vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
A person named XXXX is calling me from XXXX XXXX  regarding a transaction i authorized. He calls me and started calling my coworkers with the same message he calls from the number XXXX XXXX XXXX. The message says that there will be consequences if i don't call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX , GA XXXXXXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not 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 2020-04-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
The company is reporting inaccurate information 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 2020-04-22 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: IL

Complaint narrative:
The company is reporting inaccurate information 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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. 
Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/XXXX, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. 

However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. 

On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. 

Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount. 
-- -- -- -- -- In addition, also on XX/XX/XXXX, I sent the following message to SLS, for which # 6 ( see below has not been addressed ). I paid the principal down below the 80 % and should have not been charged the PMI on XX/XX/XXXX. 
Best, XXXX -- -- -- -- RE : Loan # XXXX Dear SLS, I am writing in hopes to address several errors that were made in the letter I received from SLS on XX/XX/XXXX. 

1. It was indicated that " We have not received a signed authorization to perform a valuation on the property. '' The evaluation has already been completed. It was completed in XXXX of XXXX. 

2. In the document titled " Borrower-Initiated MI Termination Evaluation Results '', this information appears to inaccurate. As the records show on my account, the principal balance on XX/XX/XXXX was paid down to {$240000.00}. As of today ( XX/XX/XXXX ) the balance is even lower {$240000.00}. 

3. Using the figure provided in # 2 ( above ), and XXXX ( the property value at origination ) x 80 % = XXXX. Therefore, MI.R001 should be a " pass ''. 

4. Using the figures provided in # 2 ( above ), and XXXX ( the property purchase price ) x 80 % = XXXX. Therefore, MI.R032 should be a " pass ''. 

5. Because of # 3 and # 4 above, MI.R037 should be a " pass '' 6. Because of items # 1-5 above, I request that the PMI be cancelled and that I am compensated the {$100.00} of the PMI that was charged on the bill that I paid on XX/XX/XXXX. 

Thank you for your time and your consideration and I look forward to your response. 

Sincerely, XXXX XXXX XXXX : 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 2020-04-22 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I think this is from my identity being stolen a few years ago.

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 2020-04-22 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I think this is from my identity being stolen a few years ago.

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 2020-04-22 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-04-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I sent them certified letters asking them to remove incorrect info that was placed on my credit report on XX/XX/20 with regards to a XXXX XXXX collection account for {$1200.00} on XX/XX/20 which they signed for on XX/XX/20. I also submitted a complaint through the CFPB Portal on XX/XX/20 because they had violated the Fair Debt Credit Reporting Act and as of today no response from either communication and the incorrect, illegal information is still in my credit file. They had 30 days from receipt to investigate and that time frame has clearly expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I purchased a washer and dryer for a total of {$770.00}. The items were delivered and neither one of the items worked. I contacted the retailer multiple times and got no satisfaction. As a matter of fact the retailer told me they didnt give a XXXX. I contacted my bank REGIONS to dispute the transaction. Note I cant just pick up a washer and dryer put them on my back and carry them back to the store. However both products are defective and the retailer will not respond to my phone calls. And I contacted them the same day within hours of delivery. I reached out to REGIONS my bank the next day. My bank Wants to deny my dispute because I cant prove I returned the washer and dryer. I dont have a truck and Im not gon na pay another XXXX  dollars ( what I had to pay to have them delivered ) to have them sent back. The retailer is more than welcome to come and retrieve the product. But if I take them back they can blame me for them not working. I thought banks were supposed to protect their customers

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I filed a claim for unemployment benefits with the Oklahoma Employment Security Commission and it was approved in XXXX. My benefits started the week ending XX/XX/XXXX. I expected to receive a benefit card not later than the end of XXXX. On XX/XX/2020 I received an email that stated that I had been mailed a replacement card ( even though I had not requested one ). On XX/XX/XXXX, after still not receiving a card I visited the XXXX XXXX website which is the link to the " Way2Go '' card and is managed by Conduent, the payment solutions provider to the card. The forms on the unemployment website state that you can register for direct deposit without the card but every time I tried I received an error message that said my information could not be found. I called 3 times on that date and was disconnected after entering my SS and birth date. I called a 4th time and after 2 hours and 27 minutes on hold, was told that the card was mailed on XX/XX/2020 and should arrive anytime and that the website in fact does not allow direct deposit without the card. I did not receive the card and on XX/XX/XXXX I called again and after holding for over 4 hours was told again that there was nothing that they could do as the card was mailed and no tracking available. As of XX/XX/XXXX I have no card and can not access 6 weeks of unemployment payments I desperately need and have no one to contact. This is a time of desperation for my family and I am begging for someone to do something about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CA

Complaint narrative:
On XX/XX/2020, I was scammed out of {$650.00} that was taken from my account through my debit card. The assailant also purchased items through XXXX, and XXXX. 
Claim # XXXX for {$330.00} Claim # XXXX for {$160.00} Claim # XXXX for {$120.00} This claim was for a {$50.00} gift card from XXXX, a {$25.00} to XXXX gift card, and two {$25.00} gift cards at XXXX. They were all purchases that the assailant made with my debit card. The total amount equaled {$620.00}, plus {$150.00} was charged to my credit card. 

I filed claims on each fraudulent charge with my bank and they are refusing to pay it back as they say it was not in their error. I have spent more than three hours a day, since XX/XX/XXXX, on the phone with my bank trying to resolve this matter. I received letters in the mail today saying they were not going to pay it back. 

I had also filed claims separately, for three charges from XXXX {$33.00} for toilet paper I didnt receive, and XXXX for 2 charges of {$24.00} that were for a subscription that I did not subscribe to. 
They credited my account for the one of {$24.00} charges, and the one for {$33.00}. Im having a really hard time understanding how they could have returned these two charges but not credited me for all the charges that were illegally taken from me through my debit card. They also credited what they called a card final payment of {$57.00}. I have no idea what that is for. 

I am at my wits end and dont know what to do. As Im sure you know, times are hard and that money is my only way of survival. I could not get unemployment and I desperately need this money back. PLEASE can you 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 explanation
Consumer complaint received 2020-04-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb/ Lowes Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.

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 2020-04-22 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX FI XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX N/A XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: MS

Complaint narrative:
XXXX XXXX XXXX  This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of XXXX XXXX in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.

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 2020-04-22 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: FL

Complaint narrative:
XXXX XXXX Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.

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 2020-04-22 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: FL

Complaint narrative:
XXXX XXXX Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.

Company response to consumer: Closed with explanation