vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: IN

Complaint narrative:
Equifax was sent certified mail. They are in violation of my rights as a natural person consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY! 
I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
There have been many damages done from these companies to my consumer report and in pursuant to 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector. Some of these collection accounts are medical bills and in pursuant to 15 USC 1681 ( a ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LOAN TO LEARN
State: OH

Complaint narrative:
In XXXX, I was notified that I no longer qualified for a rate reduction that had been applied to my student loan since XXXX. I inquired to the loan servicer, XXXX, and originally restored the rate. Then the rate was reduced again and they said the loan originator verified that the rate reduction was for on-time payments and I did not qualify. I checked my credit report and there are no late payments reported. The loan servicer said I had to follow-up directly with the loan originator, who could be reached by email or phone. I spoke to XXXX from Loan to Learn on XX/XX/XXXX. I requested payment history, which was emailed to me. 
There are two spreadsheets that were emailed to me Friday XX/XX/XXXX. The first spreadsheet was when Loan to Learn, the loan Originator was also servicing the loan. The second spreadsheet was after the loan began being serviced by XXXX XXXX. 
This opened my eyes to a larger potential problem that has not been answered since that point in time. 

For the period of time, XXXX payments totalling {$14000.00} were apparently not applied to principal nor interest. The balance remained at {$42000.00} from XX/XX/XXXX ( the date of disbursement ) until XX/XX/XXXX. 

I have requested, in writing and by phone, an explanation from Loan to Learn and XXXX. 

My last verbal conversation with XXXX with XXXX XX/XX/XXXX, he suggested I seek legal counsel. 

A complete audit should be done by a certified accountant from disbursement, interest, fees and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I settled the account with Midland back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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:
There are two " hard '' credit inquiries on my TransUnion Consumer Report from XXXX XXXX  XXXX XXXX, dated XX/XX/2021 and XX/XX/2021, respectively. Additionally, there is an inquiry from XXXX XXXX XXXX ' XX/XX/2021. I do not recognize any of the aforementioned inquiries. On XX/XX/2021, I wrote to the inquiries to request proof that I authorized said inquiries. 

On XX/XX/2021, my letter to XXXX XXXX  XXXX regarding both inquiries was returned to me as " Undeliverable as Addressed '', despite using the exact address on the hard inquiry. So far, XXXX XXXX  XXXX has been completely unreachable to verify the inquiry. 

XXXX XXXX XXXX ' has since identified the inquiry as fraudulent and provided both myself and my husband XXXX XXXX with permission letters to have the inquiry removed. Said letter was promptly provided to all three credit bureaus, including TransUnion. So far, TransUnion has failed to remove the inquiry nor acknowledge 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 non-monetary relief
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
How many times do I need to complain about this before the CFPB takes action or are you folks in the pockets of the credit reporting agencies? On my last set of complaints, I reported that EQUIFAX has and continues to show duplicate accounts over and over again. These accounts and balances are counting against me for utilization as well as a debit ratio. I am yet again providing information obtained directly from EQUIFAX credit monitoring which I pay for. Insult to injury considering the morons they have working for them in the investigation department. They could not investigate their way out of a XXXX corner. Lastly, HOW many times is it going to take for EQUIFAX to remove the 24 fraudulent credit inquiries that are on my report? I have submitted to these idiots my identification which they claim for the last 10 times submitted they um never got ; along with my FTC affidavits. Again lost in the mail or cyber mail or fax. I am going to give the CFPB one last chance to hold EQUIFAX accountable otherwise my next course of action will be to sue EQUIFAX in federal court and make the CFPB look like a bunch of XXXX because it could have been resolved however this government organization seems to have no teeth what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting my credit.

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 2022-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: IN

Complaint narrative:
Transunion has been contacted via certified mail. They are in violation of my rights as a natural person consumer.

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 2022-02-15 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: PA

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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: VA

Complaint narrative:
XXXX  XXXX : Cornerstone Home Lending , Inc. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX We purchased the home in XX/XX/XXXX. 
The home requires flood insurance. 
At closing everything was presented as in order with the escrow. 
Within a few months, Cornerstone was sending us letters saying we did not have flood insurance and that they would purchase a policy. It took a several months and many emails to get that straightened out. Around XX/XX/XXXX, we received a bill from XXXX ( flood insurance company ) for the renewal of the policy. The bill should have been sent to Cornerstone. I paid the bill to ensure we did not have a lapse in coverage ( I was aware of the chaos of Cornerstone and XXXX ). Around XXXX XXXX Cornerstone started their threatening letters again about not having coverage. Cornerstone and XXXX went around and around as to policy numbers, payments and coverage amounts, and correct mailing addresses. I filed a complaint with the NC Department of Insurance. XXXX recommended I file a complaint to this department. I received several more threatening mailings ( USPS ) from Cornerstone about not having coverage or adequate coverage. 

I received reimbursement for my payment from XXXX last week. I have heard nothing from Cornerstone ( by USPS ) that the escrow issues have been resolved or that coverage is paid and adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
I made my payments for XXXX and XXXX they shredded one of the money orders for a XXXX dollars. So I sent copies of both money orders with my XXXX payment and the express receipts showing when they where received. I didn't get a response so I file a complaint XXXX of XXXX they stated they would have a research team look into it and I have still got a response and they are trying to charge me late charges. I have copies of the money orders and Express forms and all the email correspondences. I am not paying for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I made a purchase to XXXX for {$39.00}. The item I received was not the item I ordered, more of a cheap knock-off. I contacted the merchant several times to return the item, they would never give me the information to return the item. I then disputed the charge with my Wells Fargo XXXX XXXX card. I sent several correspondences to Wells Fargo that I had with the merchant. Showing how they would not respond to my returning of the item. The credit card company incompetently handled this dispute. The merchant told them I could return it, but I was never given that information. They did not investigate this dispute thoroughly.

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 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XX/XX/2022 I went to Wells Fargo XXXX XXXX, TX bank and with the help of a banker filled up the corresponding Wire Transfer Services, Outgoing Wire Transfer Request in order to send to my bank in XXXX XXXX the total of my " Everyday checking account '' XXXX {$220000.00}, the banker told me the amount would be in XXXX in XXXX minutes ; the transfer has not been sent yet, XX/XX/2022. The Wells Fargo manager XXXX XXXX phoned on XX/XX/2022 and said he would start a new transfer procedure without my signature. But by now there are zero dollars in my account and I do not know where is my money. My telephone calls to that bank manager have not been answered nor my emails.

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 2022-02-15 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: TX

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX co - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XXXX XX/XX/XXXX XXXX. XXXXl XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress SERVE bank acct. 
Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. 
I immediately opened my mobile acct and seen XXXX un-authorized withdrawls were recently made by ATM in the borough XXXX XXXX, NY. 
After placing a freeze on my acct I contacted America Express Serve. 
I notified them that I had experienced this same type of fraud an previous time with my SERVE acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my SERVE card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. 
At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. 

DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY XXXX  XXXX XXXX After making my initial contact with SERVE cust service, I have been unable to reach anyone at the telephone I made the claim. 
Past 10 days the automated number disconnects when you request to beconnected an agent. 
I just received a letter from SERVE stating after their investigation they were declining my claim on card ending XXXX. 
The card with un-authorized charges ended with XXXX. 
Card ending XXXX is the replacement card Ive yet to receive. 
I would appreciate any help you can extend. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021

Company response to consumer: Closed with explanation