vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I requested that my Credit union attempt to recover funds I wired to XXXX per the situation summarized next. They said they could not help me. I wired {$85000.00} between XXXX and XXXX to the " Escrow '' account. After eight wires, they said they would not wire any more funds for me, but they would not tell me why. I asked my credit union if this was a scam and I also reached out to the wire company and asked them if I was subject to a scam and they said they could not tell me anything except that they would not wire any more funds for me. I found the Escrow company listed on the North Carolina government page under businesses and it even listed the person at the company with whom I was working - XXXX XXXX XXXX XXXX, XXXX XXXX, so I thought this transaction was legitimate. I proceeded to send another {$80000.00} through my bank. This was my life savings and it is now gone. This was the biggest mistake of my life and I can not believe how easy it was to have so much money stolen. I signed up to sell a timeshare and make a decent profit as I had selling my house, but wound up in dept, ashamed, and broken. These people must be stopped. 

SCAM : I was called by a XXXX rep in XXXX and asked if I wanted to sell my timeshare at the XXXXXXXX XXXX in XXXX. I said maybe. I was sent a letter of intent to purchase and I checked the North Carolina Gov website to see if this business was listed and it was. I signed and returned the agreement. XXXX XXXX with XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX, phone XXXX, email XXXX emailed me information about the opened escrow account. I was told I would need to wire funds on different occasions, but that I would be reimbursed. I checked the North Carolina Gov website to see if XXXX XXXX was listed and it was and even indicated XXXX XXXX as the owner. I proceeded to wire and then bank transfer funds as requested, but at one point asked for some type of guarantee that his was not a scam and that I would be paid. XXXX XXXX XXXX CEO XXXX XXXX  called me and sent me a notarized affidavit guaranteeing that I would be paid. The last time I talked with XXXX and XXXX on the phone they told me the funds should be in my account within 48 hours. That was now over a week ago and my repeated phone calls, voice mail messages and email have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 have contacted these companies on why my report was pulled without my authorization and they state they can not give me any information. These include XXXX on XXXX, XXXX XXXX on XXXX, XXXX and XXXX, XXXX on XXXXand XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XXXX, XXXXXXXX XXXX XXXX on 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 explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so XXXX rounds in 6 months with nothing from any of the bureaus. I just sent out a XXXX round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!

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 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I have a collection that showed up on my credit report for XXXX XXXX at XXXX. They have sent it over to Professional Finance as a debt collector. I have called PF to ask for details of what the charge was for - they have refused to provide that and instead sent me back to XXXX which I have documented XXXX different billing departments and phone numbers to follow-up with to determine what was sent to collections and NO ONE can tell me what it is. I have gone through all my insurance EOB ( explanation of benefits ) and there is nothing that shows I have {$150.00} due as a patient responsibility. 

When I went back to PF and told them this was erroneous they told me to just pay it. I said it fraud - its not backed by any data or fact and you can't even tell me what it is for - I was then hung up on. I tried calling back and got a voicemail and left a voicemail asking that they send me the details in writing via email or snail mail or take this off of my credit report until they can find the details that shows this is truly an amount due as XXXX - all XXXX of their billing departments can't track that this is due and you have no prove up - so remove it. 

I have now repeatedly received calls with XXXX XXXX, demeaning words, telling me to pay it or my credit will be ruined due to my paying what is due. I still to this day can't get any details from any of the XXXX XXXX entities or this collection company. Based on how they have treated me as a human - I want this removed from all three credit agencies at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: NE

Complaint narrative:
The company continues to call me with local numbers. They will not advise me of their client until I provide personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
I have provided information to Equifax and XXXX regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my XXXX report to Equifax and XXXX to follow suit so that my credit report is the same across all 3 credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to XXXX and Equifax for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Our Mortgage is currently with PNC Bank. The escrow analysis was done incorrectly. They estimated our city tax to be the exact same as our county tax. County Tax is approximately {$1600.00} more than city tax. I have called to have them do another analysis and sent them the current city tax bill. They conducted another analysis with no change. They also paid the correct, lower amount, city tax bill out of the escrow account. We have contacted them several times trying to get this fixed. They always reply it will only take a day or two to complete then it will be fixed. We have been trying to correct this XX/XX/2020. This is impacts our monthly payment making it higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-22 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Letters sent in regards to inaccurate information with XXXX, XXXX, XXXX. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from XXXX. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.

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 2021-01-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter to XXXX XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ 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 2021-01-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to XXXX Equifax, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I received a notice that I did not have proof of insurance. I then submitted proof that I had insurance, but they force placed insurance for the time that I was unable to prove. They stated that I signed a document that they still have failed to show me where I signed for this. Select Portfolio Sevicing sent me a notice and an amount of XXXX for insurance that was back dated. They charged my account XXXX. How is a company allowed to charge for insurance on dates that have already past with no claims? Also, I have paid out of pocket for claims that I could have submitted. In conclusion, I am still waiting for my proof of signature that would even allow to back date insurance. 
If this is legal, then I would like to take out life insurance on family that past away!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a Synchrony Jewelry Luxury card in XXXX with a promotion that if I pay in full in 12 months, they would not charge interest. I paid in full within the 12 months and received a bill in XX/XX/XXXX showing an interest charge. I called them and they said they would remove the interest. In XX/XX/XXXX I received a bill with an interest charge and late fee. I called again and they said they would take care of it. I got another bill XX/XX/XXXX and XX/XX/XXXX. Both times I called and they said they would take care of it. Finally in XX/XX/XXXX it showed a zero balance. They then reported to the credit bureaus I was 120 days late with my payment. I called Synchrony on XX/XX/XXXX and explained the situation. The representative said he could see it on my record, it was clearly a mistake and that it would be removed from my report within 30 days. I received a letter dated XX/XX/XXXX from Synchrony stating their records show they are correctly reporting the account with a number to contact them if I had any questions. After being disconnected 3 times, I finally spoke with a Supervisor who told me there is no more to be done. How can they get away with this? The account is closed but they were able to access it by the last 4 of the account XXXX and my phone number 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 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica
State: FL

Complaint narrative:
My Direct Express debit card PIN number was veiwed and card stolen and withdrawn for almost XXXX} on XX/XX/2020 from XXXX XXXX on XXXX XXXX. I have the police report and illegal ATM withdrawals statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have tried to fix this issue with SYNCB/CARE CREDIT for over a year and they will not correct this error. They have an account attached to my credit report that is not mine. This is my ex-husband 's XXXX XXXX - many years ago he added me as an authorized user but that was closed upon our separation. 

As well, legally the debt and/or credit card is under his name and as a user this is illegal to add to my credit report. I have requested them to take this off my credit reports for over a year with 6 documented written requests. 

This is not my debt. 
This is not my credit card. 
This needs to be removed immediately from all three of the credit reporting agencies immediately.

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 2021-01-22 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: NJ

Complaint narrative:
I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!

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 2021-01-22 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: LEXISNEXIS
State: DE

Complaint narrative:
On XX/XX/2020, I requested that LexisNexis validated the Banktuptcy listed on my LexisNexis consumer file. I received no answer, and on XX/XX/2020 I sent a follow up letter again requesting from LexisNexis to send me the documents that they used to verify the bankruptcy, and if such documents can't be produced to delete from my report. I received a letter back from LexisNexis on XX/XX/XXXX, more than 60 days after my initial request, dated with XX/XX/2020. In The letter LexisNexis claims that they verified the bankruptcy and it's accurately reporting on the report. They failed to fulfill my request to provide the documents and procedure they used to determine the accuracy of the disputed bankruptcy. In the letter LexisNexis include that the Fair Credit Reporting Act gives me the right to request a description of the procedures used to determine accuracy, however they fail to provide said information as requested in my 2 letters sent to LexisNexis in XXXX and XXXX. Furthermore neither court or pacer report to or verify accuracy of information to 3rd pats companies, and existence of the information is not evidence and can't be used to verify who it belongs to. LexisNexis Case numbers listed on the communication sent to me : XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation