vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: IL

Complaint narrative:
On XXXX Transunion received my dispute letter and it shows it was delivered certified on XX/XX/2020. My tracking number was XXXX. 

XXXX I called to Transunion and they could not locate my dispute letter that was delivered on XX/XX/2020. I spoke to several people and to try to get my inaccurate information removed. I also mentioned to them I can not get refunded for my certified mail due it showed delivered to Transunion. 

XXXX I called Transunion again because my inaccurate information is still showing on there credit report. I spoke to 3 people and was left on hold numerous of times. They refuse to remove the inaccurate information on my credit profile.

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 2020-10-22 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:
On XX/XX/XXXX, I sent a dispute letter to the Credit Berueas disputing a fraudulent account with XXXX XXXX   and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX. 

I also sent a police report as documentation to support that the account was fraudulently created after my wallet was stolen. I requested documentation from the Credit Berueas that verifies the fraudulent account with XXXX XXXX  and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The account in question in discussion is TD Bank N.A. Account # XXXX the issue at hand is a late in XXXX 2020, Back in XXXX 2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at TD Bank N.A. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried numerous times to access the Equifax online system to unfreeze my credit so I can apply for a mortgage. Starting on XX/XX/ 2020. Their system said my password was wrong, but did not offer me the " Forgot Password '' option to recover and make a new password. The system locked me out. 

I then called their customer care numbers ( that's joke! ) twice and was asked a number of security questions, which I obviously did not answer correctly according to them ( their answers are not correct! ). They said I would have to fax my information to Equifax to get my credit unfrozen. Both people gave me completely different information about what was needed on the fax. I faxed my information on XXXX XXXX, 2020 requesting immediate unfreezing of my information. 

On XX/XX/XXXX, I am still locked out, when I call their " customer care '' numbers, after going through a series of questions to provide information, the recording tells me if can't identify me and hangs up. I sent another fax today to a different number. Haven't heard from them and my status hasn't changed. 

I can't get to a live person to talk to. At the other credit bureaus, I was able to change my freeze easily. 

Meanwhile, I can't apply for a mortgage, and time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent charges were placed with My BestBuy credit card ending in XXXX. This is the second consecutive month fraudulent charges were placed on card. The card has a XXXX  balance. 

Called company last month, reported incident, requested account closure and requested that no replacement card be mailed. I received replacement card, called BestBuy and they now claim their systems are down. I have had two disconnected calls. 

I have the card in my possession and have never activated card. What prompted this was an email I received from BestBuy/Citi stating my payment was due alert. I want the account closed and all charges waived. The charges are for {$140.00} due on XX/XX/20. 

I am a XXXX citizen and can not resolve this on-going problem. Please help 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 monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ

Complaint narrative:
NCTUE was contacted three times via US Mail on or around XXXX 2020 regarding my yearly consumer disclosure. Not once have they responded to me. This is my final attempt to request my yearly disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
This is a continuation of Complaint/case number XXXX. 

In the response from Discover on XXXX XXXX, 2020, they claim that the transaction was resolved and that a credit was posted to my account. To refresh you, I was trying to receive a refund for a cruise trip that was cancelled by the cruise line. The cruise line was violating the federal law and merchant agreement by not promptly returning the money I paid. 

In Discover 's letter, they claim that the refund was posted to my account. However, since the letter was written, Discover reposted the charge of {$4100.00} back on my account. When I called them about it, the claim that I am not due a refund and can not find the refund that was sent from the merchant, even though I have faxed to them paperwork from the merchant with the refund transaction information. 

I have made several calls to the individual who signed the XX/XX/XXXX letter, however, their voice mail box is always full and messages left in the generic voice mail box have not been returned even though they state that they will do so within one business day. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
The account in question in discussion is Ford Motor Credit Account # XXXX the issue at hand is a late in XXXX 2020, in XX/XX/2020 I got sick with XXXX I tried calling to defer the payment and could not reach anybody at Ford Motor. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 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: NY

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I initiated a transfer using Xoom a XXXX service, of {$5000.00} ( usd ) from my XXXX XXXX account to my XXXX account at XXXX  XXXX XXXX. I am a XXXX citizen and have made similar transactions in the past successfully and without incident. The money never arrived notwithstanding that on XX/XX/XXXX Xoom withdrew the money from my XXXX XXXX account. XXXX  XXXX  XXXX XXXX insists they received no such transfer and there have been no deposits to that account in weeks. I have complained to Xoom in writing daily now for 7 days. They have called me twice and basically tell me its not their problem. So from my point of view they have stolen $ XXXX from my account and I have no recourse. I should add I used their app to make this transfer request. The app allows you to resend money to an international account that you have already used without re entering the prior information. So if this transfer got corrupted, it was corrupted by their technology. I have sent documents Xoom has requested. But their response is a complete abdication of any responsibility which calls into question how they can be legally allowed to offer this service. I am at a loss as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2020-10-22 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 HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since XXXX my income lowered, filed bankcrutcy and other hardships been trying to work with SPS to either modify loan or give me a short sale approval. Ive hired XXXX XXXX XXXX XXXX  in XXXX XXXX to help sell the home and they had multiple offers in the house and over 7 offers submitted to Lender. We have never stopped communicating with SPS and we have pages of notes from Realtor and costumer service reps. Sale date was postponed sevral times in order to get short sale approval and things got worse after XX/XX/XXXX when Covid hit. Buyer has diligently provided all forms needed and seller too, things were put on hold a little after XXXX but Realtor kept calling in XX/XX/XXXX the called was simple ( we have everything we need - only need updated XXXX and realtor gave phone number etc ) Realtor kept waiting on call from XXXX XXXX and never came in since there are very strict restrictions In CA there are steps we need to take to have a XXXX done. To keep it short in XXXX still waiting, XXXX still waiting and XXXX comes and last week XXXX we receive a call that investor closed the short sale and there will no chance to reopen and they will foreclose in XXXX even do the mratorium in CA is until XXXX we need help, the buyer is still interested and seller is willing to short sale. Lets close this please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have called and submitted a request in writing to XXXX XXXX under the FCRA and to Validate debt. Two accounts one for XXXX  XXXX for XXXX The second is for XXXX and XXXX for XXXX The second also shows as XXXX  XXXX never responded and then they sold to Portfolio Recovery Associates. XXXX removed the XXXX for XXXX but they have not removed the XXXX XXXX for XXXX I have asked XXXX to remove due to under FCRA and me requesting for the original debtor XXXX XXXX, XXXX and the collection agency Portforlio Recovery Associates to validate all statements, interests, payment history, late payments and original contract with my signature. I also asked Portfolio Recovery to validate debt and send me original contract with my signature and remove from my credit reports. I have a police report as well that I submitted to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Scam reason : criminals offered job opportunity and a house payment. 

Wells Fargo Bank Account Name : XXXX XXXX Account No : XXXX Routing No : XXXX Swift Code : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX received {$10000.00} from my bank transfer. 
Wells Fargo to Wells Fargo.

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 2020-10-22 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: NY

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-10-22 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: NY

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I contacted Exeter to get a small settlement amount on the account and I haven't received a call back. The car was flooded in XX/XX/XXXX, I was still paying on the car, then I stopped because I couldn't afford it. They retrieved the car and resold the flooded car and is asking for the same price according to my credit report. I really want this removed. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
Companies involved : XXXX XXXX TD Bank XXXX XXXX XXXX XXXX I have been working with XXXX XXXX XXXX XXXX to have a shipment of products sent to my home. I was asked to wire {$18000.00} for a XXXX XXXX for US Customs. The shipping company provided me with the wiring  instructions. On XX/XX/2020 I asked my bank, XXXX XXXX, to do the wire transfer to an account at TD Bank. I received a Reference Number ( Item # 1 Wire Confirmation ). On XXXX, XXXX, XXXX, the shipping company sent me an email stating that their representative in the states was unable to receive the money because it was not authorized by my bank. They also asked me to call back my money into my account. I have contacted TD Bank and they would not talk to me without the beneficiary of the account. Since then I have been asking my bank to recall my funds from TD Bank with no success. I received several emails from the shipping company that they do not understand why my bank can not get my funds back into my account. I have numerous emails back and forth with the shipping company about our communications that funds should have been released, recall failure, etc. 
I have contacted my bank on the following dates to gather information and get my funds recalled : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I recently pulled my credit and saw several accounts that were fraudulent, it is ruining my credit and my life.

Company response to consumer: Closed with explanation