vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: TX

Complaint narrative:
Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by TransUnion and XXXX. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-12-22 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: FL

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts 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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bank with Wells Fargo and have been for over 10 years. I was viewing my last statement from XXXX to XXXX and I paid {$240.00} in overdraft fees. Six of them were in a 2 day period!! ( from XXXX to XXXX )!! I noticed that I was able to make purchases while in overdraft when I shouldn't have been able to. THIS year alone, I paid over {$770.00} in overdraft fees!!!! That's almost {$1000.00}!!! I've spoken to a personal banker, who couldn't refund ANY of it. Also, my car was repossessed in XXXX thru XXXX XXXX XXXX ( my lender ). I owed {$1400.00}. to get it back and paid {$1200.00} with the promise to pay the remaining {$200.00} when I got paid. I called and needed a few more days and they'd already sent my car to auction. When I got it back, they rekeyed my car and gave me a simple key with no fob to open my car with and didn't even start the car. Used my old key and fob to enter and start the car. Got a bill for {$290.00} for the key ( like a house key ) made for {$3.00} at XXXX and incurred monthly late fees for nonpayment. I didn't authorize my car to go to auction, didn't authorize a key, and couldn't afford the {$120.00} to file in small claims court because the battery was dead ( sat in the heat and got bad ), had to buy a new one, headlight ruined, and items missing from car. Need help with the predatory practice and the 18 % interest maybe. Each payment is {$6.00} processing fee. XXXX payments is {$180.00} in fees to MAKE the payment!!!

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 2022-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: GA

Complaint narrative:
This is a follow-up of claim with the reference # XXXX, Happy Money is negligent where the company entrapped my son by disregarding the account was falling behind from day one and the automated emails I did receive, they would inform me someone would be getting in touch, but no one never contacted me to resolve the issue. The reason for the word entrapped, is the companys failure to assist us correctly but recently claiming the account was charged off around the XXXX a day before my payment attempt. Their excuses are they called and e-mailed XXXX XXXX XXXX but what is their excuse for not unprofessional conduct disregarding my son 's request to allow his mother who is his authority to handle the account? My other reason is, it was not until I spoke to a representative at the end or beginning of XX/XX/2022 when he finally comes out and states that they could have taken a payment over the telephone as an exception and why did I not mail the payment in. I informed him I was never provided the options. All I was told and redirected to do was to go into the portal to make payments when I constantly informed the company, I could not make payments online under the old account under XXXX XXXXXXXX XXXX. The company new this and even was provided a screenshot of the closed accounts. However, no one mentioned nor requested a screen shot prior to the day the XXXX questions were answered and submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citibank on XX/XX/2022. I deposited my first check on XX/XX/2022. They notified me about closing my account on XX/XX/2022. I called and they told me my account has been closed and they cant give me any more information about it.

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 2022-12-22 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: NY

Complaint narrative:
I was a victim of identity theft and have a bunch of fraudulent addresses on my credit report. I keep sending letters for it to be updated by the bureas and nothing.

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 2022-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) sent funds to my Bank of America account after the death of my husband but I didnt receive the funds because gave out a wrong routing number for wires XXXX instead of paper and electronic XXXX both belongs to Bank of America XXXX XXXX sent {$400.00} & {$3800.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX and the same amount {$320.00} on the conservative months until XX/XX/XXXX. So I reached out to the bank and they informed me that I didnt receive the money because I gave out a wrong routing number and the money was sent back to XXXX so when I called XXXX they sent me the statements of transfers and confirmed that they havent received the funds back and I should ask the bank to send me the evidence of the transfers because thats the only way they can resend the money. I tried reaching the bank in vain so I went through the XXXX XXXX XXXX XXXX XXXX XXXX and BoA last reached out to me in XX/XX/XXXX through their representative XXXX and promised to email the paper work that showed the money was returned but I never received the email and yes it was not in my spam. I called again and they said they will send it by mail in XXXX business days. I confirmed with them that they have my right mailing address but its been two months and Im yet the documents to send XXXX so I can get my money. 
They did this too in XXXX, XXXX when their representative XXXX XXXX reached out and promised to send me the evidence which I never received. 
This is issue has been going on for more than a year now and its been so frustrating. 
Kindly help.

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 2022-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: ME

Complaint narrative:
For the past several weeks I have been receiving telephone calls from ( XXXX XXXX XXXX ) XXXX XXXX XXXX followed by a few various numbers. Today I returned a call to XXXX. Each time they answered with " Hi, this is ( stated their name ) on a recorded line. '' After that I would say " Hi, what company are you with? '' At this point their responses would vary from either hanging up on me immediately or saying " Hello, if you're not going to say anything please hang up the phone. '' This went on for at least XXXX calls, they continued to ignire my request for their name. I know they heard me ask the question because I would hear a small sigh when I asked who they were and I could hear background noise from their side of the call. 
Using a free service, I was able to find the company is Williams & Fudge in Massachusetts. 
I have screenshots if every call. 
I will be calling back every one of the numbers they called me from tomorrow to check if they refuse to give their information at every number they have called me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I had a mortgage with Pennymac on a home I sold in XX/XX/2022. Apparently I had a {$750.00} credit and it's XXXX and I don't have my money? I'm owed the principal {$750.00} and 11 months of interest. How do I get it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history 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 2022-12-22 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: TX

Complaint narrative:
Over the past XXXX months, I have mailed various letters to the credit bureau in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate accounts reported on my credit profile. I have asked the bureau, Experian, to verify the validity of these accounts, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureau. The account that is inaccurately being reported is a XXXX XXXX XXXX and XXXX XXXX credit card accounts that reflects as charge-offs account on my Experian credit profile. The credit bureau refuses to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2022-12-22 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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Per informative research there has been negative credit reporting from my current mortgage lender on the following dates : 30 days late : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 60 days ) Dispute : XX/XX/XXXX, Carrington researched and advised my Forbearance plan expired on XX/XX/XXXX Although my loan was approved for a XXXX XXXX XXXX ( FHA ) XXXX XXXX Recovery Loan Modification in XXXX and my loan modification documents were drafted on XX/XX/XXXX Carrington advised in their response that they sent the modification documents to be signed however I explained never received them ; hence they were sent online through the website portal and I was not aware thats how they were sent. I was under the impression these legal documents were sent via XXXX and considering a recent change on mailbox locations I assumed they were lost in the mail. Nonetheless, they were then sent via mail and they were signed and notarized and XXXX. 

On XX/XX/XXXX I received a letter stating my loan modification documents received on XX/XX/XXXX were incomplete and a response was due by XX/XX/XXXX ( I should still be protected under applicable laws as a consumer and NOT have negative credit reporting as I was still under hardship ) I rectified the problem immediately and had the loan modification documents corrected by the notary as this was caused by the notarys error with a middle initial missing. 

In addition, the letter dated XX/XX/XXXX states that during the XXXX XXXX Forebearance period, Modification period there would be no negative credit reporting. In this case, the transition period from the forbearance period and loan modification overlapped and is not conclusive to negative reporting as a consumer and my rights have been violated as I advised Carrington of the unforeseen hardships and delay in modification documents. 

Lastly, the credit reporting on XX/XX/XXXX was also invalid as my attempt to make my mortgage payment on Sunday XX/XX/XXXX on the Carrington website was down and not accessible and I was unable to get in touch with a representative therefore I had to use the speed pay system which caused my XXXX payment to not post until the next business day XX/XX/XXXX I am requesting per the CFPB and DOJ that ALL the above concerns of negative credit reporting is removed from all three major credit reporting agencies for the following dates : XX/XX/XXXX, XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( XXXX late ) otherwise I XXXX need to seek a class action lawsuit, notify media and contact the Department of Justice for legal actions against Carrington XXXX unfair practices against consumers during the worldwide pandemic. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of identity theft and have a bunch of fraudulent addresses on my credit report. I keep sending letters for it to be updated by the bureas and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Your Claim Number : XXXXXXXX XXXX XXXX  XXXX XXXX : You filed a claim in the Equifax XXXX XXXX Settlement between XX/XX/XXXX and XX/XX/XXXX. We have processed your claim and determined that you are eligible for a XXXX XXXX 

You chose to receive your XXXX XXXXt via check. The XXXX XXXX can now offer you the ability to receive your payment electronically via XXXX or pre-paid card. If you would like to switch your payment selection to electronic payment via XXXX or pre-paid card rather than a physical check, please click here. 
If you do not want to change your payment selection of check, you do not need to do anything. If we dont hear from you by XX/XX/XXXX, your payment will be sent to you by check. 
If you also filed or file a claim between XX/XX/XXXX and XX/XX/XXXX, and you are eligible for a XXXX XXXX we will use your most recent payment choice to send you your XXXXXXXX XXXX 

This notice is from the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX  by email at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, or by mail at Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My Message - -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : No check or return response happened for Equifax settlement Who has the money ticket # XXXX/Equifax XXXX XXXX XXXXXXXX I was promised a refund in late XXXX, then mid XXXX. There is no response to phone call or my daily emails for a XXXX 

I am very suspicious of this process. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International , Inc never notified me in regards to a {$100.00}. medical bill that was placed on my credit reports for collections. When I contacted XXXX  XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative named XXXX he stated I was never billed {$100.00}. I requested to have an invoice sent to me for the {$100.00} bill and as of today I never received an invoice. 

On XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX again in regards to the {$100.00} and the representative informed me they are not able to locate a bill for that amount in their system. I also disputed this with both credit bureaus and they stated the account is valid not sure what that means. I'm not sure if the medical bill is valid because I never received the bill and Credit Systems International , Inc never notified me via mail or via phone. 

However, I did receive a letter from Credit Systems International , Inc in regards to another medical bill for {$330.00} and that bill was paid in full on XX/XX/XXXX with agent XXXX ( XXXX ). Attached are copies of the invoices that I paid in full with Credit Systems International , Inc . 

I'm requesting to have these collections removed from all my credit reports and to send copies of the bill that I never received from XXXX  XXXX XXXX XXXX which will reflect if the {$100.00} is actually my bill or if its a bill that I already paid in full. By law the collection agency is required to notify the consumer before they place collections on their credit report and Credit Systems International , Inc failed to follow the law.

Company response to consumer: Closed with explanation