vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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:
On XX/XX/2020 I 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 I'm 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 30 days a reason to immediately remove those items from my credit report with 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 caused me. My information was also impacted by the XXXX  data breach and may have got 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 2020-11-05 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: PA

Complaint narrative:
On XX/XX/2020 I 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 I'm 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 30 days a reason to immediately remove those items from my credit report with 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 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 2020-11-05 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: NY

Complaint narrative:
DATE : XX/XX/20 ACTION : ASK TO REMOVE OTHER NAME VARIATIONS AND ADDRESSES

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 2020-11-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
DATE : XX/XX/20 ACTION : ASK TO REMOVE OTHER NAME VARIATIONS AND ADDRESSES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
On XX/XX/2020, XXXX XXXX XXXX report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from TransUnion saying I have a delinquent showing in my fico score. I gave XXXX  a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but XXXX did not remove the delinquent from me fico score. I tried to call XXXX and TransUnion multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.

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 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/20 my computer was compromised along with my checking account information at Wells Fargo and a cash withdrawal was made on my Wells Fargo checking using XXXX for {$490.00} by a XXXX XXXX ( XXXX ). I reported it with claim no. XXXX. New account numbers were created for checking and savings. Number one I have never used XXXX before, two I do not know this person, and three I did not do this or authorize it. 

On XX/XX/20 Wells Fargo withdrawal slips were filled out with both new account numbers hand written in and signed XXXX XXXX and took {$2400.00} cash. I have never signed any document as XXXX XXXX. So back to bank with claim numbers on attached sheets. New accounts were again assigned for checking and savings. Wells Fargo has since returned the {$2400.00} to my accounts for this was obviously inside fraud. 

On XX/XX/20 I received a letter from, Wells Fargo that denied my claim on the {$490.00} stating they did not believe me that I did not do 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
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My original mortgage for my co-op apartment was with Citibank. This Summer I wanted to take advantage of lower interest rates to refinance. I decided to keep the mortgage at Citi instead of pulling it altogether and go with another bank. What an incredible mistake it has turned out to be. 

The first loan officer that was assigned to me kept making mistakes, giving me 24 hour deadlines to submit new documents while I was working double shifts at the hospital, not uploading required documents I already filled out/sent to him, and generally refusing to answer any question I had. 

After I complained I was assigned a new advisor and was assured that the process would finally be taken care of. After submitting a new round of documents -- some whose status ' still haven't been updated on their portal even though they were received and required weeks ago -- I have now been asked for new documents that need to filled out and signed by my co-op board ... .10 days from the estimated closing date. 

This has been going on since XX/XX/2020. I could have closed twice over with another bank like XXXX. At this point it is clear that Citibank is refusing to provide a service I am perfectly entitled to and place hurdles every step of the way while purposefully wasting my time and money.

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 2020-11-05 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: NY

Complaint narrative:
DATE : XX/XX/2016 AMOUNT : {$180.00} ACTION TAKEN : I ASKED HOW IS IT POSSIBLE THAT THE BALANCE INCREASED AFTER THE ACCOUNT CLOSED? ASK FOR REMOVAL BECAUSE OF THIS 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 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
This complaint is against American Express. They are repeated calling me to collect a debt that is not mine. I have told them this is not my debt and remove my phone number but they continue to call and harass me. This debt belongs to another women with the same name as mine that lives in the same town. Ive told them this repeatedly times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CA

Complaint narrative:
i tried sending my personal Information to Experian as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts

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 2020-11-05 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: GA

Complaint narrative:
The following items are not mine : XXXX XXXX - Bal : {$59.00} ; this is not my account and this account is a result of identity theft. 


I was never 30 days late on the following accounts : XXXX XXXX - Opened XX/XX/2018

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 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
RE : B of A cards XXXX XXXX XXXX XXXX & XXXX Both of these cards are being used for XXXX XXXX transfers. I paid fees on b oth to avoid interest charges. That worked on XXXX ; not so on XXXX. B of A has taken fees and continues to take interest. Calls to the bank result in being hung up on 3 or 4 times.This bank is stealing from me and brazenly, will not even discuss the situation. They just stonewall,

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 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TX

Complaint narrative:
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

( copy from the Affidavit attached and as you can see if was refused ) ************

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX XXXX and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX XXXX has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/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 2020-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020, Bank of America report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from XXXX saying I have a delinquent showing in my fico score. I gave BOA a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but BOA did not remove the delinquent from me fico score. I tried to call BOA and XXXX multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.

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 2020-11-05 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: TX

Complaint narrative:
This is my final attempt at communicating with your offices. In Exhibit B you will find a copy of the letter I received from national credit adjust dated XX/XX/2020. 
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX refused to provide me their MOV ( Method of Verification ) for three derogatory items listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ''

Company response to consumer: Closed with explanation