vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: VA

Complaint narrative:
I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from XXXX XXXX for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on 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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I can't speak as to when the issues started, but I began receiving multiple calls from a Midland Credit Management. They have been calling every day, sometimes multiple times in a day. This company has also contacted at least two of my family members, both of which have no ties to any potential debt that may be in my name. 

They have been advised to stop calling but all parties and I have yet to receive any documentation that allows me to dispute whatever the debt is that they're trying to collect. They refuse to confirm any information when asked as I don't feel comfortable giving them my information without knowing the circumstances behind their calls. 

I have tried blocking the numbers that they are calling me from as well, but then they call from a different number to get around it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They have revered a dispute with taking an amount twice and have approved it to be back into my account and its been two weeks and my account has over drawn they have changed my claims where I cant receive my temporary credit until the investigation is happening this against all banking regulations and police and I feel discriminated

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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX My Business, my Trust Account and my personal account were hacked. on XX/XX/XXXX I called Wells Fargo to let them know about the problem they filed several claims and gave me the numbers to follow up on them. At that point intime I asked them to stop any payments to any body. On XXXX XXXX my account were hacked one more time, seven charges were made to the business account. it was until XX/XX/XXXX when I realized that more charges have been done despite the fact that I have instructed Wells Fargo not to pay anything. Wells Fargo gave me credit for five charges, but refuses to give me credit for two charges in the amount of {$2000.00} plus {$1000.00} total of {$3000.00}, they sent me a letter indicating that I should have made my claim no later than the 2nd day after the transaction ocurred. 
Wells Fargo also paid a Check Number XXXX {$1000.00} such check is not from my Business Account it belongs to someone else and It does not have my Business Acccount Number, despite that fact they paid 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The account held by this collection agency is from XXXX. I have contacted XXXX they let me know no balance was due on my end with them. That I needed to contact Collection agency I contacted the collection agency and they have been unable to help me find a solution there only solution is for me to pay the debt. I have explained several times XXXX stated I don't owe. I had sprint more than 5 years ago so regardless this account is passed the Statues of Limitation of California. Also the account number is listed as follows XXXX they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a bankruptcy XXXX  XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from Comenity Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Unfortunately and unexpectedly, CFPB covered up unfair practices by Marcus Goldman Sachs one sided and unfairly closed my complaint against Marcus Goldman Sachs at their request without waiting for my rebuttal against their untrue response. I am requesting a help of getting the monthly financial statements that can show that Marcus 's authorities lied and Marcus account was linked to XXXX account. I am requesting a reasonable accommodation to help me to obtain the monthly financial statements because Marcus keep my account restricted or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened my savings account with Wells Fargo in XXXX and have used it since. I moved to XXXX in XXXX, but left the account open to use on my trips to the US, with the intention to have it for when we retire and come back to the US. On XX/XX/XXXX I went into a Wells Fargo branch to make a deposit. They informed me that the account was due to be closed, since I have a foreign address. Since I have a permanent address in the US, this should have been easy, but they would not let me change the address. Finally on XX/XX/XXXX I updated my account with my US address. I call their Customer Service to make sure that the account was now fine and that it would not be closed. Shortly afterwards we received a letter asking for a W-8BEN, since my husband is a foreign national. We filled this in and sent it back the end of XXXX. Wtihout notification they closed out account on XX/XX/XXXX. This has caused us major problems, with my husband due to retire in the near future, since we need an account to prepare for our move back. I registered a complaint with Wells Fargo on XX/XX/XXXX. The case no. is XXXX. They said they needed approx. 12 working days to respond. I have not heard anything back from then. On XX/XX/XXXX Wells Fargo wrote again requesting for the Form W-8BEN even though they closed out the account.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
I contacted Texas Lending via their website to request their advertised Mortgage Pre-Qualification that they advertised as a soft credit pull that would not affect your score. The next day I got a credit alert that a hard credit pull had occurred, and it reduced my credit score. I investigated and found out that Texas Lending had done a hard credit pull without my consent. I tried several times to contact the agent who pulled my score, and she failed to respond. I finally was able to get a hold of her today, and she said that there was nothing she could do about it. 

The contact info for the agent is XXXX XXXX Mortgage Consultant XXXX Office : ( XXXX ) XXXX NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/2022, I ordered model XXXX XXXX  from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} using my Discover Card. In XX/XX/2022, I received the item but the item was damaged and in XXXX package, not in XXXX XXXX packaging. I notified both the seller and Discover Card. The seller told me I had no right to contact my Discover Card company. I stated that I needed to inform discover because they paid for a damaged item. The seller refused to discuss the problem with me and contacted the Discover card company directly. 

Initially, Discover gave me credit for the full amount. Then a month letter they sent me a letter which states that transaction is valid, and took away the credit that they gave me. 

I called and informed them again the product was damaged and in the wrong box. I asked them, what they want me to do next. They told me send the item to seller. I sent the item to the seller by US Postal services. After the item was delivered I sent Discover the tracking number which shows the item was received by the seller. Discover asked for a written confirmation from the seller. I sent an email to seller to confirm that they received the item. The seller sent an email indicating that they received the item. I sent this information to Discover but discover said that they already closed the account and can not do anything. 

More than 60 days have passed, my credit card still has not been credited for the damaged article that was returned, in spite of the fact I have forwarded them receipts of the returned product. So my credit score dropped from XXXX to XXXX. 

I would like my credit card credited for the purchase of the damage product that I proved was returned. Additionally, I would like negative impact on my credit rating corrected. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our loan is with PHH Mortgage XXXX ( formerly Ocwen ). 
Back in 2012, we got behind on our mortgage but we were able to do a modification and have been current ever since. 
As a result of the modification, there was a balloon payment tacked on to the end of the mortgage. 
Our intention is to pay off the mortgage ( we are actually including additional principle payments each month ) so we can stay here the rest of our lives. I am XXXX and my husband is XXXX. 
We want to start making payments against the balloon payment so that we are not faced with refinancing when the primary mortgage is paid off ( in 9 years ) or in the position of facing foreclosure because we can't get financing at our respective ages. 
I asked PHH if we could do this and they said, '' No. '' Why? Because " they are not set up to do that. '' This seems like a perfectly reasonable ask. And I don't see a downside for PHH because they would be getting their money sooner than expected. ( All of which I pointed out to their representative. ) The only downside I can see for PHH is that it would take away their ability to grab the house if we can't get it refinanced or have {$120000.00} ON HAND to pay off the balloon. 
Obviously I am very concerned about this and would appreciate any help you can give us to get PHH to accept payments against the balloon payment. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief