vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my Transunion report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

Experian doesn't allow me to download a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XX/XX/2018 XX/XX/2018 XX/XX/2018 {$990.00} each I believe my info was sold to Ars which I believe is a violation of my Hippa rights. I would like for those accounts be closed and removed off my credit file. Ive filed a report to XXXX, XXXX  and XXXX and nothing was resolved

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 2021-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: SC

Complaint narrative:
XX/XX/2021 a dispute about three different collection agencies balances was submitted. Those balance for those accounts haven't changed even though I've paid them. The balances also has changed with Experian, but it has with 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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} and XX/XX/2020, {$1400.00} I Transfered the stated amount in four different occasions via XXXX. when I discovered its a fraud, I called my bank to retrieve my money from the recipients but they told me that because the money has posted that they can not retrieve it and that I should call the recipients to send the money back to me which I did but the recipients refused and did not want to answer my calls till date.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX my Barclays XXXX card was stolen from my wallet. I discovered my card was stolen when I received a fraud alert via text from Barclay 's concerning a purchase from XXXX XXXX. I interacted with your auto fraud line immediately to report theft. I called and reported the card stolen. 

When I received my statement I discovered an additional charge for XXXX on XX/XX/XXXX was made at XXXX XXXX shop. I filed a dispute via the Barclay website. The charge was not removed. I called and they said there was no record of a dispute. I called many more times to get the dispute filed and resolved. Each time they said there was no dispute, last time they asked for me to fax in a sworn statement. I faxed one in on XX/XX/XXXX. When I called 5 days later and asked for the status they said they received it but a dispute was not opened someone would call me back when it was opened. No one has called me back. 

The call center is obviously trying to circumvent the filing and resolution of a dispute. There is no avenue to speak to anyone who can resolve the issue. Barclay 's is intentionally subverting the investigation of fraud charges and abusing consumers. 

I have asked numerous times to speak directly to someone in their Fraud investigation department, they say I can't be transferred. They say they will request someone from Fraud investigations to call me back. No one has ever called me back. 

I do not have the funds to pay this fraudulent charge so they are assessing late fees and interest payments. Barclay has also reported me as being late on my credit report. 

I am now being charged late fees and interest for this card. I want the fraudulent charge, interest and late fees removed and my credit report corrected.

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 2021-10-20 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 — Their investigation did not fix an error on your report
Company: AppFolio, Inc.
State: CT

Complaint narrative:
XXXXXXXX XXXX formally owned a property in XXXX, CT called XXXX XXXX. 

XXXX XXXX wrongfully evicted my family and I in 2019. Since then XXXX XXXX XXXX has ruled in my families favor as this being a wrongful credit reporting. Since the credit company ruled in our favor we were only made to pay {$630.00} out of the {$2900.00} we were reported for.

My family is trying to move but can not due to this report being on our back ground. We will soon be on the street if this is not rectified and have recently been denied several apartments due to this false report. Since payment has been made and the situation resolved I need this removed immediately. Please call me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
I've sent several letter asking for validation on how my accounts were coming back verified with proof. Never received any feedback via mail or when I call in. This was in XXXX, XXXX and XXXX. When I call in no one knows anything. I've written on several occasions about XXXX and XXXX being reported wrong. Wrote several times asking for validation on how they verify. Never received and response on neither occasion.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc.
State: MI

Complaint narrative:
I applied to get my home mortgage refinanced with SoFI. In order to start the process i had to get appraisal done and i paid SoFI {$520.00} to have appraisal scheduled. 
Appraiser came on XX/XX/2021. In his report i found mistakes that would affect the comparable and value of the house. The mistakes i found were 1. Missing half bath, misreporting of updates by saying no major updates done in last 15 years where as complete first floor remodel was done in last 2 years plus second floor flooring and paint. At first when i brought this up SoFI loan officers did not understand and told me i needed to provide them with list of houses that would be comparable and all the details in " reconsideration of value '' document if I want to try to have the appraiser review his findings. Even after paying the money for appraisal i was told to fix the problem. They told me that because the underwriting had accepted the appraisal they can not do anything. i had lost my trust in the company at this point as they are accepting falsely documented information for such a big transaction. At this point i wanted to get my refund for the appraisal so i can go somewhere else for my refinance needs. They took long time to resolve the appraisal issue and that caused me immense stress and missed opportunity to get a good rate in timely manner. They insisted on fixing the report saying the value does not change since the missing info is not significant. Even though they gave me updated report it was prepared for SoFI and it is useless for me. I am still under distress because of this issue. Their own team is sending me decision that the mistakes on the report was not significant and we have decided to not refund the money. I believe that if it was the other way around and by mistake my house value was more because of an additional bath, they would have said it was significant and take money off so they can give me higher rate. I believe, they should refund me my money but I am really looking for an impartial 3rd party to give me a good reason why the company does not need to give me a refund. So i can move on and never work with them again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer 's right to privacy. A consumer has a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
This complaint is regarding the balance for Summary of Amounts Past Due before Bankruptcy filing ( Pre-petition Arrearage ) shown on the most recent statement dated XX/XX/2021. The amount shown {$1000.00} is incorrect and the correct balance is XXXX ( XXXX ). 

As of XX/XX/2021, a document was signed and executed by XXXX XXXX, Attorney for New Rez ( Shellpoint Mortgage Servicing ) at the XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. states amount necessary to cure the petition is XXXX ( XXXX ). The document stating this information was filed and sent to XXXX XXXX XXXX XXXX XXXX. See the attached document for your reference. The error on my mortgage statement should have corrected months ago. Please make the necessary changes and updates to my account and all future mortgage statements showing Pre-petition arrearage balance XXXX ( XXXX ). Better yet, remove this section from my statement altogether for pure accounting purposes and accuracy. Please provide a full explanantion for the outstanding balance shown for the Summary of Amounts Past Due Before Bankruptcy filing Pre-petition Arrearage updates. 

My next complaint is regarding Escrow ( Paid Year-to-Date ) balance showing on the mortgage statement in the amount of {$1100.00} as of XX/XX/2021. If I am paying monthly towards Escrow {$220.00}. Why is the total amount paid as of XX/XX/2021, {$1100.00}? This is an error and the correct amount should be {$2200.00}. If you multiply {$220.00} x 10 = {$2200.00}. Also, the XX/XX/2021 mortgage statement shows the Escrow ( Paid Year-to-Date ) balance amount of {$1100.00}. But, the month of XX/XX/2021, it was reduced to {$1100.00}. Why? There is something flaky going on with New Rez accounting and managing of customers payments. Also, why is there a {$150.00} fee charge on my account? What is this about? Please provide a full explanation for the total amount paid this year for the escrow balance and this fee charge. I look to hear back asap for an accurate update to my mortgage account. 

Best, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial Bank sold my account with all my personal and confidential information to a collection agency..

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 2021-10-20 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: NC

Complaint narrative:
I initially contacted Transunion on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by XXXX XXXX XXXX. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how Transunion conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from XXXX XXXX XXXX as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.

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 2021-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
There is a widespread problem across the automotive industry of not staffing their customer service centers. They have attempted to use automation for customer service inquiries, but sometimes it is important to speak to an actual person. The core problem is that these businesses are having customers wait between 30 minutes to 2 hours on hold. to speak to a customer service agent. .This is egregious on their part, the wait time should be 15 minutes or less. Customers do not have time wait for 30 minutes to 2 hours, this appears to be a veiled tactic to discourage customer to dispute charges or to resolve loan/lease issues in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: ALLIED MORTGAGE GROUP
State: PA

Complaint narrative:
Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan. 

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from Allied Mortgage but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/2021, however XXXX has no information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have continuously contacted Experian about the incorrect reporting on my credit report. There is a Bankruptcy listed on just my Experian credit report and they keep saying they verified it from the source. When I contacted the source to find out if they give out information on consumers they sent me a letter saying they do not report bankruptcy or update information directly to credit bureaus. Experian is in violation of this 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 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My personal information was exposed in the XXXX data breach and fraudulent accounts and inquiries have been showing up on my credit report since. Block and remove the following accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My personal information was exposed in the XXXX data breach and fraudulent accounts and inquiries have been showing up on my credit report since. Block and remove the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) Account # XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
on XX/XX/2021 an unknown inquiry was made on my transunion credit report. there was no phone number to be reached by this company and the address that was listed appears to be an abandoned house. i have since called transunion about this situation and they agreed and told me the next step is to file a complaint with you.

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