vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : 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 2021-08-11 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: FL

Complaint narrative:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I filed a dispute of information on my Credit Report through XXXX. 

IC System, Inc listed several 'aliases ' on my credit report that were misspellings of my name, and an incorrect address. My name is XXXX XXXX XXXX. 

IC System, Inc placed several incorrect names as aliases on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX. Those three names were " updated '' by IC Systems per a dispute I filed by phone, and just switched back to my real name. Obviously, these are different names and not 'aliases. ' They have not yet removed the other aliases they've added : XXXX XXXX, XXXX XXXX. 

I was not able to dispute some absurd, incorrect spellings of my names and wrong addresses on my credit report online through XXXX, and they say I am required to contact the collection agency to do so. This is despite the fact that the names and addresses are clearly not mine. 

IC Systems, per the dispute, 'updated ' the three improper names they placed on my report by simply rendering my correct name instead. But they did not remove the improper address they placed on my report and instead 'Verified it as accurate. ' And at the same time, they proceeded to " verify '' the debt they placed on my credit report associated with that address. 

It makes no sense that IC Systems would 'add ' several aliases to my credit report and 'update ' those, but not correct a wrong address and debt. I have never lived in Texas, nor do I have debts associated there..

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 2021-08-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I am having an issue with all 3 credit bureaus NOT investigating my accounts. Even if I send certified they may not even respond. I sent VERY SPECIFIC letters to the credit bureaus and they have not responded to ANY OF MY REQUESTS. No updates no letters no mail no anything. Please MAKE them investigate so that I can move forward with my life. I will include the letters I sent ... thank 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
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
My wife and I have 3 mortgages with Union Home Mortgage on rental properties. 

On XX/XX/XXXX we emailed signed requests to remove the escrow from all three properties. We received automated responses with our case numbers. 

On XX/XX/XXXX we followed up by inquiring through their secure message center. On XX/XX/XXXX we receive a reply that UHM anticipated a 20 day response time for this issue. We receive no such response after this. 

In early XXXX, we received a letter that said they received our escrow cancellation request for property # 1. The escrow waiver fee was {$130.00}. On XX/XX/XXXX we sent the check for this amount and UHM cashed the check shortly thereafter. However, UHM still did not remove the escrow. 

On XX/XX/XXXX we inquired again about the status via secure message. On XX/XX/XXXX, UHM responded that they had not received our request to remove an escrow. My original secure message included my incident # for this property from UHM 's automated email response on XX/XX/XXXX. 

On XX/XX/XXXX, we called UHM to remove the escrow. Around XXXX, we received a letter that the escrow was removed for property # 1. 7 months from the start and 2 months after cashing our escrow removal fee, UHM has finally processed 1 of the 3 properties. 

As of XX/XX/XXXX, we are still unable to get UHM to remove the escrow on our other 2 properties. 

More generally, this is not the first issue I have had. UHM 's customer service is a black hole. It is where requests go to die. When forms are mailed to them, they are not processed. When forms are emailed to them, they give you an incident number and nothing happens. When the website 's secure message center is used, the response is that the request is being processed or the forms have not been received ( even though you have an incident number from when you sent the form ). When calling, they either say a form needs to be mailed or only partially process the 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 monetary relief
Consumer complaint received 2021-08-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a XXXX XXXX thru my daughters XXXX XXXX account ( XXXX XXXX, order # XXXX ) with my Chase Amazon card ending in XXXX at the beginning of the year. I tried the bed for a month or so, but I couldnt adjust to it. I made 2 minimum payments while trying it out. I called to return before the trial period was over. Im enclosing the receipt from XXXX authorized rep. of the bed being returned. He said that it would be donated. 
The next bill I received still reflected the balance. I called Chase Amazon to dispute ( prematurely ). The next bill reflected a XXXX balance, but the next bill had the balance re-applied. 
After many hours on phone with XXXX, they had me contact 3rd party XXXX. Im enclosing their response of the investigation. Chase XXXX refuses to credit me. Someone has the money. I have a bill for a bed that I dont have. Nobody wants to take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to XXXX XXXX collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MA

Complaint narrative:
Ive spent 7 months disputing this account based on it not being mine or error as stated, it has been very hard financially being denied for housing based on this data furnished to the credit agency. 

tem was deleted and claimed to be placed in error/ monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several disputes were made to Experian in relation to an account that had to be removed since XX/XX/2020. Experian is reporting negative information that does not correspond to me. The original account belongs to XXXX XXXX  and it was settled.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I mailed a Qualified Written Request to Nationstar Mortgage LLC d/b/a Mr. Cooper ( AKA Mr. Cooper ). After waiting 3 weeks for an acknowledgement of the QWR, I called Mr. Cooper and spoke with XXXX  ( Texas Call Center ). 
She confirmed that they received my QWR on XX/XX/2021. XXXX said that they I would receive a response no later than XX/XX/2021. To this date, I have not received a response from my mortgage servicer concerning my QWR. 

With my mortgage account I setup payment alerts and notifications. On XX/XX/XXXX, I scheduled an electronic payment. I received three emails indicating that my payment was accepted and posted ( XXXX & XXXX ). I received no call or email notifying me of a problem with the payment. Despite the emails stating that the payment was accepted and posted, there was actually a problem with the electronic payment. 

I didn't discover this problem until XX/XX/XXXX, when I was making my XXXX payment. I talked to the a representative and understood the problem. I told the agent that I was immediately going to make the payment for XXXX. I explained to the agent the issue, and false notifications I received form Mr. Cooper. I asked the agent to waive the late fees and asked if the payment wouldn't be considered late because the only communication I received from Mr. Cooper was that the payment posted. The agent understood my issue and agreed that the payment would not be considered late as long as I made a payment. She told that the returned wire fees couldnt be removed. The response was acceptable, and I ended the calling believing that my XXXX payment was not marked a late payment. 

On XX/XX/XXXX, I contact Mr. Cooper and discovered that my XXXX payment was still considered 30+ days late. I talked with XXXX XXXX, and explained to the agent the situation. XXXX told me that Mr. Cooper would investigate and get back to me. I asked for a time frame, and she said she couldnt say, and that I would be notified once it was complete. To this date, I never received any additional response from Mr. Cooper regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX SER Bank XXXX XXXX XXXX date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXate : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXn personal Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
i have an account i opened with one main finance XX/XX/XXXX the payments i was only about to access from the company only covers 1 year and i noticed the payment allocation to principal and interest doesn't seem to be corrected i call first then stop in the office XX/XX/XXXX and was told my staff any time the payment is late then the allocation would look that way. that doesn't make since even when the payment was on time the same thing happened for example for XX/XX/XXXX {$310.00} due XXXX paid on XXXX {$53.00} went to principal and {$260.00} went to interest, XX/XX/XXXX same due date paid on XXXX {$7.00} when to principal and {$300.00} went to interest. Over the past 12 months the company has received {$3000.00} in interest and {$510.00} to principal the loan was for {$8700.00} at 60 months 35.99 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive put I. Multiple disputes with Experian regarding XXXX XXXX personal loan reporting 60 days past due XXXX - XX/XX/XXXX. I submitted documentation provided loan details never late. However its was removed from the Experian profile so how it reporting again as 60 days past due which its hurting my credit score. This negative information is impacting my credit worthiness. I spoke to a supervisor on XX/XX/XXXX her name is XXXX reference # XXXX. She open another dispute with XXXX XXXX. This the 6th dispute within a year.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I obtained a secure credit card from wells fargo in XXXX. I was told that if i pay my bill on time that my card would graduate to a regular credit card ; later i was told there were other factors involved in the graduation process. from then on every time i inquire about the cards graduation status they tell me for different reasons my card is not eligible to graduate. they never disclose the exact reasons why, they only say maybe your credit score is too low or there are negative items on your credit. when asked if there is a threshold for credit scores they say they dont know. when asked what are the negative things on my credit they dont know. they cant tell me what my credit score is or what specifically is negative on my credit report so that i may address it. they continually deny the graduation of my card and do not provide a adverse action notice.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card with Elan Financial. But every time is Elan Financial calculates Reward Point " willfully '' wrong and also, it does not allow me ( other consumers similarly situated ) to redeem Correct Reward Points on-time. There is always a story, Not XXXX, Not XXXX and story goes on ... ... ... ... ... ... ... ... ... ... ... .. Elan Financial is engaged in massive consumer fraud. Once I get reward points, I plan to close this card. Operators are racially abusive and discriminatory. This is not the first time I complained about Elan, this is the third time with no resolution.

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 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has been impossible to deal with. They do not return calls ans failed to resolve the time sensitive issue. Weeks have passed. We are unclear why they associated with poa with a XXXX account that was not requested. The poa was supposed to be associated with the line of credit. Also, I inquired about an overdraft question. I have received no response. XXXX has not reached out to me with a resolution.

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