vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in may I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.

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 2020-10-02 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: IL

Complaint narrative:
In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.

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 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: PayNearMe MT, Inc.
State: CA

Complaint narrative:
Was making payments via barcode or paynearme.com 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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Here 's my complaint for anyone to read and judge. In XXXX I was with XXXX XXXX for my servicer and was a bit late with my taxes {$33.00} but managed to pay. My reason for not paying was medical. I had already a payment arrangement with my Tax Office and agreed to pay the late payment. I wasn't aware the Fannie Mae sold it or transfer it to Shellpoint /NewREz , an boy this company has bad ratings with consumers already. This company through XXXX contracted a 3rd party agency to check my taxes ( called XXXX, they shared later after speaking with them that Shellpoint added escrow and insurance which I've been paying myself for the last 5 years. I contacted the servicer and asked them why? their answer was they can do whatever they want. I felt as ex-military that my rights weren't of importance. Not only have they added escrow to my account and charging for past late taxes when they weren't the server then but also adding insurance to  my statement knowing that I've been paying on it and never behind or late. I believe we don't have any right in this world we live in now. It's a shame when someone doesn't even inform you there doing this. As of today XX/XX/XXXX, I am in forbearance until XX/XX/XXXX, and have mailed several payment and statement showing these payments not being applied and still being charged for insurance after my agent at XXXX send these idiots the 3rd copy of my insurance declaration page

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: MI

Complaint narrative:
In XX/XX/2019, I requested copies of my credit reports due to XXXX breeches- there were several accounts listed I had no knowledge of. I disputed each unknown account to each of the credit reporting agencies and all of the accounts were removed, with the exception of a XXXX account on my Experian report. I have subsequently disputed the Petal account with Experian on numerous occasions and have requested investigations into the method Experian used in determining if the debt was valid. Experian/XXXX   have neglected to provide me with an original signed application that was used to open the account nor have either of them provided any itemized billing statements detailing the charges supposedly on the XXXX account. The only information I have been able to obtain is the partial account number listed on the Experian report. Due to Experian 's negligence, I have suffered account limit reductions on legitimate credit accounts, denial of new credit/loan and overall drastic drop of 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 explanation
Consumer complaint received 2020-10-02 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 called on the phone with all 3 Credit Bureaus also Capitalone I told Experian I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

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 2020-10-02 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: NV

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and 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 explanation
Consumer complaint received 2020-10-02 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
in the month od XX/XX/2020, I made my monthly call to Santander Consumer to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find Santander reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments Santander said i made. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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: NC

Complaint narrative:
in the month od XX/XX/2020, I made my monthly call to XXXX XXXX to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find XXXX reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments XXXX said i made. 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
Consumer complaint received 2020-10-02 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: MA

Complaint narrative:
On XX/XX/2020 a communication was sent out to XXXX, Transunion and XXXX  for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights.

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post
facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the
Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank.

Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.

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 2020-10-02 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: IN

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and 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 explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am at my wits end with Bank of America and I need assistance ASAP! 
I filed the following CFPB complaints : 1st Complaint - XXXX 2nd Complaint- XXXX The first complaint was closed and should NOT have as it has not been resolved. 

I initially called BofA on XX/XX/2020. I spoke to a young lady that I felt didn't know what she was doing. When I spoke to her, I told her that there were 26 Charges to Element Colors ( From XXXX XXXX ) that were FRAUD! A total of {$2500.00}. I also informed her that a charge for XXXX for {$2000.00} was also fraud. She advised me that she would report all of the charges and an investigation would be conducted. Fast Forward to today .... I have received credit for the XXXX charge and received a letter dated XX/XX/2020 informing me that the charge has been deemed as fraud. I have also confirmed the XXXX charge has been credited. MY ISSUE now is that the letters I have received mention NOTHING about the 26 Charges to Element ( made in XXXX XXXX ). These ARE NOT my charges and need to be credited ASAP! This is ridiculous! I need for BofA to conduct an investigation and issue a credit for the Element Colors charges ASAP. The letter from BofA dated XX/XX/2020 says there are no other claims, which is INCORRECT! BofA needs to pull the call I made on XX/XX/2020 to confirm this! I talked to the young lady for over an hour and she confirmed she would file a claim for the 26 Element Color charges and the XXXX Charge. I am starting to think that she did not follow through and that is NOT my error! BofA PULL THE CALL and do your JOB and Fix this! 

I also called BofA at XXXX today and waited on hold for an hour and a half, then received a message that the office was closed. I am frustrated because I reported these charges from XXXX XXXX and I am tired of waiting. I need this money! Please have BofA pull my initial call and conduct a proper investigation. This is a Regulatory bank violation and I am about ready to get a lawyer.

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 2020-10-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/2020 ; Wells Fargo placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. Wells Fargo held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. Wells Fargo has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.

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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and 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 explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: NM

Complaint narrative:
We sold our property XXXX XXXX XXXX, XXXX KY XXXX with the closing on XX/XX/XXXX. The Title company sent the payoff amount to TCF Bank and the check was cashed by TCF Bank on XX/XX/XXXX, however, the funds have never been credited to our account. I called customer service on XX/XX/XXXX and was told that they had no record of the payment but this could just be because for such large amounts, it is common to place a 5-7 day hold on funds and I was given an email : XXXX to follow up in case the issue was not resolved. I used the secure messaging option in the TCF app to initiate an inquiry on XX/XX/XXXX and included the check number, amount and my loan number but again no resolution was forthcoming. I then sent a detailed demand notice on XX/XX/XXXX to XXXX as instructed earlier and included my account number : Loan XXXX, property address, and amount of the check : {$120000.00}. 
Additionally, I attached a copy of the file check from the title company forwarded to my by the title agent : XXXX XXXX XXXX I asked for a clear resolution and response to the matter by XX/XX/XXXX. On XX/XX/XXXX, another loan payment was deducted from my bank account towards the loan and I received no further response. I followed up with a second email to TCF loan servicing on XX/XX/XXXX, noting that instead of closing the loan and refunding the overpayment I was continuing to have regular payments withdrawn. I also included an actual copy of the check that was cashed by TCF Bank on XX/XX/XXXX providing them with more than ample paper trail to appropriately credit the payment to my account and close the loan plus refund my overpayments. Unfortunately, we have had no response or demonstration of concern or customer service. I am asking for your assistance to appropriately credit the amounts paid to close this loan and refund the overpayments in a prompt fashion. I am very disappointed with the lack of customer service from TCF Bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I had a debt with a creditor. The debt was settled through a court action and the plaintiff agreed to seal the record and not report it after a court order requiring such. plaintiff violated the agreement and sold the title to NATIONAL CREDIT SYSTEMS and now in violation of 15 USC 1692a ( 4 ) debt collector has made false claims as a creditor, made an impermissible pull of my credit and then used my private information for profit in order to enrich themselves unjustly at my expense with neither my consent nor expressed aceptance. XXXX  LLC is a co conspirator in the caper as both companies are guilty of identity theft and consumer fraud based on their destroying my rights to privacy, my right to contract, my right to be secure in person and property and my right to be free of the fraud, theft and coercion of third party meddlers pursuant to their willful and negligent violations of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. I have made several requests to both companies to produce lawful evidence of my being subject to any indebtedness and both companies have chosen to ignore my requests and acquiesce to the aforementioned claims ... I want to initiate a lawsuit as these companies are making it impossible to get housing and winter is here. please find the court documents and correspondence between myself.

Company response to consumer: Closed with explanation