vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im disputing the XXXX XXXX XXXXXXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX XXXX  {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im disputing the XXXX  XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX  XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.

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 2020-08-13 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: MI

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
BCA Financial Services for a medical debt of XXXX and XXXX has not shown me receipts or itemized bill or what doctor I saw. The bill has been paid. I have no record of this bill or what it was for. I have no idea what was billed to my insurance company. I have reached out several times in the past years and have not gotten a sufficient response or what the bill was for. They are in violation of the Fair Credit 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 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I want to file a complaint of mortgage fraud. I recently learned that XXXX XXXX applied for a mortgage in 2017 and put we were married and put me as his dependent. I would like to state that he is not married and I am not his dependent. Mr XXXX received the mortgage in XXXX, 2017, from USAA Federal Savings Bank c/o XXXX XXXX XXXX  XXXX. The address is XXXX XXXX XXXX   XXXX Ny XXXX. My name is XXXX XXXX, phone number XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I was hired by a company to online I work for them for about 2 weeks. During that time I was sent 3 mobile deposits to my account {$950.00}, {$1000.00}, and {$1000.00}. I have messages from the person I thought was my boss " XXXX XXXX ''. The first two checks came from XXXX Bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The last check came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX claimed they were affiliates of our company. He told me that I needed to send out payment and gift cards to cover computer programs, desk, chair, printer etc ... I did what he said because it wasn't my money. I only sent the money out because the money cleared in my account. I found it strange that these out of state checks cleared my account after only 2 days ( I wasn't protected by my bank at all!!! ) These checks came back fraudulent after 1 week. Now the bank wants me to pay it back to them when they are the reason I am in this mess. I have since spoken to other banks that will not just put money in my account without making absolutely sure that it is not fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: FL

Complaint narrative:
XXXX  XXXX XXXX ACCOUNT # XXXX IS A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a business account with Wells Fargo. I noticed a paypal debit to my account with the description " Business to Business ACH XXXX   Debit XXXX XXXX '' with the amount of XXXX against my account. That made me suspect because I do not have any XXXX associated with that bank account and did not authorize any charge. I did more research and found out there were repeating withdrawal by the same merchant weekly with the same amount back since XX/XX/2019 with total up to {$83000.00} I notified Wells Fargo but the bank said that their policy only give the client 24 hours to dispute the transaction and they can not reimburse the money. 

I notitied XXXX but they said they can not release any client information because of the confidental. 

I notified XXXX XXXX XXXX because the money has been depositing to one of their client account but they refuse to give out any information or offer any help. 

I just wanted to see where or who i can reach out to help to investigate and I can prosecute the theft but no one want to reach out to 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 2020-08-13 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: MO

Complaint narrative:
Sent this same complaint to company last month and they responded they was not going to reinvestigate theses items that Im challenging! Its the law to investigate! Please remove all items listed or verify that they belong to me! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX! None of these items mentioned has validated that they belong to me! Also I have no contracts with these creditors! Please remove immediately! 
,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a death in the family recently and missed my payment date by 2 days. I called to request a courtesy waiver of the late fee and was told that I had a late fee waived back in XXXX, so that makes in ineligible for another wavier for 12-18 months. 

The complete LACK of customer service by Comenity bank, ESPECIALLY during a PANDEMIC is ridiculous!! How can there not be exceptions to their " standard operating procedures '' during this time, not to mention for the care of a customer who has lost a loved one!! This organization is thriving on bleeding customers dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a collection account on my credit that reported open on XXXX of this year to Transunion. The debt in question went delinquent in XXXX, and I am unclear when XXXX XXXX sold the debt to the collector, XXXX XXXX XXXX. Under the FCRA, however, the date of the account opening should be related to the date of delinquency or charge off - I do not know if it is XXXX who screwed me over by handing a debt over nearly three years later or if it's XXXX attempting to gain more leverage in dating the debt to XX/XX/XXXX, but the debt is older than 4 months and must be accurately reflected 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 explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Rehabilitated 11 student loans successfully XX/XX/XXXX. 
Consolidated student loans XX/XX/XXXX. 
Disputed with Transunion on XX/XX/XXXX when they failed to correctly report XXXX account ( opened XX/XX/XXXX, {$4000.00} ) accurately with the other 10 accounts without derogatory marks and as closed and paid in full. 
Dispute failed to correct the error. 
Disputed AGAIN XX/XX/XXXX. 

The error still exists!! 
Currently sending a dispute by mail with rehabilitation agreement proving derogatory marks would be removed as a result, the successful rehabilitation, and the consolidation proving the loan in error was paid in full.

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 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
Dear Sir/Madam, I recently approached US Bank Mortgage to refinance a rental property. It took them some time for their underwriting department to review my application and that is fine given the number of people refinancing their mortgage. 

My complaint is two fold : 1. My rental property is under a revocable Trust agreement but the bank 's underwriting department insists that they need to see the complete Trust document not just the Certificate of Trust which I provided to them. I was not sure what is legal and allowed since my searches online indicate that the certificate of trust should be sufficient and the fact that the trust is a private document. 

2. All the documents sharing with US Bank seems to be through email. They do not have a confidential way of sharing documents. My concern is that any documents I share is also stored in some server somewhere for some hacker to hack into. I would have thought that a Bank of this size would have secure method of collecting documents. They did offer me to drop the trust document at the local bank office but it was only after I raised safety concerns. 

Thanks and Regards.

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 2020-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a letter from XXXX confirming to remove the inaccurate account from my credit report. Thank You.

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 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I got a home equity line of credit with TDBank in XXXX, XXXX For well over a week, my attorney, real estate agent and myself have been promised a HELOC letter stating the payoff balance as I have sold my home and need to pay off the HELOC in order to close on the property. TDBank staff initially stated that I simply needed to stop by their lobby to get the letter - that was not accurate and they turned me away stating they would need a 1 day turnaround. After one day, we were informed that a 3 day turnaround was needed - that was not accurate and we were informed that a seven day turnaround was needed. After seven days, I still have no letter. I have been infromed that the rate lock is good only until today, XX/XX/2020. I am angry and frustrated and getting no response whatsoever from TD bank. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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: MD

Complaint narrative:
i recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.

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 2020-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC
State: DC

Complaint narrative:
I received repeated calls from XXXX from people claiming to represent Pacific Retrieval. They told me a car was in my name was towed and they were going to charge a fee and proceed to debt collections. They continued to call all of my family members and used aggressive language to harass over 4 family members. I do not have this car and they won't stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: KY

Complaint narrative:
Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-08-13 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: KY

Complaint narrative:
Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: KY

Complaint narrative:
Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXX BA Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander is reporting a charge off on my credit report that should be removed as settlement with XXXX XXXX. I have attached them for review. Then a collection account with XXXX also hit my credit report which shouldn't be on there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
In late XXXX, I received a letter from XXXX XXXXXXXX XXXX XXXX XXXX claiming that I owed them {$1100.00} relating to damage to a rental vehicle with which I was involved in a minor accident and for which they claim I am responsible. Because there was no damage to the vehicle in question resulting from the accident in which I was involved, in XX/XX/2020, via phone, I asked that XXXX send me a copy of the police reporting relating to the accident but continued to receive multiple letters claiming that I owed the money. Finally, on XX/XX/2020, after asking via phone on multiple occasions, I did receive a copy ( via email from XXXX ) of the police report in which it is written that there was only minor damage ( scratches to the bumper ) to the vehicle in question. I advised her that I didn't think I was responsible for the debt because there was no damage caused by the minor accident I was in and the claimed date of loss was almost a month after the date of the accident. The vehicle may have been damaged, but I didn't cause the damage. Notwithstanding all of this, the matter was sent to a collection agency ( Transworld Systems Inc. ) and they sent me a first letter dated XX/XX/2020 and continue to send subsequent letters. I have now been sent to collection for a debt that I do not owe and which has not been established that I owe. I worry that this improper attempt to collect a debt I do not owe will soon show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: ERC
State: FL

Complaint narrative:
This creditor is not licensed to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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:
My cards were stolen and unauthorized charges occurred on multiple accounts. I suspected it to be a drug addict family member and I did not press charges

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