vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: IL

Complaint narrative:
Hi I am submitting this 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 719XXXX 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 XXXX 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.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: WY

Complaint narrative:
I've been charged {$460.00} in fraudulent charges on my account and my bank provider has denied to credit for the fraud because I have no evidence supporting my claim. Ive contacted them on multiple occasions to appeal my account and they're not contacting me back for over 72 hours. I can not contact the company who applied charges to my account because they are out of country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was an interest rate increase on my Chase Credit Card ( XXXX XXXX XXXX XXXX ) to XXXX ( XXXX ). I have an XXXX credit score and I do not accept this rate increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: VA

Complaint narrative:
there are several inaccuracies on my reports that are detailed in the 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NJ

Complaint narrative:
A XXXX residential utility account # XXXX was fraudulently opened in my name some time around XXXX. 

I dd not sign up for this account, have never paid on this account, and was unaware of this account. 

I received a bill at my home address in New Jersey dated XX/XX/21 from XXXX stating I owed {$480.00}. Repeated attempts to resolve the issue with XXXX were unsuccessful ; REF # XXXX. 

I was given a supervisors number to assist me in resolving the issue as they confirmed they could not verify the account was opened by me not have I even paid on the account and I live in a state where XXXX does not operate. I was given a Supervisors phone number XXXX. The call was never returned and the matter was sold to a collections agency LJ Ross XXXX Acct # XXXX. 

LJ Ross informed me they would hold off on submitting the debt as in collections status until they could investigate the identity fraud claims made ads I was bale to provide evidence that the debt was not mine. Despite providing all requested information and sending a letter asking for verifiable documents substantiating the account as outlined by the Fair Credit Reporting Act. 

This account is now reported as collections status on my credit reports and is having an adverse affect on my credit score. Up to this point I have had an excellent credit rating. 
I have made every effort possible to substantiate that this is a clear and obvious example of identity theft. 

I need assistance to resolve this matter and have this removed form my credit rdeports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX offered bonus miles ( XXXX ) for opening a Citi Bank credit card. Card approved XX/XX/2022 and used the next day. The offer required me to spend a certain amount over the first 3 months and I wasn't sure if it was {$3000.00} or {$5000.00} miles so I called to check. I was then advised the if I had a card in the previous 48 months I would not receive the bonus. 

If I did not qualify for the offer I believe I should have been informed prior to acceptance and given an option as to whether to continue the application process.

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 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Bank contacted me to let me know that they " accidentally '' reported my ( on time/current ) car loan as 60 days pays due. I've worked hard to achieve and maintain a 800+ credit score and am stunned that something like this would happen. USAA stated they will provide an update to the credit bureaus but that it can take 60 days for it to reflect. This could severely impact my ability to get a loan if needed OR cause me to a pay a higher rate of interest than I would otherwise qualify for. USAA should be held accountable for this mistake.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been reporting an alleged debt to my credit report. I do not know this company and have never done business with them, they could be anyone trying to get money out of me. I've never done business with them and they don't have a contract with my signature. 

I've asked them to please provide the following information within XXXX days and they have not done so : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXXXXXX, 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 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 2022-03-23 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: MoneyLion Inc.
State: GA

Complaint narrative:
Ive contacted money lions fraud department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Received letter from foreclosure attorney with sale date for my property XXXX. 
Foreclosure Letter dated XX/XX/2022, postmark envelope XXXX/XXXX/202. Requested from my mortgage servicer recently, and several times, additional time on a forbearance. I was told I could not get a forbearance because I had a previous forbearance of which I found out was not true. Shellpoint customer service has given me misleading information and they are trying to make me lose my house to foreclosure. My research I found I could have a forbearance up to 18 months under the Covid -19 or Hero Act. In my mortgage documents I signed at closing it states I was to be given 30 days prior to foreclosure sale date, of which I was not given. My mother who is elderly was affected by XXXX she now has terminal health issues from XXXX. I was affected by XXXX  my employer closed the business where I was employed, I lost my employment and I had XXXX too. Submitted financials and all requested information for mortgage assistance, I have not received a denial letter for mortgage assistance or my request for a forbearance. I have not received a letter from foreclosure attorney asking me to validate the debt I have made a request. Shellpoint customer service is rude, and I was told that I needed to sell my house because I could not afford it. I feel I have been discriminated against because I'm a XXXX female and a Senior Citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
This consumer is a victim of XXXX WELLS FARGO XXXX XXXX  ( WFA ) ; XXXX XXXX, XXXX XXXX ( XXXX ) usual setup of unfair practices. I detected deceptive activities in connection with the extension of my credit to mislead this consumer, which invoked federal questioning. 

I executed a Cease & Desist ( CD ) certified order notice XXXX, received on XX/XX/XXXX, to executives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, informing them of my right defined under 15 USC1692c, this consumer completely, unambiguously denies & object the entirety of alleged debt per 15 USC1692c ( c ). WFA ignored & violated my certified CD order notice. I received continued harassment & obscene language on XX/XX/XXXX & XX/XX/XXXX. 

On XX/XX/XXXX WFA violated 15 USC1692c ( a ) ( 1 ) ( b ) ( c ) ; 15 USC1692e ( 4 ) ( 5 ) ( 7 ) between the unusual hours of XXXX - XXXX & disgraced this consumer in an attempted seizure ; wrongful possession they did not have express permission from a court of competent jurisdiction, by hiring a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ) to unlawfully invade on my personal Property causing a breach of peace within Gov. Military housing. 

WFA violated my right to privacy as defined by 15 USC6801 by communicating & selling to third party XXXX  for profit, my private financial & private location information without my expressed written consent, in an attempt to unlawfully seize my private property, per 18 USC1028A is considered aggravated identity theft ; Infringement of my intellectual property rights & disrespecting the privacy of this consumer. 

This consumer is not in possession of any documentary evidence as defined as 15 USC44, proof of claim under penalty of perjury & Per to Rule 1002 ; G.A.A.P ; forensic audit trail evidence that WFA loaned this consumer real money or credit ; evidence of indebtedness to prove monies left WFAs account, my right per 12 USC 5533 ( a ). WFAs has Collected extensions of this consumer 's credit by extortionate means.

WFA act as if they are unaware of the Federal law ; Federal law does not apply to them ; ignoring federal laws & their responses are avoidance from federal laws that they are bound to. 

Threatening this consumer for an alleged debt, with no proof of claim. The instruments were in violation of the federal law, specifically the Consumer Protection Act from inception. I have been discriminated against because I have in good faith exercised my Rights as defined as 12 CFR 1002.2 ( c ) ( ii ) ; 15 USC1691 ( a ) ( 3 ) & have trespassed on my Rights.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I have written all credit reporting agencies who have said they have verified this information including XXXX XXXX. They have not provided any proof on how the information was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.

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 2022-03-23 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: TX

Complaint narrative:
My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have written all credit reporting agencies who have said they have verified this information including XXXX XXXX. They have not provided any proof on how the information was validated.

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 2022-03-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Information on my report has been sent without my consent, by law most things on my report should not be 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
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I transferred money from my XXXX ( Truist / XXXX ) into my Truist Checking Account to pay off my mortgage. After received, on XX/XX/XXXX, I made XXXX separate transactions, the first for {$99000.00} ( XXXX available to transfer online ) and {$12000.00} from my Truist Checking account to my Truist Bank Mortgage. On XX/XX/XXXX, the {$12000.00} transfer posted to my mortgage. On that date " Both '' transactions were removed from my Checking Account. As of today, XX/XX/XXXX, the {$99000.00} has not posted to my mortgage. 

I went online to contact Truist about the " lost money '' today and received a run-around. Firstly, the wait time on calling was greater than XXXX minutes. After that, I chose to " Chat '' with an an online agent. Initially, the response was that it would take XXXX hours to research, That was unacceptable to me. After a few chats back-and-forth, I was told that the {$99000.00} payment was suspended for some reason. I asked the chat agent for a complaint phone line and there was not XXXX available. I also asked the agent to enter a complaint into their complaint management system and she/he was unable to enter the complaint. Apparently, her/his manager needed to enter the complaint. The chat system closed out after my request without any resolution. I asked if they could verify that a complaint was registered. 

During that process, I called a local branch ( XXXX XXXX, XXXXXXXX XXXX ) and " XXXX '' offered to help and he is supposed to call me back. XXXX was very professional but he could not define the problem based on what he saw in the system. 

I am concerned that an organization seemingly loses almost {$100000.00} of my money that is not accounted for in my accounts. Also, I am concerned that the XXXX ) Customer Service wait is excessive, XXXX ) The chat agents are unable to resolve obvious problems, XXXX ) There is no way for a chat agent or a client to escalate problems/ complaints. 

This is horrible client service.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We refinanced our mortgage in XX/XX/2022. Final payoff for the original loan was XX/XX/2022 with an escrow balance with the original mortgage company ( BB & T ) of {$3400.00}. Payment of escrow balance has not been received to date. Multiple conversations with financial institution with different excuses ( incorrect address, time required to reissue check... ) and no resolution yet. I thought the financial institution is required to return the escrow balance within 20 days of payoff?

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 2022-03-23 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: GA

Complaint narrative:
Ive contacted XXXX  XXXX XXXX department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from 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 non-monetary relief