vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
Hello, I reviewed my credit report and saw an unknown THREE medical bill from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the hospital in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored

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 2022-04-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-04-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Went in and make payment on account and bought it down to {$5.00} and somehow there payment was not applied and still showed a balance what went 30 days over. I have call the company and they are not compliant with my request and it is now showing me 30 days late which I have never been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cawley & Bergmann, LLP
State: AZ

Complaint narrative:
I received a letter stating that I owe {$290.00} from Cawley and Bergmann by XXXX XXXX XXXX XXXX. 
This was a debt that I had entered into a discharge amount of {$2100.00} in 2018. 
I was told that settled my debt and now 4 years later I get a letter stating that I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I called to submit a wire transfer on XX/XX/2022 at XXXX for a closing on a property scheduled for Monday XX/XX/XXXX at XXXX. I was told that since the call was made prior to XXXX it would be sent on XX/XX/2022. I went to my closing at XX/XX/2022 at XXXX and was told the funds had not been received yet. I called Marcus and was told they needed to speak to the Title Agency. They called the Title Agency and confirmed the wire instructions. I called back at XXXX on XX/XX/2022 and the wire still hasnt been sent for closing and causing the prevention of moving in to my newly purchased property. The have now prevented me from having access to my funds for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: MO

Complaint narrative:
Inquiry : XXXX XXXX and XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX NA : XX/XX/XXXX Inquiry : TXXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written in
structions

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 2022-04-18 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: MO

Complaint narrative:
Inquiry : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account # 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made two separate wire transfers to XXXX Bank in XXXX XXXX. One on XX/XX/22 for {$8500.00} and one for {$10000.00} on XX/XX/22. My Bank, Chase has attempted to recall those wires back, but have not had any success in them responding back. I need your assistance in trying to get those funds back to me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
Automated Collection Services continuously sends me letters claiming that I owe {$4100.00} to XXXX XXXX XXXX. I have never had services with XXXX XXXX XXXX. I reached out to Automated Collection Services over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX. ) XXXX was botched badly. I am constantly in Hospital with XXXX 's, XXXX 's, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
For almost 2 years I was not aware that XXXX XXXX took out a loan with XXXX XXXX for an amount I think I found out with last mediation from XXXX of XXXX dollars. 
I was under the assumption pmts was to be made to XXXX. As per the agreement. I found out in XXXX that this was not the case. I told XXXX XXXX XXXX XXXX, that last time in mediation, but now they are going after my only one car and stated that they would lean it. if i don't pay. I HAD NO KNOLEDGE OF THAT LOAN!!! I DID NOT GIVE PERMISSION FOR THAT LOAN. I HAVE TRIED TO RECTEFY BY MAKING SMALL PMTS SINCE THEY ARE RUINING MY CREDIT!! I tried taking XXXX to court to have the credit charges reversed to XXXX XXXX, but got entered a default judgement, since I was in Hospital and Defendant Attorney gave me a wrong court date. But now XXXX XXXX wants close to XXXX. And I am having severe medical complications due to negligent of XXXX XXXX and XXXX Again.. I thought I had a loan with XXXX. I did not give permission for any other credit Also this is my only car ... ..I had my last one for 10 years with XXXX before I bought another ... Request that car will not be liend. I request that XXXX returns the money charged to that creditor for whatever amount it was ( I do not know, since I never saw the amount. ). And removes those entries from court records and my credit. 
XXXX XXXX Yes I gladly give my name to ensure that others can learn from my experience and be more vigilant. I was a victim of greed. I was not aware that credit was taken out on my behalf. I still do not have a copy of that paperwork I signed.. imagen that... 
Again.. please help.. I have tried every avenue between the more than XXXX XXXX and endless hospital stays. Request that XXXX XXXX  gets refunded by XXXX XXXX, and XXXX XXXX in XXXX XXXX, for my botched XXXX that has cost me my health and my life. 
According to Regulation Z, I am protected since I did not give permission for that loan to take place. As I have stated many times to the Attorneys at XXXX & XXXX XXXX FROM XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Conn's, Inc.
State: AL

Complaint narrative:
This complaint is for Conn 's XXXX XXXX. i have called and asked for a copy of the credit app, to know avail the name on the account is XXXX XXXX my name is XXXX XXXX when they called and asked for my imfomation and started sending me bills account XXXX i would like them to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with Avant , LLC. I did not discover this until months later in XX/XX/XXXX. I contacted Avant to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLSFARGO IS ACCUSING ME OF FILING A FALSE COMPLAINT ON MY CREDIT CARD, SAYING THAT I DID THE FRAUDULENT CHARGES ON MY CARD. WELLSFARGO IS PREJUDICE AGAINST XXXX PEOPLE, UNLESS YOU ARE PRIILEDGED. I HAVE BEEN DISRESPECTED AGAINST BY WELLSFARGO, LIE TO BY WELLSFARGO, ALL BECAUSE I AM A XXXX PERSON. WELLSFARGO IS THE BANK THAT SHOULD BE INVESTIGATED FOR THEIR TREATMENT AGAINST PEOPLE OF XXXX. I KNOW MY CIVIL RIGHTS. THE RIGHT TO A FAIR TRIAL. WELLSFARGO HAS NOT SHOWN ME ANY FAIRNESS. HOW CAN YOU DECIDE FAIRNESS, WITHOUT PROPER INVESTIGATION.

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 2022-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Equifax Information Services LLC, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
Hello, I reviewed my credit report and saw an unknown XXXX medical bill from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the XXXX  in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
Hello, I reviewed my credit report and saw an unknown XXXX medical bill from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the XXXX  in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored

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 2022-04-18 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: EdFinancial Services
State: TX

Complaint narrative:
My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with Fed XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my XXXX XXXX to drop XXXX points with XXXX and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX looked at several townhouses and properties with XXXX XXXX of XXXX XXXX in XXXX Alabama in XXXX and applied for a XXXX VA 30 year loan with XXXX XXXX of Regions Financial. They were both very nice real estate people but unfortunately my wife of 25 years and I were fighting during the process and decided not to purchase property at the time. About XXXX I was contacted by a mortgage fraud investigator from Regions Financial so I am describing a possible fraudulent real estate transaction after my wife XXXX XXXX XXXX and XXXX XXXX XXXX looked at several properties but unfortunately decided not to purchase. My US Passport was stolen in XXXX and my Alabama drivers license was stolen in XXXX so I was reporting possible I'd theft or possible mortgage fraud. Thank you

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