vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

Transunion removed account according to do XXXX and Transunion.com Dispute file number:XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX XXXX {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item 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 non-monetary relief
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXXXXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}. Inquiry : XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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 — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I sent a complaint AGAINST EARLY WARNING SERVICES , LLC in regards the mailing this company is sending to me IS ALWAYS LOST. I REQUESTED EARLY WARNING SERVICES , LLC SEND ME CERTIFIED MAIL IN ORDER TO AVOID " THE LOSING MAIL '', WHICH IS STOPPING MY CASES BE CLOSED LEGALLY. TODAY I CALLED TO EARLY WARNING SERVICES , LLC WITH AGENT CRISTAL, AND SHE TOLD ME THAT EARLY WARNING SERVICES, WILL NOT ANSWER ME ANY OF MY DISPUTES, DESPITE THE FRAME TIME THE BANKS HAVE TO ANSWER ME IS OVER, SHE ALSO TOLD ME THAT EARLY WARNING SENT ME YESTEDRDAY XX/XX/2021 A CORRESPONDENCE THAT I HAVE TO ANSWER IN ORDER TO CONTINUE WITH MY DISPUTES TO THE FRAUDULENT STATEMENTS AND REPORTS THE BANKS ARE MAKING TO MY PERSON. I REQUESTED THE TRACKING NUMBER OF THE MAIL SENT ON XX/XX/2021, AND SHE TOLD ME THAT THEY WILL NOT SEND CERTIFIED MAIL TO ME. I ASKED HER TO ASK ME BY PHONE WHAT IS WHAT THEY NEED IN ORDER TO ANSWER MY DISPUTES, AND SHE TOLD ME THAT SHE WOULD NOT TELL ME ANYTHING BY PHONE. I COMPLAINT FROM EARLY WARNING SERVICES , LLC FOR THE SUSPICIOUS ACTIVITY THEY CREATE IN ORDER TO AVOID TO CLOSE MY REPORTS LEGALLY. IT APPEARS EARLY WARNING SERVICES , LLC ARE COVERING UP THE BANKS IN ORDER TO CONTINUE A HATE CRIME FROM BANKS THAT ARE WRITING AND REPORTING MY ACCOUNTS AND MY PERSON FRAUDULENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A company I have an affiliation with notified me that my personal information was breached a few years ago, so I immediately froze my credit on all 3 credit bureau sites. 

I am going to be applying for a mortgage pre-approval so need to ensure my credit is unfrozen on these sites. I had no problem unfreezing my credit with XXXX or XXXX. Experian, on the other hand, has been impossible to work with. 

I logged into their website to follow instructions for unfreezing my credit report. They then force me to re-enter all my personal information [ name, SSN, DOB ] despite the fact that I've already authenticated to their site with a username and password. 

Once that personal information is shared, I end up at a screen that says I must call them to complete my request. When I call, they try to upsell me with various gimmicks [ XXXX XXXX, XXXX XXXX XXXX, 'help me I've fallen ' devices, etc etc etc ]. When I attempt to opt-out of those services, my call gets dropped. Now, when I attempt to call, I get a message saying that number is outside my calling area. 

I am a hostage to their XXXX website, their lousy customer service, and I have NO RECOURSE. 
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 2021-12-30 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: MS

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has charged me {$420.00} in overdraft fees on accounts ending in # XXXX and # XXXX since XXXX XXXX. I called on XXXX to discuss the fees being waived or reversed as I explained none of the transactions were paid and some even charged me a NSF fee 3 times in one day.I was told that Bank Of America would not return the fees as it was not a banking error. I explained to the representative the purpose of having overdraft protection is to cover a transaction if the funds arent there, then charge me {$35.00} non sufficient funds fee. Out of a total of 12 transactions, Bank of America did not cover one, yet charged me {$35.00} each time a transaction came through and funds were not available. 
I was told by representatives that this was in a disclosure upon account opening. I further explained to representative that was not the way the account setup was explained to be when I opened it. I was told that I had the option for overdraft protection which would cover my transactions if funds werent there and charge me a {$35.00} fee. This is unscrupulous to take hundreds of dollars from a customer especially being on a fixed income.

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 2021-12-30 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: MS

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2021-12-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Today XX/XX/2021 I received a call from what looked like a local number but apparently was a spoofed number to looked local to get me to answer it. I asked who it was and she said her name is XXXX XXXX from national credit adjusters. If they are a legitimate company it strikes me as odd that they are spoofing theyre real numbers and making it look like theyre calling from the XXXX county sheriffs department or a city of XXXX employee number just to get people to answer the phone. She asked for all of my personal information such as date of birth and Social Security number. I advised her I was not comfortable giving my information over the phone to a fake number and politely asked if she would send me any documents she wanted to discuss by mail and to no longer contact me by phone. She proceeded to start yelling demanding I give her a what she said was a new mailing address because she didnt have one on file for me and wanted my Social Security number. I again politely advised her I would not be confirming or giving any details over the phone and to please send me information by mail and no longer contact me by phone. She began to yell again get extremely rude use foul language and call me out of my name rudely. I then hung up the phone. I dont know who this company is, I dont have any business with them and I will certainly not be providing any of my personal details to a company who doesnt even use a real phone number when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For over six ( 6 ) months, my husband and I have attempted to remove private mortgage insurance ( PMI ) from our home loan. As a middle-class family, we make every effort to reduce expenses so that we can save for retirement, pay medical bills, enjoy a modest lifestyle, etc. Due to the increase in our home value and because we made improvements to the home during our four ( 4 ) years living here, we contacted Wells Fargo for assistance removing the PMI. Wells Fargo informed us that we would have to have the property re-appraised. Wells Fargo mandated we engage XXXX to complete the appraisal, despite XXXX costing nearly {$300.00} more than ( the current rate ) the company that conducted the appraisal when we purchased the property quoted us ; Wells Fargo rejected our request to use a lower-cost appraiser. It appears XXXX outsourced the appraisal to The XXXX XXXX XXXX, located in XXXX, Texas. Although acknowledging we made over {$20000.00} worth of improvements to the property - including, but not limited to, installing guttering, French drains, stone pathways, and a built-in closet, remodeling 3 rooms, etc. - since we purchased it, the appraiser did not agree that those improvements increased the value of the property. We disputed this claim through Wells Fargo, but the appraiser did not change its position. The property was appraised at the appropriate value, however, due to the appraisers position on the improvements, we are currently unable to drop PMI. My husband and I believe the standard by which the appraiser is measuring the benefit of the improvements is unrealistic, especially considering properties in the neighborhood are completely renovated and " flipped ''. We would like the PMI removed.

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My father was involved in a devastating accident where he suffered a XXXX XXXX XXXX. Since XXXX, he has not possessed the XXXX XXXX to manage his financial affairs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He spent about four months in hospital facilities before being transferred to a group home where he will likely reside for the foreseeable future. I called Barclays, who manages his XXXX XXXX XXXX XXXX, to inform them of his condition and request that his credit card account either be closed or downgraded to an account that does not have an annual fee. Shockingly, Barclays did not have procedures or protocols in place for handling such a situation where a primary account holder has become incapacitated and is no longer capable of managing adult responsibilities and obligations. I was then accused of trying to commit identity theft/fraud against my own father! The response I received from Barclays was preposterous and inflicted further harm on a family who is dealing with a very traumatic event. It also defies logic that such a request to either close an account or downgrade it to no annual fee, could somehow constitute identity theft. At no time during my conversation with Barclays did I ask for any personal or sensitive information concerning my father or his account. I simply notified Barclays of his condition and requested his account be closed or downgraded to no annual fee. After being accused of being a criminal and hung up on by " XXXX XXXX ( who refused to further identify himself with a last name or employee ID ), and then speaking to two supervisors, I was told Barclays would " handle the matter. '' They lied. We just received the most recent credit card statement seeking the annual fee and stating that the account is past due. Of note, the annual fee is the only outstanding charge on the account. All other charges have been paid in full since XXXX, with no other charges posting since. Barclays ' attempt to extract an annual fee from an individual who they know does not possess the requisite faculties to manage his affairs is illegal and unethical. They need to be held accountable for these transgressions.

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 2021-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX someone had opened a bank account in my name in a different city. USAA was the bank they were bouncing {$400.00} checks Until it reached in about XXXX in fraudulent cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OH

Complaint narrative:
I have several accounts on my credit report that are not mines. It seems someone has my information and has been getting and applying for credit in my name. 
The fraud accounts is listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S Code 1681 ( a ) ( 4 ). ( Experian_ has violated my privacy by furnishing private information about me without any lawful authority or my written consent. As a result, my credit worthiness, credit capacity, character, and reputation have all been damaged, resulting in emotional pain and financial losses. By furnishing a consumer report containing specific factual nonpublic personal identification information without a consumer written consent, ( Experian ) also in violation of 15 USC 1681b ( a ) ( 2 ). A consumer reporting agency must block the reporting of any information in a consumers file that the consumer identifies as information resulting from identity theft not later than 4 business days after the date of receipt by such agency, according to 15 USC 1681 c ( 2 ).

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 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
my credit was ran by auto dealership on XX/XX/XXXX without my consent. consent was provided on XX/XX/XXXX to run that day but no verbal consent nor written consent was provided on 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