vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: NC

Complaint narrative:
I tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for TransUnion, XXXX, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from TransUnion or XXXX. The following inquiries are showing on my credit report do to identify theft need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
This company Credit control , LLC Duba Credit control & collections LLC has consistently been contacting my friend 's cell phones. Disgusting my debt, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances. Gave them settlement amount and told them they can settle for XXXX of the price but we leave a good remark on the credit report After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. She on a recorded line, admitted that I am not XXXX and whoever the other person Is that she's talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations. Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me. Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies. invalid due to incorrect information. On XX/XX/2023 they spoke two different parties of the company breaking FTC guidelines

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 2023-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On the XXXX th of XX/XX/2023 I called customer service at Best Buy Citi bank to get my balance of 2 transactions I made so I could pay them off before moving to XXXX  knowing that there was not a Best Buy where we are moving too and I like to pay my bills in person and in cash They gave me the amount my husband gave me the amount they told me I got in the car drove to the nearest bust buy near me that Ive made payments before but not often being that i dont charge that often before that 2 transactions I had not charged on this card before XXXX and these charges were made in XXXX got into the store started to take my cash out of my bag I brought it into and the cashier started helping put them by hundreds after getting the amount I needed to pay for the 2 transactions made she counted it once after she counted it she called another of her team mates over at the store and he counted it as they were both in agreement and 1 that it was the amounts I needed to pay for the 2 transaction made I confirmed on the screen at the register the same amount the lady cashier put some of the money in her drawer and the man cashier put some in a looked like a bank bag of some sort and put money in there and walked away as I heard from the lady cashier she said isnt that going to make me short he told her no I asked them is everything ok they said yes I was given a receipt for the amount I paid the amount owed per customer service per transactions made and verified by both cashiers I left the store with my receipt in hand On the XXXX th of XXXX I received a call from Citi bank that I was in collections I started to investigate this why I was in collections started a dispute process As I had my receipt of the amount paid Same amount owed token in the store to pay the amount of the transactions made on the card as nothing was charged before or after I knew there was a problem I came back to the area where I paid my bill in XXXX to finish up some things and being that I was near the store and knew theres was a problem and Suggested by Citi bank to bring it up with the store I went to do that after several phone calls and 2 visits to the store the general manager is saying that isnt the amount I paid the amount on my receipt That my receipt is not valid and if I persist in the manner he would do charges of fraud on my behalf I think this is terrible I went in to the store to pay my bill mind you early the statement was not out yet 3 counts of the money by me and 2 cashiers confirmed on the screen at the store and I am treated like 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 2023-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I have been dealing with this issue through Wells Fargo for over a year. 
During COVID I was offered a forbearance on my < {$40000.00} Home mortgage. I have been paying monthly on this loan for over 15 years. 
I was told that I could repay the part of the loan that I stil owed from the forbearance period, at the end of my mortgage payment. I am a XXXX XXXX XXXX and can not pay back {$4000.00} in one payment. 
I was even offered another forbearance loan after this forbearance period ended. I didnt want to have too much to owe back, so I declined the 2nd forbearance offer. 

After a certain amount of time, the bank reposted that I owed them somewhere about {$4000.00} immediately, due to my forbearance. In response, I told them I understood that I was not required to pay the forbearance sum in a large lump sum. I believe that the payments of principal and interest would not be changed, and that I would owe on the the loan for a few more months. 
Wells Fargo responded with many different answers. I have them in writing and I have recorded many of the responses. The first response from Wells Fargo was that I need to open a new account that would " serve my needs better '' This new modified loan would need me to fill out a new mortgage loan application and fo through the entire process of getting a new loan. I was very upset. I told them many times that I didnt want a new mortgage loan account. I asked for them to please just let me pay at the back of the loan, like I was promised. This was never answered. 

Instead Wells Fargo placed an outstanding balance of over {$4000.00} on my mortgage loan account. I continued to pay the monthly premium of {$350.00} by the XXXX  of every month. I noticed that my payments were now not being credited to my principal and my interest. Instead the entire {$350.00} was being credited ONLY to my interest. So for a full year or more, I paid down interest on my loan. They never credited to " outstanding amount '' of {$4000.00} or my remaining principal. 

Im so very upset. This is really stressful They even threatened to foreclose on my home. Please help me. I dont know what else to do. 
Now I can not find my mortgage loan on my Accounts online. I call and spoke to 5 different people in different departments, per usual. From what I can gather, my loan is now in the processes of foreclosure. 

This news is crushing and I really do not know what to do. Please help me. 

Thank you for your attention to the matter. 

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 2023-05-20 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. 

They credit agency and irs contacted me to notify me of what they did.

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 2023-05-20 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: MI

Complaint narrative:
I have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports 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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote 2 checks that were stolen from a mailbox and cashed by the person who stole them. 

On XX/XX/2022, I wrote one check for {$1900.00} from my XXXX Checking account to mail to the mortgage company and I wrote one check for {$1800.00} from my XXXX  XXXX XXXX checking account to pay the building management company. These are monthly payments that I mail to each company. 

These checks ended up being stolen directly from the mailbox. The checks were then cashed by the thief at a Citibank branch. Apparently, this has been happening in the neighborhood, according to the Police. Since, the checks where cashed, I took several months to determine that the checks never reached their destination. XXXX and XXXX informed me that the checks were cashed at Citibank in XXXX XXXX XXXXXXXX. I then opened claims with both XXXX and XXXX. It was found out that not only were the checks cashed by someone other than who they were written to, the checks where cashed without endorsements. I have no idea how this is possible. 

Over the next several months, both banks informed me that they were getting nowhere with their investigations and did not here back from Citibank. Citibank indicated that they were investigating. During this time, I filed a police report. It's been 6 months, and still no resolution has been reached. It seems to me the banks want to forget 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 2023-05-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, I'm having an Issue with PayPal Reporting Policy. I opened an account with Paypal on XX/XX/23. I made a purchase for {$69.00}. On XX/XX/23 I was notified by XXXX that a new account has been added to my report and I have a Balance of {$69.00}. Few Issues with this. 1.The billing period has not ended ; I haven't received a statement, and when I called Paypal I was told that my statement period will end on XX/XX/23 and my balance will be due at the end of XXXX. So why has paypal notified the credit bureaus of my balance before notifying me? 2. I called and spoke with a supervisor to try to get paypal to correct their statement however, the Supervisor I spoke with tried to justify what paypal has done. 

paypal needs to correct that statement they have made to the credit bureaus ; XXXX should have never reported a balance without notifying the consumer of their balance first!

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 2023-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal has limited my account based on the fact that, I had one instance when Ive been using this account for a year plus of fraud. The fraud was on my PayPal debit card, because I filed a claim they permanently limited my account and are refusing to allow me access to my XXXX XXXX  balance for 180 days, yet the email they sent me says I am able to withdrawal any available balance, but my account will not let me. It is a violation of reg e for PayPal to not take my claim seriously and instead of investigate the unauthorized charges on my account they proceeded to just instantly ban me locking my available balance. I expect the limit will be reversed and my funds released to me ASAP. 

Reference ID XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-05-20 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: MI

Complaint narrative:
I have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports 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 non-monetary relief
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: NC

Complaint narrative:
I tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for XXXX, Equifax, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from XXXX or Equifax. The following inquiries are showing on my credit report do to identify theft need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: NV

Complaint narrative:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

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 2023-05-20 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: Statebridge Company
State: CO

Complaint narrative:
I originally had my mortgage with Statebridge Company starting on XX/XX/XXXX. My loan was sold to XXXX on XX/XX/XXXX. I received a letter from XXXX stating that my XXXX mortgage payment was to be to them and not Statebridge. I paid my XXXX and every payment after to XXXX on time. Statebridge did not update my account to show my loan was no longer active with them. They then reported my account delinquent for XXXX and XXXX. This action caused my credit score to plummet XXXX points. My credit score was XXXX before this happened, I worked hard to get it to that point. I opened a dispute with XXXX about this error on XX/XX/XXXX. I sent the letter I received from XXXX as documentation for the dispute. It was not corrected. I called Statebridge and they refused to send me a letter to say my account was closed and was not delinquent. I opened another dispute on XX/XX/XXXX. I called and emailed Statebridge and they finally sent a letter stating that follows : A review has been made to past reporting of your account to the credit bureaus. The review was specific to the following and the actions taken regarding the discrepancies are identified : Dispute : The Borrower is requesting negative reporting for XX/XX/XXXX to be removed and update loan as service released as of XX/XX/XXXX Review Findings : The Loan was reported late for XX/XX/XXXX due to a delay in the Statebridge system to update loan as service released Corrective Action Taken : A correction was submitted to the credit bureaus on XX/XX/XXXX nd XXXX to update the loan as serviced released and removed negative reporting for XX/XX/XXXX from the borrowers account. To obtain a status with the credit bureaus in regards to this correction, you may use the AUD Control Number : XXXX ; which is the reference number associated with the correction. 

The delinquency was not corrected. It still says my account was 30 days late and this will stay on my credit report until XX/XX/XXXX. I have opened yet another dispute on XX/XX/XXXX. I called Statebridge and they said they have responded to XXXX and have made the correction. The dispute is supposed to be resolved by XX/XX/XXXX. This has taken time and energy and a mental toll on me to get this corrected. I feel this error was not taken as serious as the consequences it caused me with my credit. I feel the representatives at Statebridge and XXXX did not take the proper steps to have my account corrected quickly and with good customer service. I do not feel like this resolution was a priority and it should not have happened in the first place. This has caused my undue stress and frustration.

Company response to consumer: Closed with explanation