vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is no third party involved. 

I, consumer, and natural man, was recently denied acquisition of reliable transportation by several companies due to the false statements and inaccurate and unverified information you are furnishing. 
You are reporting late payments on accounts that have NEVER been late! 
Pursuant to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This is for the XXXX ACCOUNT THAT IS CLOSED ENDING IN XXXX. 

How can I owe on a closed account? The account is closed, and you are inaccurately reporting open balance. Please remove this at ONCE. 

you conducted a investigation? you have a witness with a statement notarized? Prove to me you are not using an automated system. If you cant prove it, it needs to be cleared. This is inconspicuous information

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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I believe it was XX/XX/2022 when I bought some items ( dinnerware ) from a company called XXXX. My transaction was for {$110.00}, which included Sales tax in WA ( pay in 4 ).

After I completed the transaction, I didn't receive any confirmation ( email ) so I just wanted to check this company out and found many fraud claims on it, enabled by PayPal negligence. I called XXXX to ask about the company. They confirmed that there was no relation and it was a fraud. I checked if the payment had gone through and the first payment had. It was odd because payment was made not to a company but to an individual ( XXXX XXXX ). I lodged a complaint with PayPal, requested that they cancel the transaction and stop any payments. They reassured me that I was covered by the 100 % guarantee. 

The next day, I received an email from PayPal saying the seller had made good on the transaction and gave me proof of the delivery with a tracking number. The package was supposedly delivered on the XXXX. As the tracking number details aren't available online, I went to the USPS to verify. An " item '' was delivered, but it was sent to another address ( same city, but not my address ). The USPS supervisor showed me a print out to prove where it was sent. She told me I should complain to the USPS Investigation Services as it is a common occurrence. 

So PayPal paid on the basis of evidence of a tracking number over my protestations. I have offered to give them proof of it as well. They reassured me over the course of my 12 or so phone calls that I will be refunded. I was told not to cancel my credit card where PayPal payments are attached to as it may complicate their investigative procedures. This happened all the way to the day before my last payment.

1 ) So they have enabled someone in committing fraud using my credit card.

2 ) they enable individuals to defraud states of their sales taxes, that were paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: AL

Complaint narrative:
Global Lending Services is advertising on their website that customers can make a due date change to their lease at anytime, but when you call in and make the change their stating that you have to do it two weeks prior to your due date coming up and have to pay the amount. It is frustrating because they are providing different information then whats on their website. They didnt provide me with a full contract of what my lease states and There isnt even a way to see your contract on the website. 

No one should have to go through this. Hey provide accurate information on your site so that we dont look or feel XXXX when we call in. 

Then the XXXX XXXX laughed on the phone as if it was funny to be advertising something that isnt accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, XXXX, Experian, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted Wells Fargo mortgage on XX/XX/XXXX regarding my existing loan modification loan regarding the maturity date of XX/XX/2052 with XXXX payments remaining. I have been paying on this loan since XX/XX/2013 so it doesn't make sense to me that I still have 30 years left on this loan. Plus I found out that 73 % of my payments go to interest! The math doesn't add up to me and I would like this explained to me. One of their reps promised he would call me back but never did. I feel like I am getting the run around and no one wants to help me. He was going to transfer me to their home preservation department but they refused to take my call. I just want to make sure I am not over paying on my mortgage and that I have the correct amount of terms left. I had to stay on top of getting this loan modification since it took 2 years to approve. During that process they assigned me to numerous reps and then said I missed deadlines and had me start the whole process all over again. Also while going thru this process they would send me monthly foreclosure notices. It was a very stressful time for 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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX bank acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-05 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened up my Apple Card by Goldman Sachs in XXXX of XXXX. I maintained an exceptional payment history never missing a payment. This is during the XXXX coronavirus COVID pandemic. Around XXXX of XXXX my business started to Suffer and I struggled with payments. In XX/XX/XXXX I paid down the complete balance of my Apple Card by Goldman Sachs to zero balance. 
I was then told by Apple Card GS that my account was closed. Saddened by this I was informed to reapply. Relieved that at least I paid off the card with XXXX balance I went about building my business. Since the card is closed I no longer received notifications, alerts or had access to login On XX/XX/XXXX I get an alert from credit bureau saying I'm pass due on my Apple Card by Goldman Sachs. And that my credit score has dropped by XXXX points. This is especially disheartening because I'm in process of purchasing my first home. I call Apple Card Goldman Sachs and was informed yes you paid your balance to zero and and account was closed so there was no way to inform me of a {$100.00} interest payment. If there was an interest payment of {$100.00} why not alert me since I am no longer a customer of Apple Card Goldman Sachs? I was told there was no attempt to alert me instead they just reported incorrectly to credit bureaus. They agreed this was in error but now I will lose my home because of Apple Card Goldman Sachs rush to report to credit agencies instead of calling or trying to resolve. I feel this is negligent practicing. Americans credit is very valuable and in this current climate of COVID it's hard enough to keep our families feed and business open. I feel an error like this could really ruin a lot of things for a customer that maybe already struggling to stay afloat. I was told that APPLE CARD GOLDMAN SACHS would escalate this matter but time is not my friend since I am in process of buying a house. I need them to fix this error asap and consider a different approach when reporting and dealing with communicating with customer past/presen Desired Outcome/Settlement Desired Settlement : Correction to a credit report None Provided Complaint Details Nature of Complaint : Billing or Collection Issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LCS FINANCIAL SERVICES CORPORATION
State: NV

Complaint narrative:
I reached out to tXXXX XXXX XXXX to submit a request for debt validation because, I never got any letter. They claim over and over that I got it, or they sent stuff. Regardless they responded as seen below on XX/XX/2022 that they will send the letter. 


" XX/XX/2022... we are treating this complaint as a request for validation and will send documentation to her '' On XX/XX/2022 just a few days later they called about the debt again ( home/cell ) first they asked me to ensure I answer calls when they call ( i work, i cant answer evry single time they call, but i ALWAYS call back when i can ) second they said they had no idea they were asked to send validation and will send it now. 

To my understanding, they arent supposed to contact me to collect a debt until i have validation, i asked for it, and they continued to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis, XXXX, XXXX, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
3 Month ago, I discovered some things on my Credit report that was old, outdated and inaccurate information. I've sent several letters via Mail with proof of residents and Drivers License attached asking to remove Old, Outdated and Inaccurate Names and Addresses from my credit report. Experian and XXXX has Failed to take action on my requests.

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 2022-05-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I checked my credit report and noticed inquires from companies that I Have no clue who they are nor did I apply for credit with that institution. I reached out to all 3 credit reporting agencies and disputed them. they said they were accurate which is false I have sense locked all 3 bureaus

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 2022-05-05 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: TX

Complaint narrative:
I have several rental properties. XXXX with XXXX  XXXX  both are conventional loans I also have one conventional loan also with XXXX  XXXX. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, XXXX did not report the same as XXXX  XXXX  on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from XXXX was not reflecting as XXXX reported my XXXX mortgages. XXXX said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX  did. I didnt even ask them if they were offering but when I asked XXXX they said they dont offer rate and term adjustments.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XX/XX/2022 a person stole my mail from my mailbox. In the mail was a check from XXXX  to me. I know the check was in the mailbox because the XXXX send me an email everyday with the mail I am supposed to receive. The check was then cashed on XXXX XX/XX/2022 at a Wells Fargo Branch. The check was stolen, forged, and converted. That the thief was not entitled to enforce the check or receive payment and that Wells Fargo handled the check after the forgery without verifying the signature or confirming the identity of the person they paid. I filed a police report with the XXXX, Tx policy dept ( Case # XXXX ). The XXXX Police Dept subpeona Wells Fargo for information, but closed the case when XXXX  told them that they did not have video of the person cashing the check. XXXX refuses to reimburse my money to me, saying they are only allowed to talk to the XXXX Police. 

I am getting screwed! Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have checking and saving accounts with CitiBank for years. I used this account for fund transfer for payment from XXXX XXXX. XX/XX/XXXX, my account was frozen for unknown reason. There was no explanation. I went to a branch to complain. the bank manager worked very hard to call whatever department in the bank to get explanation and address for contacts to retrieve the fund. I had my lawyer written two letters between XXXX and XXXX as there was no response from the contacts. Between XX/XX/XXXX to early XXXX, XXXX, the account was reopen. It was my mistake not to withdraw and close the account due to my trust of the bank. Then I received a letter from Citibank dated XX/XX/XXXX, stating that this is the final Checking Account statement, my Checking Account is now closed. There is no explanation why the account was closed. Where is the total fund of {$17000.00}? Who withdrew this total amount? 
I called the number listed on the letter on XX/XX/XXXX, the response is that a check with my total fund would be mailed to me. I received no response. On XXXX XXXX, I called, the Debit card No. and PIN are not recognized by the system. I wrote a letter to the listed address, demanding refund. So far, there is no response from Citibank.N.A. 
I received a certified mail from the Attorney General of Washington dated XX/XX/XXXX, RE : Order issuing Process for XXXX of $ $ $ $ $ $ $ in Citibank , N.A . Account Ending in # # # # ( my account number. ) XXXX XXXX XXXX XXXX WAshington has ordered the XXXX by the State of WAshington of certain proceeds in the Citibank , N.A . account listed above, as money traceable to or derived from fraudulent claims for unemployment benfits... The seized amount is different than the fund that Citibank had grabbed from me! 
The Citibank has stolen my fund and closed my account. The Citibank has stolen my Identity card for fraudulent use to scam for unemployment benefits. It is criminal acts. I deserve justice and get my money back and at the same time, my name and identity should be cleared. I want this CFPB to take action, this bank needs investigation or closure to protect consumers.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied the AMEX XXXX  XXXX  in XX/XX/2022 with XXXX welcome bonus points. After I met the spending requirement, the company only put XXXX bonus points in my account. I called on XX/XX/2022 and created a case and submitted proper evidence. No one followed up with me and I called back on XX/XX/2022 and speak with agent XXXX ( XXXX ) at XXXX XXXX XXXX. She told me the case was closed on XX/XX/2022. She says there is nothing she can do. This is misleading advertisement. I applied the credit card because they have the highest bonus points but American Express did not fulfilled the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NY

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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