vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-15 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My ex husband and my XXXX XXXX XXXX daughters father died on XX/XX/XXXX. There was no will or executor for his estate and he was not married so his mother and I went to Wells Fargo on XX/XX/XXXX with the death certificate to see what, if anything we could do. 

Upon speaking to a banker, we found out that the next of kin would be his children, but since they are minors, I was able to complete a small estate affidavit and receive the funds and close the account. Once this was approved, the banker let us know that his bank account was completely empty, as an unauthorized user logged into his bank account and transferred herself all the funds. The amount she took was {$2800.00} and she took it over the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We filed a fraud claim with the bank and were told we would hear something within 10 days. 

Today was the XXXX day, so I went back to Wells Fargo to see if they could give me any updates. The branch manager of the XXXX, GA location was wonderful and called the claims department to find out what was going on. He was told that the claim was denied because they could not prove my ex husband didnt authorize the charges, even though he was deceased at the time they were made. Even the branch manager was upset about this and tried to explain the situation but the claims department didnt provide any more 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 explanation
Consumer complaint received 2022-03-15 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
There are four accounts on my credit report that are not mine XXXXXXXX XXXX XXXX  {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX - XXXX XXXX  {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX {$370.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This complaint is against American Honda Finance. I have paid this office on time and they reported me late in XX/XX/XXXX and XX/XX/XXXX. I have sent numerous requests for them to correct his but it still have not been resolved. I would like the late payments removed off my account and my credit file. That is it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have two issues with coinbase repayment system. My first issue happened XX/XX/XXXX, my bank card had been hacked so one of my payments reversed on coinbase for XXXX. I made a repayment using my crypto wallet XX/XX/XXXX in full. On feburary 1st coinbase charged me of what i already paid back. I have not recieved a refund since then. My bank account got hacked for a 2nd time feburary 17th causing {XXXX} to be reversed from my bank account on feburary 23rd. Ever since then ive been trying to repay them back but i keep getting error messages & my account has been locked for trading since. I have the funds in my wallet & bank account but nothing works. Ive called support every day but nobody seems to know how to help me out. Im affraid if i don't speak up i will lose all my money invested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
This company has refused to acknowledge the deceptive practices used to get consumer in unconscionable contracts. Consumer has tried disputes, Validation, and even CFPB, all of which has not changed the fact that they continue to violate this consumer. The Tax is now being assessed. Copies of 1099 sent to both company and IRS. Now to litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-15 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: CA

Complaint narrative:
XXXX, Equifax, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
XXXX, XXXX, and Experian have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX Bank XXXX XXXX Bank XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false 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 explanation
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to XXXX and Equifax to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

XXXX failed to remove : XXXX XXXX - XXXX Equifax failed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
This complaint to TRANSUNION was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}

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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
We have our mortgage loan through Cross Country Mortgage and made on-time payments until XX/XX/XXXX when we entered forbearance after my husband was laid off due to COVID. In XXXX of XXXX, we contacted the mortgage company to start resuming our payments and we were offered a COVID partial claim option for our past due balance and an updated mortgage payment amount going forward. We signed, notarized and returned the completed partial claim paperwork that was sent to us and returned it in the pre-paid envelope to the service provider. It was received on XX/XX/XXXX according to the tracking number. We followed up monthly with Cross Country Mortgage for status of the partial claim and when we would have access to our online account and applied payments. We were told that the partial claim had been approved in XXXX but that we needed to just allow more time for processing and for our account to be updated. The usual excuse was that they may be behind on processing due to the amount of requests. Starting in XX/XX/XXXX, we started to receive mail and collection calls from Cross Country Mortgage. We have since spoken to numerous individuals sometimes up to XXXX times a week starting in XXXX and have received no clear answers as to why the partial claim was not applied, even though they had clear documentation in their system that it was received and approved in XXXX according to several individuals that we spoke with since XXXX, XXXX. As of last week we have submitted more documentation for a loss mitigation solution which they claimed was required to complete our COVID partial claim request. Now we are being told that we no longer meet the time requirements for the COVID partial claim because they did not receive the paperwork that was sent out in XXXX, XXXX. As stated previously, the partial claim paperwork was signed by both my husband and myself, notarized and returned in the provided return envelope and tracking was provided with a received date of XX/XX/XXXX. We have also been making our adjusted mortgage payment since XX/XX/XXXX. We have been given misinformation since the start of this process and do not know how to proceed. We continue to make our adjusted mortgage payments and have submitted all extra documentation that they have requested even though it should not be required given our approval for the COVID partial claim. We are just looking for a resolution for something we thought was completed seven months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XX/XX/2020 XXXX I was trying to add to PayPal balance. Because I was working on a comic with my artist and one of ways to pay him was through PayPal. But once he increase his price due to home bills related issues. I have to find a way more effective way to pay him. So I decided to use PayPal as a vault to hold money, like 150 this week put another 150 next week to complete the project before he change his price again. But now they telling me I can't transfer and my account is ban. I can't use PayPal anymore. But I haven't done anything illegally. And alot of people has been having this problem. I already sent them my state ID, even called and talked to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Received this letter from Transunion, it is attached, regarding my dispute. Im not sure with this means, but I, XXXX XXXX is the one submitting this dispute no 3rd party. Dispute is attached. I spent a lot of money sending this letter certified for someone to make an assumption that is not valid. 

I see they have a file number on the letter so that number is 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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
PER ESQ. " XXXX '' OF LEGAL AID OF XXXX NEVADA WELLS FARGO HAS A REPRESSIVE HISTORY OF DECEPTIVE BUSINESS PRACTICES THAT IN " XXXX XXXX '' IS THE RIGHT PLACE TO BE IN FILING A COMPLAINT WITH " CFPB '' WHO M ACCORDING TO " XXXX '' CAN SEEK COMPLIANCE BY WELLS FARGO TO ASPECTS OF THE FAIR CREDIT & REPPORTING ACT. 

FURTHERMORE THE CLAIMS THAT CFPB HAS MADE IN SENDING COMPLAINTS FILED TO THE " FTC '' HAS BEEN REFLUTED BY FTC IN SAYING THEY HAVE NO COORDINATION, ETC. WITH CFPB TO MONITOR CFPB COMPLAINTS IN ADDING THIS TO AN EXISTING FTC COMPLAINT, FTC STATE THAT THEY DO NOT REPRESENT THE INDIVIDUAL. 

WELLS FARGO CLAIMS TO HAVE CALLED THE COMPLAINTANT IS FALSE TO THE POINT THAT WELLS FARGO DOES NOT ANSWER CALLS OR CALL BACKS FROM THIS COMPLAINTANT TO DATE DUE TO THE EXCESSIVE BILLING TO INCLUDE BILLING FOR STRUCTURAL INSURANCE WELLS FARGO HAS BEEN NOTIFIED THAT AMERICAN FAMILY INSURANCE HAS ALWAYS PROVIDED SAID COVERAGE REQUIRED ON THE MONTHLY XXXX DUES- THEREFORE WELLS FARGO MUST PROVIDE A 4 YEAR REFUND FOR THIS EXCESSIVE COVERAGE DUE TO THE UNPREDICTABLE BILLING FROM WELLS FARGO THAT HAS CHANGED THE COMPLAINTANT MIONTHLY BILLING FROM AM ROUNDED FIGURE OF {$600.00} TO NEARLY {$800.00} PER MONTH CAN NOT XXXX SUSTAIN & AS A RESULT WELLS FARTGO HAS BEEN ASKED TO STOP AUTOMATICE WITHDRAW IN ORDER TO NOT JEOPARDIZE THE COMPLAINTANT CHECKING ACCOUNT RESERVES. THEY HAVE NOT COMPLIED WITH A WITHDRAW FOR XXXX, 2022. 

AUTOMATIC WITHDRAW MUST IMMEDIATE STOP & BE SUPPLEMENTED WITH A MAIL IN SYSTEM. AUTOMATIC WITHDRAW WAS PUT IN PLACE FOR PEOPLE MORTGAGE AND NOT 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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
This is an ongoing complaint with Specialized Loan XXXX XXXX ( XXXX ). I filed my original complaint XXXX because I could not close on the sale of my previous on time because SLS refused to submit the pay-off timely. Then when we had a resolve SLS did not follow through on their commitment to making the refund timely. So I filed another complaint XXXX. 

I received my refund and took SLS at their word ; on XXXX XX/XX/XXXX " Your account no longer has a payment due. The current principal balance of the loan is {$0.00}. There are no funds held in escrow. There are no funds held in suspense. '' SLS further stated in their response on XXXX XX/XX/XXXX, " We have sent a manual update to show that the account has been paid in full... Your account no longer has a payment due. The current principal balance of the loan is {$0.00} ... the account is paid in full. '' Yet XXXX has reported to the credit bureau that as of XXXX I am 60 days delinquent in my mortgage payments. 

I have been denied for a mortgage twice since XX/XX/XXXX. In XXXX I applied for a mortgage loan from my past mortgage company and when denied had a long conversation with the representative. This is when she told me it would be difficult for me to get a new mortgage because SLS is reporting that I am delinquent even as of XXXX XX/XX/XXXX, that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please keep in mind my closing date was originally XXXX XX/XX/XXXX. XXXX is reporting to the credit bureau that I am delinquent in making payments on a {$0.00} balance, paid in full, closed account.

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 2022-03-15 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have noticed several unauthorized credit inquiry 's on my Equifax credit report. I have contacted the companies involved multiple times and they have still not been removed. The unauthorized inquiry 's are below. 

DATE COMPANY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation