vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: PA

Complaint narrative:
PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE 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 explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I never took out a loan via Moneylion, I was to validate this debt, where is the original signing and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
Equifax and XXXX  is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to Equifax and XXXX  to fix this issue as I have tried many times myself already with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX I was contacted via telephone from XXXX XXXX XXXX threatening legal action for a debt I supposedly owed for XXXX XXXX  in the amount of {$7900.00}. I asked for proof of ownership of this debt. I was sent an email from XXXX XXXX XXXX showing a debt from XXXX XXXX  with my name and last four of my SSN. Reference number XXXX, Client ID XXXX. I advised them I have never had a XXXX XXXX  account and would like proof of authorization from me to open this account. No proof was sent. I recieve two to three phone calls per day demanding payment. After going online and researching XXXX XXXX, it was purchased by Bank of America in XXXX. I have never had a Bank of America account either. I researched XXXX XXXX XXXX and saw many complaints from consumers stating these same tactics and fraudulent claims of debt from them.

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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I have a Robinhood account, and Im unable to log into my account, I can see pop ups that trades are happening with dodge coin digital Currency with me not logging into the account. I have sent multiple request to Robinhood customer service to try to find out whats going on. You can only request that there is an issue through the app or website, there is no customer service number that you can call. This is completely unacceptable, Im left in the dark. I have been locked out since Sunday XXXX- Current for 5 days without any answers. Any help from the CFPB would be greatly appreciated! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My landlord is in violation of the CDC order by trying to evict me and my XXXX husband who had a XXXX and can not handle this XXXX. He could possibly have another XXXX that could possible be fatal this time. We are going through the courts and I have sent a signed CDC declaration to the court and my landlords. My landlords and their attorney have tried using self-help eviction tactics of harassment which is illegal. I want them to the max in damages in small claims court. I would also like to file a complaint against the landlords lawyer if who is also trying to collect money from this court battle. We are constantly being harassed and threatened by the owners coming by and stalking us, sending the wife 's sister by who broke the front door glass window in which I called the police and they couldn't do anything about it because it was already in a civil court. This incident sent my husband to the hospital with a XXXX XXXX of XXXX which could have caused another XXXX or XXXX We have been sending the rent per to the order of the court and the owners and their lawyer is making it difficult for us to pay requesting a huge amount of money that they know we can not afford. The courts are not honoring the Moratorium therefore, we shouldnt have had to pay at all and the courts should have known this. My attorneys quit on me because they kept charging me more and more during the Moratorium and now I am dealing with the courts via Pro Se and the courts know I have tried my best to keep up with rent while also seeking government rental assistance with the Texas Rent Release Program which is all included on the declaration that I signed. I would like to take them to a higher court verses an eviction court that I'm acting as Pro Se. We are scheduled to receive a " Emergency Writ of Possession '' sometime this week or the next week. 
I would also request a jury trial if I lose in the first court. If need be I have all the necessary documents including a doctors statement to submit to prove my case. This has been ongoing since XX/XX/2020 to date.

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 2021-06-03 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: UT

Complaint narrative:
I have disputed an account with the bureaus previously and it has not been resolved! There a XXXX XXXX Mortgage late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: UT

Complaint narrative:
I have disputed an account with the bureaus previously and it has not been resolved! There a 2 XXXX XXXX  late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.

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 2021-06-03 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I got an email that chase " upgraded '' my card. I live in XXXX. They cancelled my old card ( which I told them not to do ). This leaves me in a terrible financial position with no emergency card. 

The attendant also did a hard credit check without telling me for a credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts : XXXX  XXXX XXXX, XXXX XXXX ( 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXX XXXX. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Under the FDCPA -The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p - '' The FDCPA prohibits debt collectors from making false statements about the character, amount, or legal status of your debt '' Hunter Warfield , Inc. have repeatedly REFUSED to provide legal status or verify this debt despite repeated requests. 
I moved out of XXXX XXXX XXXX after refusing to be strong-armed into paying an additional {$600.00} in " Late Fees '' as it was not in my legal lease ( copy of the lease is still in my possession ). I have written XXXX XXXX who continues to state they have no knowledge of the amount that is being pursued on their behalf by Hunter Warfield.

When redirected to Hunter Warfield, they are consistently refusing to remove the debt while violating the FDCPA by NOT BEING ABLE TO PROVIDE " details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent or any legal documentation that I owe this debt. '' In addition, they have yet to forward details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
Lastly, since they are contacting me from outside my state they have not provided the licensing information from their state. In reading reviews across the web, denial and deflecting are their trademark behaviors. They do not provide proof as they do not have any legal legitimate proof of the debts for which they are collecting. It is their business practice to strong arm consumers into paying debt for amounts they clearly do not owe. 

It is time to stop this unlawful practice and hold Hunter Wakefield accountable. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Transunion dispute letters several weeks ago, via certified mail. Per the USPS tracking number, these documents were received by a Transunion mail sorter on XX/XX/2021. However, Transunion has failed to create my dispute and attach the supporting documentation.

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 2021-06-03 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: CA

Complaint narrative:
XXXX  and Experian is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to XXXX  and Experian to fix this issue as I have tried many times myself already with no results.

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 2021-06-03 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
I recently had a very frustrating and extremely damaging experience with XXXX XXXX Credit Reporting affiliated with XXXX XXXX XXXX XXXX XXXX I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from Experian that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX  had reported that my XXXX XXXX XXXX XXXX  was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.

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 2021-06-03 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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Transworld Systems Inc is harassing me over a collection that is not my debt. It was sent to them by XXXX XXXX who billed me for toll charges ( {$19.00} ) plus {$100.00} fine for being late. It is for a car that is NOT mine and i have no idea who's car went through this toll and didn't pay. The license plate is not mine and not registered to my name. I have called XXXX and they said they'd 'throw it away '. But yet they keep telling collections to keep contacting even though i disputed with them. Attached is collection notice, please tell them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.

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 2021-06-03 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:
XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit Control is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.

Company response to consumer: Closed with explanation