vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted a dispute for XXXX XXXX XXXX which is reporting the debt for a higher amount than is reported on their payment website. On XX/XX/XXXX, I called TransUnion and was first told by the agent that my credit report was not showing this debt. After many attempts to try and retrieve my credit report through AnnualcreditReport.com, I was unable to pull my report so I called their customer service line to verify the debt. I called back at XXXXXXXX XXXX and spoke with an agent and she did confirm that my this account is being reported for the amt of {$1200.00} which I will include with this complaint showing on my Transunion report. I then call the debtor that is handling the account and was told that I owe this amt. I tried to negotiate a smaller price for which they offered to settle the debt for {$1100.00} dollars. I finally was able to gather some money to pay something or to make the payment arrangments so I log on to their payment site and see that the debt amt is {$260.00} dollars cheaper than what's being reported to TransUnion and what the representative quoted me as the original debt amt and settlement amounts! I want this item removed from my report. The hospital failed to bill my XXXX XXXX and XXXX insurance at the time of service and so it was their billing error as to why this bill was not paid. Also if TransUnion completed the full investigation whys is it that this company was able to report to them an incorrect amount? Also, why is this company allowed to quote me that incorrect amount and then offer only 10 % off of the debt that was originally a smaller amount? I am tired of disputing this charge and TransUnion is not completing a full investigation and allowing this debt collection company to report inaccuracies and also the XXXX XXXX XXXX is also trying to get more money than this debt is worth by again misquoting me the original amt and then trying to collect more that what their own payment site is offering. According to the Fair Credit Reporting Act, the credit bureaus are supposed to conduct full and thorough investigations and the debtor is supposed supply accurate information and verification of the debt which was not done here and again I want this debt removed from my report, as I have been disputing this debt for over years,

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 2022-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: AZ

Complaint narrative:
On XX/XX/2022 I sent a email to Supreme Lending loan servicing, in regards to escrow shortage. I asked for 24 months to pay off shortage. I was told that the 24 months was granted but it would only lower my payment by XXXX dollars. So I decided to look into my account online and notice that my taxes did not match what I actually had receive from the state of Arizona. So I look up the tax records for the past 5 years and email them to Supreme Lending. I also email my XXXXXXXX XXXX tax bill, because their numbers were wrong also. Due to all of the mistakes that Supreme Lending is making it is and has cost me more money. I decided to pay off shortage and have escrow account removed. My first attempt to pay off shortage was XX/XX/2022, I paid what they said I owed. So I sent another email on XX/XX/2022 asking to remove shortage. On XX/XX/2022, I received a response saying, I do not meet XXXX and Escrow balance is $ XXXX. So I called and paid the XXXX and verbally asked to have escrow removed. I have researched this and found that I do not have a HPML loan. So why are Supreme Lending trying to force those rules on me? And even under those rules my true LTV is under 80 % .I even sent the page in my closing disclosure that says I can remove escrow. I add some screen shots of my online account, when you look at year to date Information in the screen shot, you can see that it says I paid XXXX in taxes but my taxes are not that high. My taxes are XXXX. I feel that it is in my own best interest to pay my taxes and insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: MI

Complaint narrative:
Ive asked several times why Ive one got an interest rate so high ( 20.99 % ) when my credit score during the loan origination was ABOVE 620. They are taking around 80 % of my monthly payment of {$330.00} and applying it to interest. Every time I ask they either A. Hang up on me, B. Give me a line of XXXX, C. Tell me they have the right to do as they please because its their money, or D. Tell me theyll get back to me and NEVER do. To give you an idea Ive been paying on this loan since XXXX of 2018 with a beginning balance of {$13000.00} and according to them I still have to pay these crooks over {$9000.00}!! By time Im done paying this loan off I will have paid over {$24000.00} for a car that wasnt even worth the {$13000.00} I financed it for!

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 2022-10-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.

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 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Sent three certified letters to each bureau requesting that they remove the public records provided documents to each bureau

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 2022-10-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Sent three certified letters to each bureau requesting that they remove the public records provided documents to each bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Good morning, I will put you in situation so that you can see the seriousness of the acts of Wise US Inc. and XXXX XXXX, as well as the acts of their employees regarding this case. 

Wise XXXX XXXX closed on XX/XX/2022 my company account ( XXXX XXXX XXXX XXXX ) without any reason and left me without money to be able to eat or have accommodation while I was traveling in XXXX, XXXX. 

I had to sleep several days in the street and I could not eat on several occasions for lack of money because Wise had blocked the access to my money and they did not offer me any solution until several weeks later. 

I was able to survive thanks to my family because they sent me money and I had to ask for medical assistance for XXXX XXXX XXXX XXXX and go to the Spanish embassy in XXXX for help and support, in addition to denouncing what had happened to me. 

Today it is XX/XX/2022 and I have STILL NOT RECEIVED THE MONEY FROM MY COMPANY ACCOUNT XXXX XXXX XXXX XXXX. This money corresponds to a sum of XXXX USD ( all my life savings and all the money I HAVE ). 

I am still waiting for a TOTAL OF 31 days to receive the remaining money from my XXXX XXXX XXXX XXXX account, which Wise XXXX XXXX XXXXold me they will sent to my company account in XXXX on XX/XX/2022. 

This transfer, which Wise XXXX XXXX told me was made, was made on XX/XX/2022 to my company bank account XXXX XXXX XXXX XXXX in XXXX XXXX, but after talking for several days with XXXX XXXX, the transfer does not appear in their systems or this is what they told me. 

So I'm still waiting for 18 days to receive a transfer that Wise XXXX XXXX made to my own business XXXX XXXX account. 

I have also spoken with XXXX XXXX repeatedly by email and phone and they tell me that they have no record of this transfer in their systems and that they can not track the transfer. 

And NOW there is ANOTHER PROBLEM : Yesterday XXXX XXXX blocked and closed my company account, that same company account that was waiting for more thanXXXX days to receive the amount of XXXX USD from Wise XXXX XXXX  . 

XXXX XXXX closed my account for no apparent reason .... 

So the question here is : Where is my money then? Can you see that this is a really serious problem? 

And I want to repeat this again : who is going to pay for the damages caused to my company and person?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-08 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-08 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I went to purchase a music box on a website XXXX XXXX XXXXXXXX for XXXX dollars ; I was going to use my credit card but when I went to check out the page automatically went to Paypal and then quickly went back to the website XXXX  and it showed that the item was paid for by my Paypal, which I did not want to use, nor intended to use but it all happened so fast and now in hindsight, I think what happened that this site has a script on it or something that checks quickly if the person has Paypal and since I did and my password for Paypal site is saved the purchase went thru. When I did not receive an email from the merchant like the way every purchase you make online does and along with the weird check-out episode I got very suspicious so I contacted Paypal right away within 5 minutes of the transaction and Paypal said I needed to take it up with my bank [ my Paypal card is backed by my bank checking account ] I said why and they told me the purchase went through with Paypal and told me I made a transaction by " sending money to family and friends '' and they don't offer protection for transactions of sending money to family and friends. I tried to tell them I did not send money to family and friends but instead purchased a music box on this website XXXX XXXX XXXXXXXX and was going to use my credit card but it automatically went through Paypal, which was weird in itself and so I contacted my bank to stop payment but they told me I had to wait for the transaction to clear ; I said I don't want it to clear because if it is fraudulent it will be just giving a criminal my money but they said that is their policy for it to clear first [ which I think should be a crime in itself ] so after it cleared they said they would file a dispute and after 60 days they denied my dispute because Paypal told them that the transaction was " sending money to family and friends '' and they don't offer any protection for this type of transaction. I asked them why would I " send money to family or friends '' when I am purchasing a music box on a website. Neither my bank nor Paypal would help me and I and out the XXXX XXXX and never received the music box..This complaint is against XXXX and Paypal . I filed a complaint to the hosting company that hosts XXXX XXXX XXXX which is XXXX. all they did was remove the website. I did some investigation and the person that had this site also had about 10 other sites with some of them still up and running. I just want my XXXX dollars back.

Company response to consumer: Closed with explanation