vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been complaining against XXXX XXXX XXXX XXXX for 4 years. Just in the last four months I have complained 70 times with Consumer Financial Protection Bureau. XXXX XXXX absolutely did not have permissible permission to access my personal information which led to two fraudulent loans to thieves. I have requested the permission to help XXXX XXXX prove they didn't have the permission. XXXX XXXX  simply labels all complaints and request as duplicate and ignores the CFPB. I have requested Transunion and XXXX to assist and review the information for completeness and accuracy. They do nothing but shuffle paper and ask their client XXXX XXXX to verify they are reporting correctly. Sometimes Transunion and XXXX have informed me that XXXX XXXX has mailed a response and feel like they have done their American duty. The response from XXXX XXXX is actually a request for more of my personal information so XXXX XXXX can do a fraud investigation that my personal information was not obtained illegally.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed an account of mine without any prior notification, and have negatively affected my credit. 

I have several relationships with Synchrony Bank, and have been a customer for over 10 years. I got a notification this morning from XXXX XXXX that one of my account was closed. In checking, I noticed Synchrony had closed my XXXX XXXX line of credit because it's been 3 years since I used the account. Why I am filing a complaint is because they closed this account without any prior written or verbal communication to me in that regard. When I contacted them, they informed me they would not be able to open the account again, and if I wanted a new account I would have to apply. I've had this account open for 7 years, and have never missed a payment. They just recently even increased my limit. It isn't typical that car tires are replaced but every 4 years. By them closing the account it has affected my average age of credit and lowered my credit score. If I apply for a new account, it will only further lower my credit score, this was a horrible experience, and it's extremely unprofessional. If it was a matter of me using the card then you should have sent me a notice, and I would have happily used the card to keep the account active.

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. Transunion, XXXX XXXX XXXX continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, Transunion, and XXXX have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage refuses to let me make a payment on the forbearance COVID 19 mortgage payments for a 3 month period in 2020 totaling {$4200.00}. 

My credit score is XXXX and I have no debt except this mortgage With Wells Fargo {$260000.00}. 

Wells Fargo is listing the forbearance amount as a unpaid second principal balance of {$4200.00} on my mortgage statement. 

I am unable to obtain a mortgage for another property based on the issue above. 

It was not disclosed to me that I would not have the opportunity to pay this balance off until the end of the loan term which is 30 years. I will be unable to secure any addition financing during my lifetime based on this unscrupulous tactic. 

I want to pay the {$4200.00} balance off. This amount is not an unpaid second principal balance which makes my financial situation look derogatory.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
the Economic Incentive payment card I was sent does not work. I can access the Money Network website but I can not wire money out. I can not Activate the card because I can never get a hold of anyone on the 800 line. Therefore, the money XXXX approved is not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello I have been trying to get in contact with all three credit bureaus EQUIFAX XXXX AND XXXX since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am a single mom with XXXX kids who suffered extreme XXXX XXXX XXXX XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- Mr. XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: CA

Complaint narrative:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 3RD TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

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 2021-02-03 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: LoanCare, LLC
State: NV

Complaint narrative:
We sold our Property on XXXX. We ordered a payoff in XX/XX/XXXX to payoff the property due to selling the home. We made our XXXX payment on XX/XX/XXXX. as we always do each month. After we sold the home and paid off the mortgage we received an alert that we had a 30 day late payment on our credit for the month of XXXX. I spoke to LoanCare LLC on XXXX XXXX. concerning the issue. I explained to them I have the Confirmation email that the payment was paid. They stated they didn't see a payment was made and I should just dispute the late payment through the CFPB and the 3 Credit Bureaus as their internal dispute department would take up to 90 days. I need this rectified as soon as possible, so that is what I'm doing. I'm filing the dispute and reporting this error with the CFPB and the 3 credit bureaus. I am uploading the confirmation email I received on XX/XX/XXXX that I had made the payment. Thank you. 

Lenders Info : LOANCARE , LLC XXXX XXXX XXXX XXXX XXXX VA 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 2021-02-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I have been trying to get in contact with all three credit bureaus XXXX XXXX AND TRANSUNION since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.

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 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: AZ

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove these accounts from my report as I do not recognize them, they are not mine and I do not know how they appeared in my report. I am identity theft victim and please help me. I am forced officially complain about that you are reporting inaccurate and incomplete credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I transferred from my Bank of America account to my account in XXXX on XXXX XXXX {$1.00}, in order to pay a home loan and the funds never arrived, on other occasions I had done it without problems I contacted the bank 's Security Department by phone in XXXX / XXXX in view that it had taken many days and they told me that they would refund the money in 30 days, which did not happen In XX/XX/XXXX I traveled to the United States and on XXXX at the XXXX XXXX XXXX FL agency, the advisor XXXX XXXX took the claim under the number XXXX and so far they have not returned my money, I have called many times and they only tell me that it is under review, I have never received any communication about why they have not refunded my money Number Ref 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 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I filed a complaint about Eastern Account Services, a debt collector, to the CFPB. My complaint case number is XXXX. On XX/XX/2021 the CFPB sent me a response from Eastern informing me " Eastern Account System has ceased all collection activity per your request '' and closed the complaint. This afternoon, XXXX XXXX from Eastern Account System, called me about this same debt that is not owed. He claimed he has no notes in his system that they dropped the claim. I forwarded to him the case response I received from the CFPB. 

Please contact them and ask them to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I received a notification today that an item from National Credit Adjusters reported an item on my credit that is NOT MINE. The original creditor on the account is XXXX. I have never had an account with XXXX. I have disputed this account numerous times with the credit bureau 's and contacted the creditor and informed them that this account is identity theft. I have sent in the identity theft affidavit and letters to inform them that this account is not mine. I would like to request that this account be eradicated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 3rd time submitting a complaint about having inaccurate information still reporting on my credit report. Experian is not cooperating with me on this matter and refuses to remove all fraudulent and inaccurate information from my credit profile. Experian keeps giving me the same auto-responses and they are avoiding me and refuse to look into this matter. 

It has been over 120 days & I feel like Im being taken advantage of and being ignored of my disputes. The law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-02-03 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: NC

Complaint narrative:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 3RD TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I cancelled the extended warranty onXX/XX/XXXX and was expecting to get a refund ofXX/XX/, this what XXXX said at the dealership. I called back a month later and she said that the check was sent to Ally. I called Ally and they said that they received the check on XXXX for the amount of XXXX i asked them for the monies and the lady said that we keep the check. So, I called back when I paid the loan off and a lady said, she wouldn't have to give me anything, I explained that this was illegal and she said make a your call to whom ever I needed to, but that the monies were applied to my account. When I asked her to show me where it applied to my account, because what I showed it was never applied to my account. This is when I contacted the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

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