vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
I have sent multiple letters to Transunion asking them how they verify an alleged bankruptcy case thats showing on my credit report. They always respond with they verified through courthouse which I called them and wrote to courthouse they said they never report to a any bankruptcy courthouse. So Transunion is lying and stating incorrect information on my credit report.

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} EQUIFAX XXXX XXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX - XXXX SERVICE Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXXXXXX Owed : {$8100.00}

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened XXXX checking account on XXXX XX/XX/2021 with a promotion which states : within 45 days, do 5 transactions using your debit card and account will be credited with {$300.00}. 
I have already done 5 transactions using my XXXX debit card on XXXX XX/XX/2021. When i called kabbage - there is a long wait of more than 45 minutes and still no human being available to talk. I tried sending emails and getting response - but no response from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To whom this may concern I was a victim of Identity theft on XX/XX/2018 by a Potential employer They requested my XXXX  Docs and I did provided to them. I do have a Police report number with XXXX the incident # XXXX Date the report was filed XX/XX/2018. I have a open collection with National Credit systems for over 9 K that I didnt open nor have knowledge of. Please correct this Thanks. If you have any questions please feel free to reach me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month XXXX loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
The Money Source ( TMS ) was my mortgage servicer and I refinanced with XXXX XXXX  effective XX/XX/XXXX. XXXXXXXX XXXX wired transferred to TMS on XX/XX/XXXX, provided to confirmation number : XXXX. Email reply on XX/XX/XXXX, from XXXX XXXX from XXXX XXXX ( processor of refinance on behalf of XXXX XXXX  ) : Additionally, our payoff to The Money Source was successfully sent via wire on XX/XX/XXXX. The confirmation number is XXXX. Today, XX/XX/XXXX, TMS reports receipt of funds for XX/XX/XXXX and charged late and other fees that were not recorded in their " payoff statement ''. These TMS fees were labelled as " Irregular payment charge '' for : {$270.00}. However, in my XXXXr TMS statement, TMS notified late charge of {$270.00} would be applied if payment was received later than XX/XX/XXXX. Therefore TMS has charged me the above stated amounts with no justification since my mortgage payment was due by XX/XX/XXXX, and XXXX XXXX fully paid my principal and interest and more by XX/XX/XXXX. 

Further, on XX/XX/XXXX, XXXX XXXX paid TMS {>= $1,000,000}. The Payoff StatemenXXXX provided by TMS, attached informed payoff amounts as : 1. Current unpaid Principal Balance is : {>= $1,000,000} Interest at 3.00000 % XXXX Recording Fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Fees XXXX Payoff Statement Fee XXXX * * * * TOTAL AMOUNT TO PAY LOAN IN FULL * * * * * {>= $1,000,000} *** TOTAL AMOUNT PAID BY XXXX XXXX  XXXX ( {>= $1,000,000} ) TMS Payoff letter ( attached ) does not list any additional fees that they have charged me ( listed in 1st paragraph for {$270.00} ). Per TMS 's XX/XX/XXXX statement, the {$270.00} refers to late charge if payment were submitted after XX/XX/XXXX. 

I therefore accuse TMS of making 2 inaccurate accounting errors and 1 Untimely payment of overpaid mortgage payoff funds due to borrower for : 1 ) False accounting of recording mortgage payoff payment receipt as XX/XX/XXXX when confirmation from XXXX XXXX ( refinanced bank ) shows wire transfer on XX/XX/XXXX. 
2 ) False or unexplained additional fee of {$270.00} that is not explained anywhere in their PayoXXXX Notice. 
3 ) As of today, XX/XX/XXXX XXXX is still holding the overpayment of over $ XXXX due to me. 

XX/XX/XXXX - After numerous attempts of calling TMS from XX/XX/XXXX currently, I was not allowed to speak with anyone but the " customer service '' agent who stated that a supervisor needed to be contacted. I waited to speak with a supervisor for 43 minutes but no supervisor picked up the phone. The operator instead came back after 43 minutes stated that supervisor was still not available and that a supervisor will call me and as of XXXX XXXX I received no call back. The customer service agent reported that TMS intends to pay me about {$9600.00} but that this check has not yet been made. The fees of question was an issue the customer service agent could not explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. XXXX accepted my authorization and said they would continue with the complaint and I have not received a response yet. Experian said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely distressed at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My father passed away in late XXXX. He had a home with a mortgage being serviced by Wells Fargo. The home was passed to my sister and myself through probate. 
In XX/XX/XXXX, I called to inquire about the CARES Act and forbearance. I was told that as a potential successor-in-interest, I could enter forbearance. I had been paying the mortgage until then, and discussed what happens at the end of forbearance. I was told that I could tack the differed payments onto the end of the loan, pay them off in whole, or ask for a loan modification. I said I wanted to move the payments to the end, but was informed that it had to be done at the time you actually call to stop the forbearance. 
Towards the beginning of XXXX, I started calling to inquire about ending forbearance. I started being told I could no longer move the payments to the end of the loan because it was " not my loan ''. I explained that I was the one who entered forbearance, and was told how I could resolve it. I was told they stopped allowing people who inherited a house to move the payments to the end. I had ONLY two options : the first was to pay all the missed payments in a lump sum and then continue to making the payments as normal, or secondly, to apply with Wells Fargo for a new mortgage loan under my own name. I was told that Wells Fargo was only following XXXX XXXX XXXX rules ( who owns this particular mortgage ). I spoke with a XXXX XXXX representative, who explicitly stated that they do not tell Wells Fargo to limit a customer 's option for ending forbearance, and that all available options should be offered to me for any loan they own. Unfortunately, XXXX XXXX does not have the power to make Wells Fargo do the right thing, so referred me to the CFPB. I even contacted my U.S. Representative, though his office was unable to do anything for me than to contact XXXX XXXX. All I have been trying to do is to do what millions of other Americans have done- move the payments deferred under forbearance to then end of the loan. I do not have the money necessary to pay a lump sum of all deferred payments, nor can I ( nor would I ) apply for another entirely new mortgage with Wells Fargo. This bank needs to be held accountable for yet another way they have found to take advantage of their own customers.

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 2021-12-06 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: MI

Complaint narrative:
I have tried to dispute with all XXXX credit bureaus multiple times each. I have reported to all XXXX bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so XXXX they still aren't verifying anything despite it all being FRAUD. I need help.

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 2021-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month auto loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. 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 2021-12-06 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: NY

Complaint narrative:
I have called transunion numerous times. They have agreed to delete these inquiries and it is still reflecting on my report. I want these inquiries deleted immediately. They are in violation of the laws.

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 2021-12-06 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: CA

Complaint narrative:
On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. Transunion accepted my authorization and said they would continue with the complaint and I have not received a response yet. XXXX said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely XXXX at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.

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 2021-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I got admission from the XXXX XXXX XXXX XXXX College of Law. I just found out that Williams and Fudge ( 1st ) made collections illegally and even made false report to credit bureaus to ruin law school student 's life totally. William and Fudge ( 1st ) obviously violated federal law and guideline, XXXX dollars small amount in the law schools ( XXXX, XXXX XXXX XXXX XXXX, XXXX law school and XXXX University law school ) and the medical  schools ( XXXX, XXXX etc ). I got traffic incident and according to consumer financial protection bureau case Complaint Number XXXX. XXXX XXXX failed to pay emergency fund to traffic accident 's victim XXXX XXXX and his children. Williams & Fudge did not exercise humanitarian relief for victim XXXX XXXX and his children. lt is XXXX hate discrimination to ruin XXXX XXXX life. XXXXXXXX XXXX failed to provide proper urgent payment to victims within reasonable time. I have visited Doctor of XXXX XXXX ( XXXX ) for treatments over months since this accident caused by XXXX XXXX of XXXX XXXX. Due to this incident, I could not pay XXXX dollars to the XXXX XXXX XXXX College of Law ( of XXXXXXXX  XXXX University ). Due to this, I am not able to get transcript and it is hard to register classes for my law degree program ( I study intellectual property laws and patent laws ). 

US Congress, Senate and US Federal government will investigate whether Williams & Fudge abused XXXX XXXX who is currently law school student.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: LendKey Technologies, Inc.
State: VA

Complaint narrative:
I contacted them back this summer trying to reduce the monthly payment due to covid. The representative stated the payment could not be dropped. 
I received an email in XXXX notifying me that payment will go up in XXXX,. I contacted the company once again today XXXX and logged into my account the balance had almost doubled and was told interest accumulates everyday. This is totally unfair how can make headway to an account paying a monthly payment and accruing interest everyday. 
This will drag on for over 10 years. She didn't give any solution and just was like yeah, interest is everyday. 
This is worst - getting a student loan. Trying to get them to work with you and even with covid. No assistance but to default. They give no resolution or try and help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I made an online purchase at Kohls for XXXX on XX/XX/21. A small part of the order ( around {$36.00} ) was delivered. The rest of the order never shipped, so I called on XX/XX/21 and was told that shipment was never given to the shipping company ( who I also contacted ). I was told that I would receive a refund within 7 days. When I didnt receive the refund, I called back and was told no refund was ever processed. Supposedly the refund was processed again and I was told to wait 7 days again. After 7 more days and no refun and 4+ hours trying to talk to someone I was told the exact thing for a THIRD time ( well process the refund and youll have it in 7 days ). In the meantime I received an email ( after my refund had supposedly been processed ) documenting that they never sent my merchandise. They are running a scam so they can keep my money and the interest Im being charged when they ( based on their own admission ) never sent the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I checked my report on XX/XX/2021 and see this negative report and is affecting my credit file.

Company response to consumer: Closed with explanation