vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with Transunion and on XXXX. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX financial could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on Transunion and on XXXX  based on me trying to resolve this account with no answers directly from the company.

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with XXXX  and on Equifax. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX  XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX XXXX  could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on XXXX  and on Equifax based on me trying to resolve this account with no answers directly from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK

Complaint narrative:
I use XXXX XXXX XXXX ( XXXX by East West Bank ) . 

I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. Both the payee and the payers XXXX XXXX account were frozen {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

So far, 8 months have passed and the remittance status has not yet been confirmed. 

I have complained about this issue on consumerfinance.gov last month ( see the attachment ), but bank still tell me wait. 

I have been waiting for the bill confirmation for 8 months, but I still haven't waited. 

Bank have never told me the exact confirmation time. 

I really have no patience to continue waiting. 

I hope the company can help me solve this problem, otherwise I can only complain over and over again.

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 2021-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was ill XXXX symptoms XX/XX/2021. A bit recovered within last two days, I noticed, cyber hacking of home central devices, Missing electronic such as laptop, my accounts had been compromised, I immediately contacted my bank to reduce further loss, reported this to local then to federal cyber and identity crime enforcement. I provided the Merchant that I could reach and my bank with transactions and detailed affadavit and report number. I advised the funds of the account was federal issued fumds for self support, and it is crucial to the quality of life under such circumstances that I can remain healthy to the affordable care in which the Veterans benefits provide. This is the second amount in such circumstances involving Branch and XXXX which a foreign entity I reported here after not receiving a fair disposition of credit that will cause me to suffer for security failures and what's legally the duty of the Merchant to assure the extra measures are in place for transactions it allo to happen on. its platform with out the physical card for inspection and fraud prevention. Although the investigation is ongoing it remains unresolved with funds not yet being submitted as only a temporary necessity.

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 2021-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RMS-Recovery Management Services, Inc.
State: NV

Complaint narrative:
RMS DID NOT contact me about collecting a debt. RMS NEVER contacted me at any point in time to identify THEIR COMPANY as a company and to confirm if this debt is mine via phone call/voicemail, email, or mail nor have you sent me a debt contract in the mail. I found out about this debt by an alert of a negative impact on my CREDIT REPORT. 

How can RMS report a debt on my credit report without contacting me to verify that the debt is MINE AND VALID. 

I made FIRST PARTY CONTACT to RMS on Friday, XXXX XXXX, XXXX by calling the number on my credit report to dispute the Negative Report. 

The debt is in fact INVALID due to it being a STUDENT LOAN where as of XX/XX/XXXX, student loan payments have been SUSPENDED until XX/XX/XXXX via the CARES Act. 

I DISPUTE THIS REPORT AND DEMAND THIS NEGATIVE REPORT BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS ILLEGAL VIA THE CARES ACT. 

I WILL ALSO REPORT RMS COMPANY TO THE XX/XX/XXXXXXXX XXXX AND FEDERAL TRADE COMMISSION AS RMS IS COMMITTING ILLEGAL PRACTICES SUCH AS : 1 ) THE FTC STATES IN SECTION 806. HARASSMENT OR ABUSE, ( 6 ) " THE PLACEMENT OF TELEPHONE CALLS WITHOUT MEANINGFUL DISCLOSURE OF THE CALLER 'S IDENTITY SECTION 807. FALSE OR MISLEADING REPRESENTATIONS, ( 10 ) " THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT OR COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER '' Account Representative XXXX XXXX of RMS collection agency refused to tell me any information regarding my debt and deceptively told me that I must release information regarding my BANK ACCOUNT, CREDIT CARD BALANCE, RENT PAYMENT AMOUNT, UTILITY BILL AMOUNT, CELL PHONE BILL AMOUNT, CAR PAYMENT, CAR YEAR/MAKE/MODEL, PREVIOUS EMPLOYER/ANNUAL SALARY, PREVIOUS EMPLOYER PHONE NUMBER, UNEMPLOYMENT BENEFITS, AND MARITAL STATUS, in order to receive information regarding the ILLEGAL AMOUNT OWED. When I REFUSED to provide information mentioned above, XXXX XXXX stated that I must provide ALL information to move forward. XXXX XXXX also did not disclose to me over the phone my rights to DISPUTING the debt. XXXX XXXX also made false claims of how the account will be switched over to another DEPARTMENT/AGENCY IF I DID NOT SET UP A PAYMENT PLAN BY XXXX ON FRIDAY, XX/XX/XXXX ( THE INITIAL DATE I CALLED ).

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 2021-01-18 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: FL

Complaint narrative:
I am hiring a lawyer to sue Experian because the CFPB is responsible for protecting consumers rights, I have sent over 10 disputes via the CFPB to Experian for the account " XXXX XXXX XXXX ''. 

The CFPB has allowed Experian to violate my rights as a Consumer month after month in regards to Section 609 of the Fair Credit Reporting Act. I sent a dispute last month that contained new documentation including a police report, an FTC identity theft report, and a 609 letter. 

They are reporting the account as " late '', " paid '', and " charge-off '' which we know is virtually impossible for all three to occur simultaneously. How can I have a paid as agreed checking account, showing on my credit as a charge-off account, that is showing late 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 explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2014 I applied at XXXX XXXX TARGET for TARGET RED CARD. I never received the card in the mail and since I do not have the card number i have been unable to pay the one time charge of XXXX some odd dollars for the last just over 6 years. I just want to pay my bill and have that 6 years of delinquent payments removed from my credit score. It was at no fault of my own. I have made multiple attempts over the years to reach the TARGET RED CARD distributor and I've just about had it with their shenanigans. 
My name is XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX All I have is the last four digits of my account number provided on the receipt given upon opening the account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
COMPLAINT AGAINST XXXX XXXX AND SPECIALIZED LOAN SERVICES ( SLS ) Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX) to 480 months ( that is Loan Maturity onXX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; SLS introduced a fraudulent fictitious balloon amount of {$380000.00}. 
1.XXXX  XXXX and SLS should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for XXXX XXXX and SLS to state the maturity date asXX/XX/XXXX. This date is a strange introduction and has no basis. XXXX XXXX and SLS should harmonize the maturity date of XXXX and amortization period of 480 months. 

2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from SLS. They were imposed on me by XXXX XXXX as Servicer. XXXX XXXX manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 

3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to white cronies. 

4. Minority interests and XXXX people should also be considered and not serially and continuously abused. 

cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; XXXX XXXX ( NY )

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 2021-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: OR

Complaint narrative:
I have Been using Cashapp for some time now. Just recently, while i was out of town, I transferred my unemployment money from my bank to cash app because i couldnt find my bank card. After about of week of having money in my account, i try to go and use my cashapp and my account is randomly closed. I try to contact support and all they tellbme is that I violated their TOS and they have the right to reserve and hold my funds. Its been a week now and Ive tried to get in touch with their customer service to try understand why my account closed and why cant transfer they money from my account. Most of all, i want to know what caused them to close my account because i dont understand how a {$28.00} transaction at XXXX or a XXXX XXXX XXXX ride could set cashapp off to thinking Im trying to commit fraud in my own account. Nobody will answer me, There is no phone number to contact a real person. I have XXXX dollars just sitting in cashapp with no way to retrieve. I really need help in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
COMPLAINT AGAINST WELLS FARGO AND XXXX XXXX XXXX XXXX XXXX XXXX Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX ) to 480 months ( that is Loan Maturity on XX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; XXXX introduced a fraudulent fictitious balloon amount of {$380000.00}. 1.Wells Fargo and XXXX should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for Wells Fargo and XXXX to state the maturity date as XX/XX/XXXX. This date is a strange introduction and has no basis. Wells Fargo and XXXX should harmonize the maturity date of XXXX and amortization period of 480 months. 2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from XXXX. They were imposed on me by Wells Fargo as Servicer. Wells Fargo manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to XX/XX/XXXX. 4. Minority interests and XXXX people should also be considered and not serially and continuously abused. cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; Senator XXXX ( NY )

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