vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is the wrong creditor for the item XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX we made our monthly payment by bank e-check to Mr. Cooper. 
XX/XX/XXXX - Looks like they haven't cashed my check that should have arrived XX/XX/XXXX. 
Called and spoke to " XXXX '' who said that they are now asking people to send in checks and maybe they just haven't gotten to mine yet. Made a note not to charge me a fee. 
XX/XX/XXXX - XXXX -They weren't able to take electronic bill pay this month so they will not be charging me a fee for late payment. 
XX/XX/XXXX - Followed up with a text message on their site re : XXXX Mortgage XX/XX/XXXX - Called again about mortgage and they said I should cancel with my bank and send another check. Sent check for {$3800.00}. 
XX/XX/XXXX - Talked to XXXX who said that they back dated the XX/XX/XXXX payment to apply to the XXXX payment that was MIA. I got an email saying that XXXX  thought I was delinquent. XXXX says that I am not. I am insisting that they contact XXXX  and the other credit companies to clarify. Submitted a request to the Research Team to look into any thing submitted to XXXX, will make sure that anything is redacted if necessary. 7-10 Business Days. Might take a month to see the change on the credit report. Anyone in the call center can view the case and see the status. 
Talked to XXXX XXXX and got her number and email. Emailed her XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and left message XX/XX/XXXX. 
XX/XX/XXXX Credit data still indicates that we are delinquent on payment, reducing our credit rating by 170 points. XXXX, says XXXX nor XXXX filed a case. Says that no one talks to customers in the research department, but I can email XXXX. She is now filing a case. Will get a email notice from their research department 24-48 hours from now. 
Sent an email to file a complaint- XXXX as well as to the Research Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
HI I sent a international wire transfer of {$10000.00} from wells fargo i paid {$30.00} as a contract service for wells fargo to send the money into euros. After a month of hearing nothing i recieved a credit of {$9200.00}!! I then recieved a letter saying " due to extraordinary circumstances although the wire transfer was sent correctly without error but had to be returned '' They said due to currency fluctuation and charges i received charges and costs of {$730.00}!!!!! I called straight away and demanded a full refund and explanation. 

The next letter i recieved said missing account information!!!!! So i emailed and called continually asking what specific account information is missing?? They declined to answer stating they dont know. I have wasted hours of my life debating and trying to hget my money back i paid for a service that wells fargo did not complete i want them to specifcally say what account information is missing. This would contradict there letter stating that all info was correct and wire sent succsesfully. This means wells fargo have not asked for all the information needed to make a succesful wire transfer as all online forms were complete and correct. I need to send multiple transfers to the same bank account what happens on the next wire transfer.I will not let this go Wells fargo should know what missing account details were missing its a online system that was correct you can not procedd if not correct and wells fargo admitted in writing it was correct so why change the story on the second letter. This incriminates them also as if wells fargo as the big financial institution they are did not request all the info then there service failed a paid service a contract i entered when buying there service of {$30.00} to transfer money. I am demmanding a exact explanation the description of the exact info missing as all was sent there is something really suspicious about this and i will not rest. Also food for thought if the currency exchange went in my favour are they saying they would of returned {$10000.00} if the fluxation went in my favour. Casing point if i transfer more money tommorow with all the correct details this transfer has been made many times before what will happen

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 monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
While travelling I purchased some food at an airport XXXX  prior to boarding my plane. This purchase was on XX/XX/2021 for {$15.00}. Time was tight so I had to rush to the plane and did not check what was in the food bag until the plane was already taxiing on the runway. At that time, I discovered that I was missing ~1/2 of the food that I ordered. 

I called Capital One in early XXXX ( unsure of exact date ) to file a dispute. The person I spoke with said they would be sending out some paperwork that I would need to fill out to complete the dispute. I never received this paperwork ( and I have USPS informed delivery so was able to confirm by looking at images of all the mail that came by way ). 

A few days ago ( XX/XX/XXXX ), the original charge was reposted so I called back to see what the problem was. The person I spoke with told me to write up something in XXXX that details the situation and upload to the online system. I promptly typed it up and loaded into the online system. 

Today, I received online correspondence that they were declining my claim for not providing the requested information ( I provided exactly what was asked when I spoke to the service agent a couple days ago ). I called in again today to see what the problem was and how to resolve it. They sent me a link to an additional information document that I've now filled out and uploaded again. 

So now, it's ~1 month since the disputed charge. I've spoken to 3 different people and uploaded 5 different documents. I feel this is an extremely unreasonable amount of effort and hassle for a charge that was < {$20.00}. I've had far easier dispute processes with literally every other bank that I've worked with and those included amounts that were significantly larger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: AZ

Complaint narrative:
i have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-07-28 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: GA

Complaint narrative:
TransUnion is reporting an unverified Chapter XXXX bankruptcy since XX/XX/2016 with a reference number of XXXX. It shows as dismissed and never discharged. I checked with the North Georgia Bankruptcy Count where I live and they informed me that they do not share any information on bankruptcies and other public records with any credit reporting agencies. Therefore this bankruptcy information may have been acquired unethically without proper verification. 

I have disputed this items several times and it has been removed from XXXX  and XXXX  for inaccurate reporting.

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 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Acceptance Corporation
State: FL

Complaint narrative:
Car is payed off with no XXXX  balance left but on my Credi report its still showing a balance please update as completely XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Experian who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED 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 2021-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : USBK COURT XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: AL

Complaint narrative:
Transunion is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Transunion who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED 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 2021-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Our credit bureau that holds the key to everything says I have two files one with the last name XXXX which I have never been married but it was a alias on my credit report also They have the wrong phone numbers for companies that they are displaying as inquiries on my report Ive sent them my ID and my social and identity theft report and they refused to take XXXX off of my account which XXXX  told me in XXXX XXXX XXXX XXXX There was another name using my social and that was a medical bill experience is absolutely insane I pay for credit monitoring and I dont even get the right services they send me alerts and they dont even know where they come from and they continue to keep things on my report that are not mine

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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to make a zelle payment transfer out of my account which was blocked and I called them they fixed and told me to try it again upon my second attempt it blocked it again. Now I repeated the process and called them got to hold lifted and tried again. But with no fail it blocked it again now this is probably the seventh time that day that the account was blocked due to a transaction and every time I called in immediately to get it lifted I don't know why was so hard. Then they needed a phone number that I can use for verification that was registered to me and I gave him a number which I used every time I had to call them then it just stopped working they weren't allowed to use it now today XX/XX/2021 the phone number did work again but they tell me the only way I can get my account opened or access to it is to go to a local branch I live in XXXX Ohio the nearest one is in Illinois or Washington DC somewhere I do not live in California no more which is where I opened it I've offered him every type of information I can to verify my identity my social my birthday my address telephone number account number debit card number pin number and that is not enough apparently all I want is access to my account and the drain the funds and call it a day

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 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed this debt with Portfolio Recovery, and they considered it validated because, as they stated they meet FCRA requirements. However my privacy has been violated! 


I never gave permission to have access to my information. How is that legal? My consumer privacy rights have been violated. Portfolio Recovery needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XX/XX/XXXX MUTUAL MANAGEMENT SRVC at XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX has been sending me collection notices in the amount of {$1600.00} and {$1900.00} for the same alleged debt, MUTUAL MANAGEMENT SRVC called me stating that i owe this debt the collection has been reported as a past due balance i do not know this company, i have never done any business with this company, this company does not have a contract with my signature Should MUTUAL MANAGEMENT claim to have a contract, then it is within my legal rights to ask for verification details : 1. The name and job title of the witness when the contract was signed 2. The date they claim to have received my signed contract Please also attach documentation to support the verification of these claims. 
Thank you for your assistance with this matter. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I had a lease from Nissan-Infiniti starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to Nissan and they verify that my account is payed off and close. But the credit report company got different info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MA

Complaint narrative:
This letter is about the following accounts : COLLECTION : XXXX XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ] .This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation