payment history being reported. 2.The open date is reporting as XX/XX/XXXX, but 3. The date of first delinquency is reporting as XX/XX/XXXX. So how can the date of first delinquency be before the account open date??? This is impossible and obviously incorrect. 4. The company has not provided the original contract with my signature that proves I owe this after this information was requested. 5. The company has not provided an agreement between its company and the original creditor that proves that this company is legally able to collect this debt 6. The company has not provided documentation that proves that is is legally registered and licensed in my state of Alabama to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, I got a VA secured mortgage with BB & T in XXXX, NC. They told me that I qualified for a free XXXX XXXX XXXX account because I had a mortgage with them. In XX/XX/XXXX, BB & T started charging me {$30.00} " maintenance fee '' and a {$5.00} " return statement '' fee. I never got the statement but they a {$5.00} return statement fee. I was never informed of these fees or of the change in XX/XX/XXXX. These fees total {$1400.00}. I requested from BB & T for a refund of {$1400.00} but only got an offer for {$75.00}.

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 2020-12-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: U.S. BANCORP
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXXXXXX i notice some unusual transactions so i immediately call bank of america to find out what is going on and where is my money. i was told that due to a system glitch and just to wait. i file a claim on the XXXX my claim was close due to my account being one of the thousands that accounts were frozen. i call edd and they said my account was good it wasnt fraud and that it was bank of america. so i call bank of america and waited hours and getting hung up on finally got through to someone and was told claim was automatic close due to my account being frozen. so i explain to the lady that XX/XX/XXXXtold me my account isnt fraud. we argue back and forth so she transfer me to a supervisor and i ended up waiting over an hour just to find out the superviosr was in a different department and couldnt even help me except told me he will put in a complaint on my behalf. so i call bank of america back everyday to check my claims and was told all these lies and gave me the run around. all the employees gave me attitudes and talk to me like i was XXXX. i just want my money and im behind on my bills. today is XXXX the XXXX and nothing is resolved. i dont know what to do at this point. please help me get my money back. my dad just pass away XXXX XXXX i just need my money back.

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 2020-12-10 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: MA

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-10 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: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
I filed a dispute in regard to the incorrect item on my credit report its been Well pass 30 days and I have not received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, HARRIS & HARRIS , LTD add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA HARRIS & HARRIS , LTD has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: MA

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-10 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: MA

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
My husband died XX/XX/2020. Lost a great amount of monthly income, approx {$4000.00}. XXXX XXXX XXXX with current " mortgagee ''. This company is in a " TRUST '', only modifications, no refi 's. Company is Select Portfolio Servicing. All docs were submitted via email attachments on timely basis ( dated ). On 1 document I received ( XXXX ) states my SS $ was HIGHER than direct deposit. I called, was advised once ALL payments made, a review of account AND income would be made. Loan mod proceeded with TEMPORARY monthly amount as I was advised. NO missed payments. Payments were entered ahead of schedule with confirm #. Upon completion of TEMPORARY payments, received NEW agreement with SAME AMOUNT DUE AS TEMP. No changes. One Rep told me the TEMP IS the NEW monthly amount. Numerous calls made ( documented-CSR name/EXT./time of call ) as to WHY an added 125 % onto my income? Had my Attorney ( paid him {$350.00} for 1 phone call to SPS Acct. Rep/no info ) SHE had NO answer. Finally got answer from another CSR. ALL clients are subject to this 125 % tacked onto GROSS income. This is fraud, in my opinion, as I do not make that amount of money. They are attempting to obtain more money from me. I DID NOT sign papers, received numerous calls after stating I was not accepting why docs NOT received. I am back on monthly auto draft with higher monthly amount. I feel I was not treated respectfully, especially by my Account Rep. Most of the CSR 's tried to help, but they had no answer. How do I proceed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I contacted cashapp 5 times and all they asked was to ask the person for my money back. The person clearly had scammed me for my money and was unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to Experian, XX/XX/XXXXandXX/XX/XXXX and I never received a response from them.

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 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX Wells Fargo closed an account I had opened with them on behalf of my father using my power of attorney. They had allowed me to open the account and I had deposited into the account money from the sale of his property. I had used that money then to pay off some of his debts. A few months later Wells Fargo informed me that I didn't have the proper power of attorney to open the account and told me I had to go to a branch and close it. I went to my local branch and they issued me a Cashiers ' check for {$8500.00}. When I asked them when the check would expire they told me that it would not expire. For various reasons I let the check sit. 

Two weeks ago I went again and opened another account for my dad using my Power of Attorney. This time I was told I had all the proper paperwork and the account was opened. I deposited the cashier 's check into the account after the banker assured me I would have access to the funds. At no time did the banker helping me tell me this would be an issue. A few days later I log in and find out that the check had been deducted from the account. After several phone calls from me to them with no follow up from Wells Fargo I was told by Wells Fargo that my check had been sent to the State of Pennsylvania as unclaimed property in XXXX of XXXX. At no point in time did anyone inform me that this action would take place, nor did they send anything to my father because he also has my address. Now when I went to start my unclaimed property check with the state of pa, I found that they have no record of this being sent to them by Wells Fargo. The complaint department at Wells Fargo told me they couldn't at this time provide me of evidence that they had sent the money to the state. So as it stands right now my family has been robbed of {$8500.00}.

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 2020-12-10 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: TX

Complaint narrative:
Experian has 14 late accounts on my credit report which is not true. All of my accounts was paid as agreed until I filed for bankruptcy. Please remove late incorrect information off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
dispute this account multiple times via certified mail, XXXX  & Transunion showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.

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 2020-12-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
dispute this account multiple times via certified mail, Equifax & XXXX  showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was called by capital one asking if I opened up a card at cabellas. I had not applied. They had tried to open online and send it Oregon. They had my SS name and phone number. 
Card was denied. 
But Im reporting this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
On Saturday, XX/XX/XXXX, I discovered that a check I had written to XXXX XXXX ( Ck XXXX dated XX/XX/2020 in the amount of {$1700.00} ) had cleared my Iberia bank checking account the day before, Friday, XX/XX/XXXX. 

Mr XXXX never received the check, and someone else cashed it. ( The endorsement showed only an initial, so I assume it was deposited directly into the thief 's bank account. ) I immediately notified Iberia Bank. 

The following Monday, someone from the XXXX branch of Iberia ( where I bank ) called and I confirmed that the check had been stolen. She requested that I come to the bank and sign a formal complaint stating that I would prosecute the thief. I did. I also asked to be notified of the bank 's findings. 

The next day, she called and said the bank had deposited {$1700.00} back into my account, but she was unable, or unwilling to give me any further information. 

She also advised me that the bank has no fraud investigation department, so there is no way to find out what happened. ( Mr. XXXX needs to know if someone is tampering with his mail, and I need to know who to prosecute. ) This is a serious federal offense, and surely the feds need to take action against the thief.

Please let me know how to proceed. In my opinion, Iberia had no business cashing this check without securing proper identification.

What is my next step?

Company response to consumer: Closed with explanation