vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: PA

Complaint narrative:
This account was open due to identity theft I submitted my claim with the FTC and I have my FTC report number XXXX XXXX XXXX XXXX D/B Original creditor Name : XXXX  XXXX XXXX I would like it removed immediately I contacted this bureau several times by mail and phone

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 2021-03-11 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: PA

Complaint narrative:
This account was open due to identity theft I submitted my claim with the FTC and I have my FTC report number XXXX XXXX XXXX XXXX D/B Original creditor Name : XXXX  XXXX XXXX I would like it removed immediately I contacted this bureau several times by mail and phone

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
This debt is not valid. I am an active consumer and will open a court case against your company is the small claims court of Wyoming if this not fixed. I would like to dispute this debt. PLEASE FIX NOW AND STOP THE HARASSING PHONE CALLS!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity Direct Mortgage, LLC
State: MD

Complaint narrative:
While looking for homes I found what I believe was a perfect match for my family I put in a contract on the home based on what my lender at fidelity mortgage told me I could afford. My contract was accepted at XXXX. Then I was told to do inspection which costed me XXXX $ and later that same day was told I needed to pay for appraisal which was XXXX XXXX The seller now agreed to give me 6 % sellers help which at that time made me not able to get the grant help that I was receiving and I had to bring more money to the table but the deal was sealed. The day before I was scheduled to close on the property my realtor was sent preliminary atla and the figures where incorrect at that time I reached out to my lender and he assured me that was an error and it wont affect my closing for the next day. Boy was that furthest from the truth not only did he lie but now Im over the threshold for purchasing but he should have never approved me for that amount the deal was stopped in its tracks. Now Im out XXXX $ base on lies. Im stuck on a month to month lease paying XXXX $ base off of lies. The hardship that I endured from this mortgage company no one deserves please what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I handled whatever debt via modifications that included all loans years ago. XXXX XXXX XXXX is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in 2012 I filed a complaint XXXX with the FTC against XXXX XXXX XXXX to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to XXXX XXXX XXXX as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.

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 2021-03-11 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: GA

Complaint narrative:
With respect to 15 USC 1681 ( a ) ( 4 ), the bureau has infringed upon my right to privacy. I asked the bureau to VALIDATE the account in which they said it was VERIFIED. Attached is written proof that they didn't VALIDATE the account because the US Court said that they do not report information to credit reporting agencies in the first place.

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 2021-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I applied for the loan online and was approved for XXXX. XXXX of this loan was to pay off one of my creditors and they sent that money to a creditor I don't even have. Now I've been dealing with trying to call and get all this situated on a XXXX loan that I'm still missing the XXXX but paying the full XXXX amount term and payments. Plus, I'm having to pay the original loan off that Upgrade was suppose to pay off because they sent the money to the wrong creditor. Now I'm being punished and told to be patient while the banks try to resolve the issue and get the funds back to their bank so they can reissue the funds back to me. It is going on almost a month now and I've been getting the run around about Upgrade waiting for the funds from another creditor being returned to their bank so they can return them to me. In this day and age, I find it unfathomable to get a credit back from a bank in 7-10 days NOT 30 and counting. I will NOT every be using this company again and will let others know of how inconvenient this whole process has been and the run around they will get also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OR

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The doctor scheduled a XXXX with XXXX XXXX XXXX. XXXX called and stated that they had ran the insurance and got me prequalified and the XXXX would be cover 100 % with no co pay or down payment needed. Three months later I received a bill for {$1400.00}. I called the billing department and explained what happened. I was told by the billing Manager that a mistake was made by the department and the would be billing the insurance back and it would be billed the correct way to clear up mess that was made. The bill was turned over to XXXX XXXX XXXX for collection. I reach back out to XXXX XXXX XXXX and was told that it would be removed off my credit because they was the one that made the mistake,. The Item was removed off my credit report but put back on by Medical Revenue Services. I called back to speak to the manager at XXXX XXXX XXXX but had to leave a message and I could not get a return call back. I called Medical Revenue Service and spoke to XXXX. He refused to let me talk to the manager to try and get this problem corrected. XXXX stated that the manager did not have time to talk with me about this problem. This is the 3rd time a bill had to be cleared up with one collection but put back on by Medical Revenue Services.

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 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: New Century Financial Services, Inc.
State: NC

Complaint narrative:
I received an income execution letter from a creditor that I do not know,. The creditors name is New Century Financial Services Inc. Please advise on how to fix this situation. This creditor sent a letter to the XXXX County Sheriffs Department demanding that I pay {$1500.00} immediately. I thank you in advance for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am an American working in XXXX as a XXXX. Sending money home for bills, student loans, and for my family during covid is very difficult as the XXXX government makes is hard to do. I have been using paypal for over two years to send money home. I did not send any money home for a while and so for the last couple months when I finally did it was a large amountaround {$7000.00}. PayPal decided to close my account and will be holding my money for 180 days. I do not have this time. I have already submitted one complaint to the CFPB and the result being that PayPal still will not release my money. In their response they said that they asked for a bank statement which was untrue. I provided my passport and proof of my address from in the states. Also, they said that my web address looked suspicious but that is only because in XXXX I have to use multiple VPNs in order to access the internet. 

Please help me resolve this. PayPal did not ask for any bank account proof though they said that they did. This money is important to me and my family. My email is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The credit company is midland credit management they reached out to a member of my family whom I do not speak with and is on bad terms and they had disclosed my information to them. This was on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX I am writing this complaint because I was trying to get a refund for my XXXX XXXX account ended up getting sent to a weird customer service to where they try to get my bank card information in my personal information they ended up getting ahold of it in a try to debit my account for {$600.00} {$990.00} On 2 separate transactions and the Remitly Is the company that he was using I have the actual receipts which I will send you a copy of the pictures snapshots of it I did not give him authorization whatsoever he completely lied to me it was completely botched and I had to cancel my debit card and file a report through fraud through XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX sent me a bill for {$610.00} ( {$270.00} account balance + {$340.00} equipment cost ) from an unspecified company. This bill was unknown to me, so I called Convergent, and they offered to send me a fraud packet, which they did. the fraud packet requires a notarized affidavit, a copy of my driver 's license, a police report and a utility bill, and the form ( " Identity Theft Victim 's Complaint and Affidavit '' ) requires a lot of PII, including my driver 's license # and SS #. I XXXX  Convergent and read that they're a scam.

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 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, my husband and I went to get a car loan for a second vehicle because our son recently totaled our 2nd vehicle. When we applied we were denied by several banks, we asked why and they said it was because we were not making our payments on our current vehicle, he said that it claims we were on a deferment, which we were not So I looked at the credit report and it did not have any payments reported to the credit since XXXX of XXXX. I got home and called Wells Fargo Dealer Services, I told them the problem and the man I spoke with assured me it would be handled with in the next XXXX hours and in the mean time he would send me the payment history to prove we made payments and maybe the banks would take that for approval. Still we were denied, we waited a week and checked again, still nothing fixed on the credit report. A few days later I got an email saying payments were reported to my auto loan, I received notification from XXXX XXXX, so I checked, and they reported XXXX and XXXX of XXXX but still did not report payments from XXXX through XXXX.I then made a dispute with XXXX XXXX and it was kicked back as valid or fixed, not my credit says resolved but customer disputes. I called WFDS again and was put on hold for 20 minutes, I ended the call. I then called again and was told since I said I would contact you all I needed to talk to the office of presidents team and they were closed so I needed to call back. I asked the man for the number and he did not have it. I am at a loss right now, I can not get to work without a vehicle, I live in the mountains and can not even go grocery shopping. I am not able to get a car loan because of their reporting, not only that, where did the {$2300.00} in payments go, we are on the final end of our car loan and can not even get a correct pay off because they refuse to fix the missed payments. I can not access the link they sent my payment history on and since I can not access my account online. All payments were made, we were not on a deferment nor did we ask for one.

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 2021-03-11 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I requested specific information from Chexsystems in order to resolve an issue with XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to Chexsystems in XXXX of 2020. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as Chexsystems and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that Chexsystems must have received my letter on XX/XX/2020, yet on XX/XX/2020. Chexsystems generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that Chexsystems is in violation for not researching my request.

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 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dont recognize credit inquiries Two inquiries from XXXX XXXX  dated XXXX and XX/XX/2020 XXXX Call XXXX XXXX and they said that they dont recognize inquiries after 40 days Call Transunion and they wont remove without FTC or police report Asked Transunion to verify or correct the error and basically got the run around about police reports and calling 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 2021-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
The mortgage company charged me a {$6800.00} Va funding fee.As XXXX veteran Im exempt from paying the fee.Talk to XXXX XXXX the loan officer at the time of loan process because he stated he was going to save me over {$6000.00} dollars.I asked him to show me both in an email and a phone call.He never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I originally filed for a refinance with The owning corporation in XX/XX/21. My refinance was expected to close in mid XXXX. In mid XXXX I was noticed that owning corporation was acquired by guaranteed rate. On XX/XX/21 I spoke with XXXX XXXX in the loan origination department. She assured me the refinance terms would be the same and that my loan would refinance soon. I have yet to hear back from them. I am currently working with XXXX XXXX loan processor ; she is late in getting back to me on the status of my refinance. Please assist me as the mortgage term is set to expire on XX/XX/21. Please assist me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to dispute online and by phone about wrong addresses reporting on my credit profile, there should only be one address on my credit profile which is my current addresses. Experian keep telling me I can't dispute addresses I never lived at. The fair credit act states that I have the right to dispute incorrect information on my credit report. Experian has told me to reach out to the data furnisher also known as the creditor to dispute the incorrect addresses. I have done that and the creditor tells me to contact Experian but they give me the run around and nothing gets done. I do not want just another automated message, I want it full investigated

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