vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: CA

Complaint narrative:
On XXXX XXXX, XXXX I was the victim of identity theft. I followed all the necessary reporting steps, including reporting it to the 3 credit reporting agencies. I contacted the companies that were involved in either granting credit in my name to the thieves or who had reported and inquiry into my credit. This week, I became aware that TransUnion had not removed the initial fraudulent inquiries off of my report, and had allowed another inquiry on XX/XX/XXXX ( even though I had put a freeze on my credit and had fraud alerts on my account ). I contacted TransUnion and they said that I had to contact the companies that received the credit requests. I contact the first creditor ( creditor # 1 ) and they assured me that they had, in fact, sent documentation to TransUnion in XXXX of XXXX letting them know that the credit application was fraudulent. They agreed to send it again. The second creditor ( creditor # 2 ) no longer had the application in their records, so they were unable to send any documentation regarding the XX/XX/XXXX credit inquiry. I then called Trans Union again, the first person I spoke with told me that they could see that creditor # 1 communicated with them, but that she needed to forward me to the fraud dept. She forwarded me, and that person also told me that they had notes from XX/XX/XXXX about receiving communication from the creditor # 1, but that she would need to forward me to a supervisor. I was then forwarded to a man who introduced himself as XXXX and identified himself as a supervisor. After explaining the situation, he said that they showed no communication from creditor # 1. I told him that two other TransUnion reps had told me that there was communication. He said that there was none. I told him that I had already been told that there were notes in my file stating that creditor # 1 had communicated with TransUnion on XX/XX/XXXX. He said " that is incorrect and those employees will be disciplined ''. After that, he was short with me and minimally helpful. I asked how it was possible that the other two reporting agencies had removed the fraudulent information from my credit report promptly and had not allowed any other credit inquiries, but TransUnion had done neither of these things? He had no answer for me. I asked why I wasn't informed of the credit inquiry in XXXX of XXXX, and he said that because they had not updated my phone number ( I've had the same phone number for over 25 years! ). I gave them my phone number and my husband 's phone number.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo will NOT allow us to end our forbearance. We have spent over 7 hours trying to reach them to resolve this. Attached all relevant docs Wells Fargo will NOT allow us to end our forbearance. We have spent over 7 hours trying to reach them to resolve this. We finally reached a representative on XX/XX/XXXX, who after an additional one call, received our payment of {$9000.00} and assured us our account was up date with no payment dues util XX/XX/XXXX. The bank statements shows this, yet we are still getting communications from Wells Fargo that they are extending our forbearance, against our will. We have found online news that this is happening to many others as well Attached all relevant docs We want and need to END our forbearance, assure us our {$9000.00} payment leaves us up to date, and is applied to principle, and that we will no longer be be placed back into forbearance without our knowledge

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 2020-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
filed ftc 
please update address also 

XXXX XXXX FTC violation

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
I was comparing mortgage rates. The lender asked me for the last 4 of SSN. I  provided. They then ran a hard credit check without telling me or asking my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Millco Management
State: LA

Complaint narrative:
Almost 2-3 years ago this collection agency XXXX XXXX began sending me collection notice for a hospital bill that my XXXX paid for. The services were over 1-1/2 years old. XXXX told me there was no insurance information on file which was untrue. How did hospital get paid if no insurance. I have been going back and forth with them. The {$440.00} has negatively impacted my credit for years, even though Ive disputed it. I call and the number rings and then hangs up. Please help me I am a service connected veteran trying to get a home and this is impacting me tremendously. Blessings and Thank You, XXXX XXXX, XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2020-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2020-07-16 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:
Between the months of XXXX and XXXX, my account was closed, which is incorrect as my account has always been open. 
During this time my balance increased over {$5000.00}, which is incorrect. 
They reported my vehicle was repossessed, which was false reporting as my account has never been repoed. 
They changed my payment history from 75 % to below 20 %. 
Lastly, I emailed them from my same email address with my name and account information and they posted my payment to someone elses account. Im not listed on that account and never have been associated with that account. They now refuse to accept any type of emails from me, please see attachments. And refuse to accept over the phone payments. I call and call and no answer. Ive since had to use a separate phone number in order to get them to answer the phone.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX purchases using XXXX Comenity Bank Credit card XX/XX/2020 {$210.00} XX/XX/2020 {$120.00} XX/XX/2020 {$30.00} My bank account debited XX/XX/2020 {$210.00} Current bill {$150.00} will be debited from my bank account XX/XX/2020 Total of {$370.00} billed Due credit of {$310.00} Items were returned by mail using XXXX printed labels and instructions on XX/XX/2020 and XX/XX/2020 Two items were kept value of {$61.00} Phone calls and online chats to both XXXX and Comenity Credit card have not resolved this issue. I'm told to wait and apply for a refund when the credit appears on my card. There is no indication that these items have been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: GA

Complaint narrative:
XX/XX/2020 - XX/XX/2020 {$0.00} The companies XXXX, Experian, and XXXX  have been reporting illegally and malicious complaints.

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 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Car Loan ; Today I pulled an XXXX  report today and I had two deliquated months on a car loan. My car loan payment where being return. I never received any information letter email on whom the new car loan carrier was. The only way I found out that who took over my car loan was that I pulled a report from XXXX. 

I need a welcome letter an account number, the normal things that happen when some assume a loan. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Ive tried to email and call into XXXX about this debt but XXXX stated that the debt was sold and they no longer had liability of the debtI advise XXXX of the debt was not mines to be collected and I was not going to speak to a collections company for a debt that was not my own

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and  credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's  credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.

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 2020-07-16 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I never had a delinquent record on my credit report ever. But this morning, I received an alert from my credit monitoring about a change on my credit score. For my surprise, I went online and saw a Delinquency recorded on my credit report form Home Depot/CBNA credit card ( XXXX ) .So I called the company to find out what was that about and they told me that I had a {$1200.00} past due for 37 days + fee = total of {$1400.00}, which I paid immediately. But my main issue is that they reported the delinquency for a bill/statement that I never received at home. They never called me about a past due amount or sent me a past due email/mail. I know they have the right address in their system but since the pandemic, I am having lots of issue with my mails. Where I live there are two streets with similar names, XXXX XXXX and XXXX XXXX XXXX, and sometimes I got mails from people living on XXXX XXXX, which I always leave a note for the mailman saying that it was delivered to the wrong address, and multiple times the same thing happened with my packages being delivered to their address by mistake. Not even mentioning that sometimes my mails are on my door steps instead of inside my mailbox. I am so upset because I never missed a payment in my life, and I begged them to clear this record from my credit report since it wasn't my fault. What hurts the most is the fact that I am about to apply for a mortgage loan, but this DELINQUENT Report will probably make my mortgage approval so much harder. I already file a Dispute with the 3 Credit Bureaus..

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 2020-07-16 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: TX

Complaint narrative:
XXXX XXXX, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus Transunion, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.

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 2020-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I have been receiving various bills from Americollect representing various hospitals in Wisconsin and enough is now enough. I do not attend these hosptials and the most recent one is from XXXX XXXX XXXX Hospital for XXXX. Several years now Americollect has been doing this and ive been blindly paying amounts that I do not owe in fear of my credit report. I have contacted Americollect about these debts that are not mine and the recorded phone calls have ended up in the operator saying they are not sure how to handle fraud, and me being hung up on. This is a serious and extremely crippling financial scam that I now need to spend more money for an Attorney to fight this company ( s ). When does it end? When will they stop? I do not go to these hospitals, XXXX XXXX XXXX has been the major culprit. Please some one has to know something on how to stop these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Webcollex, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX2020 I bought items from Full-beauty online clothing store using the Comenity Bank credit card for {$69.00} I also bought, items used my XXXXXXXX XXXX credit card with the same bank in the amount of {$56.00}. 

Both changes were posted to the XXXX ( or Comenity Bank ) credit card. 
I call XXXX credit dept and they posted the changes to my XXXX  card. But XXXX XXXX still have these changes posted to their bank card card. 
I have call numerous times to get the matter resolve but was told the changes will fall off in XX/XX/2020. That means my credit line in off and so is my credit report which shows what I owe which is incorrect..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I saw on my credit where a collection had went on. I had already addressed this issue with XXXX XXXX XXXX and another debt collection company that this was fraud. They agreed and took it off my credit. Now a year later another company is trying to collect on it

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