vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to XXXX, XXXX, and Transunion on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, XXXX, and Transunion refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXX BANKS NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX BV. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX TRANSUNION : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX BV. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS 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 non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to XXXX, Equifax, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX  XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, Equifax, and XXXX refuse to fix it. 

EQUIFAX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXXXXXX XXXX NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX XXXX got a a fleet farm card to his address with his name on it with my numbers on it maxed out my account i contacted local sheriff department they come we notified synchrony bank on 3 way call then he took over i just found out nothing happened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then i found out he got all our stimulus checks after our account was closed by using cash app XXXX its on my bank statement i just found

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called Citibank NA to open a checking account and a money market account. I supplied authorization for an ACH transfer to take {$50000.00} from my XXXX XXXX XXXX  account to fund these two new accounts. I called them twice within the next month trying to get them to do the ACH transfer so I could use my account. I even had one customer service rep tell me to just do it myself. I would not since the authorization was given to them & I was afraid of it hitting twice and over-drafting my XXXX XXXXXXXX XXXX account. After another week, I gave up. I called them again and told them to close both accounts. I closed my XXXX XXXX XXXX  account and moved to XXXX Bank instead of Citibank. Three days AFTER I told them to close the accounts, they attempted two ACH transfers from XXXX XXXX XXXX to fund the accounts that I told them to close. XXXX XXXX XXXX  account was already closed. The only way I knew they tried to do the ACH transfers is because they sent me service charges notices. I called again. I spoke to a supervisor named XXXX who said he would take care of it. Now I received notice that both accounts were closed and I am supposed to pay the overdraft amounts on these accounts. I called AGAIN today. I was transferred to a supervisor but it was a bad connection & I asked her to call me back. She called, but as soon as I answered, the call dropped. I called again, held 20 minutes and got disconnected. I called again and got a supervisor, who said she could not verify the account with the information I provided. I told her that it is the same information that I provided for every single call and asked her to go over it again because she must have put something in wrong. She refused and said she could not help me. I asked her for her name and she would not provide it and hung up on me. I DID NOT overdraft my accounts. I have done absolutely everything I could to get this corrected, but this bank has repeatedly done nothing to correct their mistake. The bank involved is Citibank NA, Bank by Mail, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, phone XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30 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: TX

Complaint narrative:
I have disputed a collection account from XXXX XXXX XXXX XXXX with Transunion which appears on my credit report for a debt I don't owe. Transunion sent me a letter saying they wouldn't investigate the matter. I am a victim of identity theft. I want Transunion to send me the name and phone number of the person they spoke with to verify that the fraudulent debt is mine ; I want Transunion to provide me with a Contact containing my handwritten signature. Transunion can not put inaccurate information on my credit report while thumbing their nose at CFPB.

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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
Sent debit validation and cease desist letter to company. Company reply stating they would submit dispute to remove from consumer report. Collection still showing on consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2022 I initiated a wire transfer of {$100.00} from an external financial institution to Bank of America. I was then charged a {$15.00} incoming domestic wire transfer fee which was not properly disclosed in either Bank of America 's Online Banking Service Agreement or Personal Schedule of Fees. In the Online Banking Service Agreement Section 5.B you can see fees for ACH transfers incoming/outgoing, but for wire transfers you can only see fees for outgoing transfers. On Page 14 of the Personal Schedule of Fees you can see a row for wire transfers incoming/outgoing and it only states Fee varies. Based on this information, I figured there would be no fees for incoming wire transfers and then I was charged one after it finished processing. I then called customer support, explained the situation, and asked for a waiver on the fee just this one time, but my request was denied because there was no error from the bank and that there was nothing they could do to waive the fee.

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 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to Experian to discuss a few things on my consumer report While speaking with the agent she assisted me with disputes for XXXX XXXX & rXXXX XXXX XXXX to my acknowledgment the agent knew exactly what companies I was filing disputes the agent understood what companies I wanted removed off of my credit report unfortunately the agent took it upon herself to remove my consumer details with an account that was at a good standing which didnt make any sense at all the next day after speaking with the agent Ive gotten multiple alerts about my credit score decreasing now its really strange that the original disputes Ive submitted not action took place on either account so I am very confused on her action after recognizing what took place I tried to reach out to Experian & could not get anyone to assist I was transferred from agent to agent & no one could explained the action of the previous agent when requesting to speak with an agent supervisor o was put on hold excessively long periods of time & never gotten a chance to speak with the manager this matter has become very frustrating & I just need Experian to explain to me the actions taken on the account & removed what was requested in the initial dispute request!

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting XXXX XXXX bring late 12 times which is inaccurate.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting XXXX XXXX bring late 12 times which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NY

Complaint narrative:
This allege account was disputed with allege original creditor XXXX XXXX and Equifax and they both failed to show how this allege debt was validated. I sent letter disputing this allege account requesting all documents and contracts XXXX has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. It is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX and Equifax have both failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: OH

Complaint narrative:
I have complained several times about transunions credit scoring on my report apparently nothing is going to change, every time i pay down my bills my score drops instead of going up. my score drops more than any consumer i know. CFPB is doing nothing to help me with this problem and the company response is not legal. im ready to sue whoever is involved.

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Can not regularly log into my account without excessive third party verification prompts. Monthly fee charged irrespective of maintaining balance requirement to maintain the charge on two accounts. Prior to that minimum amount of direct deposited fee was not disclosed when it was changed and waiver of monthly fee for months when charges should have not been waived were not respected. Reported that bill payments were being cancelled without my authorization in past months. On site support mirrored phone support in which they are a face to look at while speaking and the phone support is a phone that you can talk into but nothing gets done to resolve the issue.

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 2022-01-30 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also RMP Services LLC and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for XXXX XXXX  to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a XXXX release form with RMP Services LLC nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. XXXX laws protect my personal medical information from being used without my personal consent and they are now very much aware of these XXXX violations, delete immediately. 

4 collection accounts Total balance : {$2400.00} RMP SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also XXXX XXXX XXXX and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a Hippa release form with XXXX XXXX XXXX nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and they are now very much aware of these Hippa violations, delete immediately.

4 collection accounts Total balance : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been working with Wells Fargo on an FHA COVID-19 lpartial oan modification since last year. I thought that the process was over as I was told by XXXX XXXX XXXX that I would be receiving the loan modification in the mail. I did, but the problem is that my ex-husband is now on the loan package. I called XXXX XXXX two or three times in the past week ( XXXX ) asking why my ex is on the loan. The last modification package that I received ( which apparently had mistakes in it-hence the mailing of a new one ) only had my name on it. I am trying to find out if the loan package that was just my name was a mistake or not. No one will get back to me. 

He hasn't called me back nor has a man by the name of XXXX XXXX that responded to my last complaint ( XXXX ) who've I have also called and left messages on his phone ). I need to know what is going on as I need to get it notarized and sent back to XXXX by XX/XX/2022. I spoke with the mobile notary that was sent by XXXX and they can not notarize the document w/o my ex 's signature. 

Please help. I am afraid again of losing my home because XXXX won't respond to me. I've done everything that they have asked and still, I am in limbo. Last time they mailed and XXXX me over 4 foreclosure notices because of an error on their end. I don't think I can take any more stress over this predicament. 

Thank You, 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 non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: IN

Complaint narrative:
I made my mortgage payment on time XXXX and XXXX for the amount XXXX which they had taken from my bank account with the routing number and bank account which this is the way we make our pays the same every month since may on homeside financial when we refinanced for 15yrs from a 30yr they reported to the credit bureau that payments havent been made my credit went from XXXX to a XXXX. Which I contacted my bank and they stated that homeside directly had taken the money out. I have call homeside  and have talk to multiple supervisors which keep saying they are fixing every time I call back they state they need my banking statements again this has been going on for 4 weeks of talking with them. They still havent posted my payments or fixed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: VA

Complaint narrative:
On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than 8 hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''

Company response to consumer: Closed with explanation