vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I agreed to a resolution regarding a disputed XXXX XXXX account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of XXXX XXXX. The Nationwide Credit representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by Nationwide Credit from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. 

The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. 

I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but Nationwide Credit 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. 

I expect XXXX XXXX to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, XXXX XXXX ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
The collection is not from the original creditor. Convergent Outsourcing Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.

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 2022-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
Rushmore is late in payment from escrow on my towns property tax, forcing me to make payment to avoid a 30 Day Notice of Lien ( attached ), despite having informed Rushmore when the notice was received. They have removed monies from my escrow account. This is still not resolved after nearly a month of my calling, practically daily and spending hours each call, forcing me to pay out of pocket to cover the cost and avoid the notice of lien. They have no estimated resolution. I do not have confidence Rushmore can effectively manage payments or escrow. They are negligent in their servicing and incompetent in their resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: AZ

Complaint narrative:
I received an online alert that XXXXXXXX XXXX XXXXe pulled my credit report. I have a active fraud alert, requiring a phone authorization for any credit pull or account opening. I didn't receive a phone call from XXXX. I wrote Transunion a request for documentation or deletion of the inquiry from my credit report. I called Transunion to follow-up on the letter and was told I needed a letter from XXXX. XXXX said they don't have such a letter and to dispute it through the credit bureau. I want this inquiry deleted from my Transunion report if they can't uphold the fraud alert and provide authorization documentation.

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 2022-06-21 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/2022 I attempted to pull my annual credit reports from annualcreditreport.com. I encountered an error when pulling my Equifax report - receiving a " we can not complete your request at this time. '' However, I was able to pull XXXX and XXXX. I thought that was odd, but decided to go directly to Equifax 's website to try. 


When I attempted to pull an Equifax report from XXXX, I again encountered an error, " We can't complete your request at this time. Please call the Customer Care team. '' When I called Customer Service and asked for assistance they stated that I was not able to pull my report because " my credit profile was missing a verified birth date. '' When I asked for more information and an explanation for how this could have occurred the representative stated that a lender must have submitted a different birth date and/or different information. When I asked more questions about how it's possible for a lender to revise or influence this information- which I found to be concerning- they could not give me a reasonable explanation. The rep said that they would input my birth date but that the change could take up to 30 days. When I stated that waiting 30 days for my report was unacceptable- especially seeing as this seemed to be an issue on their end- they stated that there was " nothing they could do. '' I asked to speak with a supervisor to get further clarity as to how this had happened and which lender caused the issue. The supervisor I spoke to again echoed that there was nothing I can do and that I had to wait. They also then told me that I needed to send a copy of my drivers license, birth certificate, and some other document to verify my birth date. I stated again that it was concerning that a lender supplied information that resulted in Equifax deleting my date of birth or having inaccurate information. When I protested this, the supervisor backed off and stated that it wasn't necessary for me to send additional information to verify my birth. 

I am incredibly concerned by this issue - that a lender somehow changed how my personal information is reported, but also that this is preventing me from accessing extremely important and time-sensitive information. At current, there are inaccuracies that are only showing up on my Equifax report and not the other credit reporting agencies. These inaccuracies are causing me serious financial issues since it's resulting in me being declined for a loan and my pre-qualifications for a mortgage is in jeopardy. I can't afford to wait 30 days to dispute the information on my report. 

I requested a complaint be filed, which the supervisor submitted, but I have concerns about it being dealt with appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I want TD auto finance to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that TD Auto Finance remove all information from my credit report, I was never given the opportunity by TD Auto Finance to opt of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my XXXX  as I was not using and it was in excellent standing and was told by XXXX  rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX XXXX on my good credit score. Tried calling Experian and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my XXXX  and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 2022-06-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following Accounts, have 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. 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I've been a victim of identity theft and never applied for any XXXX XXXX XXXX XXXX on Experian.

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 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I agreed to a resolution regarding a disputed American Express account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of American Express. The XXXX XXXX representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by XXXX XXXX from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. 

The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. 

I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but XXXX XXXX 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. 

I expect American Express to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, American Express ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * XXXX XXXX Experian*. 

XXXX XXXXXXXX XXXX XXXX XXXX has tried multiple times to insert the account to XXXX and Experian since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with Wells Fargo. I wrote a check for {$130.00} but the amount of money debited from my account is {$1300.00} although the check clearly states that the amount is XXXX and also written in words. I immediately called up Wells Fargo and told this on XX/XX/19. The customer service representative told Wells Fargo said that they will do their best to resolve this although it is a problem on the Wells Fargo end. he gave a claim number XXXX. No email was sent to confirm that there is a dispute on file for this transaction. It has been 2 days now, no one reached out to me. When I tried to file a written dispute, it is not allowing me as it is showing the transaction as pending and debit. It is very fishy without having any absolute written record and no one seem to act on that, I am worried that my other checks that I've issued also would let people withdraw more money than what is written in the check. Since I don't have a way to escalate this further as the customer service representative told I need to call Wells Fargo and they said they would not send a written note to confirm that I have filed this dispute acknowledging this issue. I am worried about these verbal conversations without having anything formally on record when thousands of dollars have been mistakenly transferred by wells Fargo. So, I decided to escalate further to CFPB and have them take action on Wells Fargo so this doesn't happen 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 2022-06-21 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: TN

Complaint narrative:
XX/XX/XXXX, The 3 Credit Reporting Agencies, XXXX, Experian and XXXX have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS XXXX # : XXXX Experian Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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.

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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : OPEN XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX XXXX XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I assumed some debt I sent a debt update letter, absolute assignment of debt, notice and direction letter, debt certificate of ownership all notarized to EXPERIAN I paid off the debt in FULL its mine I own it. Credit bureaus are supposed to report accuracy correct? the first call said that it would be resolved that the tradeline should post in 3-5 days wasnt really clear on the ( dispute completed ) notification I received and told me status was available to call in the first place. The 2nd call the lady was working on my request typing lots of stuff in then it got disconnected. The last lady was very rude she said that I would have to contact the banks and thats a lie theyve already sold the debt to a 3rd party I bought the debt I assumed it I needed it to report o y credit report as 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 non-monetary relief
Consumer complaint received 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following are HARD INQUIRIES on my credit TRANSUNION CREDIT REPORT DO NOT belong to me, nor have I ever applied for credit of any kind with the following companies : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/2021 we applied for a HELOC at PedFed under my husband 's name, XXXX XXXX and we were offered a {$110000.00} line of credit. PenFed ordered a 3rd party drive by appraisal that came in at XXXX. 

We decided to wait and file our taxes with less deductions, pay off our truck, and I also received a {$40000.00} salary increase when I changed jobs. This month we reapplied for a HELOC at PenFed under my XXXX sounding name, XXXX XXXX, and our house was valued at {$360000.00} using the same PenFed appraisal process. I find it hard to believe that our house value dropped that considerably and the documents don't support the market going down in my area. 

We were offered the exact same loan amount this time despite my higher salary, less debt, and less deductions taken on taxes. 

I believe this was because instead of the white, male sounding name by XXXX name was discriminated against. 

When I contacted PenFed to get more information regarding the discrepancy I was responded to in a rude and dismissive way. The woman who took my call was named XXXX, I didn't catch her last name.

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