vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-02-10 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX with the account number XXXX. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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:
Hi I am submitting this XXXX XXXX without 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. XXXX XXXX has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I submitting this complaint without any influence from from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a Mortgage with US Bank. I use there online payment system to make my mortgage payment. I Like to have serval months of mortgage payments paid in advance. so I pay in advance in case something happens and i cant make the payment. 
In the past this was not an issue with the bank, but NOW it is for some reason I have had st spend several hours on phone correcting this issue with them and they have still not resolved the issue. When i make an EXTRA payment on my mortgage it does not show that i made an extra payment after the payment has processed like it use to in the past. So when I call they tell me that the payment was put to 100 % of my principle. Which it should not have been. This makes it very difficult for me to keep track of the actual principle and interest on my account. It also effects my taxes because in my payment I pay my taxes to the bank and then they pay it to the Tax collector when it is due. This has also caused issues when they pay my taxes in the past which has made me pay penalties that the bank should have incurred, not me. If they cant do their job that is not my fault especially when i have no control when the money gets sent out. It also could potentially make me late in my payment if I did not know this, not to mention is against the law. I would ask that this gets resolved with this bank because by doing this they are creating false Financial Accounting which I would assume helps the bank get more money for loans which is Against the law. This is not to mention that it makes it very easy for them to ACCIDENTLY continue to make this mistake and it makes it harder to keep track of my actual payments that are made and my Principle, Tax and Balance of my mortgage. Please address this problem with this US BANK

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My checking account with Citibank has been inactive since XX/XX/XXXX. There hasn't been a single activity on the account between XX/XX/XXXX and now ( XX/XX/XXXX ), yet the account was charged a {$12.00} service fee per month for 17 months. 

I reached out to Citi and asked for full refund. However Citi only agreed to refund for two months ' worth of service fee ( {$24.00} ).

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 monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2022 a XXXX  transfer for {$84.00} was made to a closed account. I contacted Wells Fargo and the transfer was cancelled and I was to receive reimbursement of the {$84.00}. On XX/XX/2022 I contacted Wells Fargo once again to inquire into the cancelled XXXX  transaction and to report the {$84.00} had not been deposited to my account. Today, XX/XX/2022, I am on hold concerning the same cancelled XXXX  transaction. Not only have I been transferred XXXX  times to claims, claims has transferred me back to the online banking que every time where I then wait for a prolonged period in order to speak with someone. I have yet to receive any information regarding the cancellation or be reimbursed the {$84.00}.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, I made a deposit of {$7000.00} from a sale of a motorcycle via mobile deposit with U.S. Bank. On XX/XX/XXXX, I was notified via email that the deposit was accepted and they released {$220.00} of those funds, pending verification of those fund. I checked my online banking account to verify that the {$220.00} was there and it was. The available balance was near {$0.00} at that time so any transactions would have been declined as I did not set up overdraft protection. I went out to eat and there was a second purchase that went through and mostly took from that {$220.00}. On XX/XX/XXXX, I noticed my account was negative. I went in to look at details and found that the {$220.00} was removed and I was charge overdrafts for my two transactions. After working with the bank via phone, they said that the check needed further security checks and had to wait XXXX business days. They could not explain why {$220.00} was released as they did not see it. On XX/XX/XXXX, I explained what happened and was basically told that I was lying as there is no evidence of the {$220.00} ever being released. I explained if that {$220.00} was not there, that my two transactions would have been declined. I closed the account because I feel I was extorted for those two overdraft fees and an additional extended overdraft fee because of those as well as making me look like I was lying as there was no evidence outside of my email, that says there was {$220.00} released from that deposit. Unfortunately, the only evidence I have is of the email, because I do not think to take a screen shot of every bank transaction and would not know that the bank would remove evidence of releasing such funds, they made the funds release look like it never occurred.

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 monetary relief
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi, I wrote a verification letter to all three credit bureaus. both XXXX and XXXX responded and deleted the unverified records. Transunion did not respond. I sent my verification letter on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not receive a response or notice to investigate the letter. I reach out to the creditor of the accounts that I requested Transunion to verify and the creditor couldn't verify which means Transunion should delete the account just like XXXX and XXXX. Transunion is breaking the fair credit reporting act and it's affecting my personal life

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 2022-02-10 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: MS

Complaint narrative:
XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXX, XXXX  has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
I opened my credit report and found this collection PROFESSIONAL CREDIT ANALYSTS, which I was never notified of, it is an account that is reported without validating and I am being affected in my credit, they can not report an account without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called synchrony bank and explained that someone created an inquiry on XXXX XX/XX/2021 on my XXXX credit report. i talked to a lady and we agree it was fraudulent and would contact XXXX to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything XXXX refuse to help as well

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 2022-02-10 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: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I began a refinance with Wells Fargo in XXXX, XXXX. Wells Fargo has my current mortgage which began in XXXX on the same property. 
So I am XXXX months into this process with no end in sight. Wells Fargo has asked me for repetitive information ( up to XXXX requests for same items to be sent XXXX times ) via their web downloading. 
The process is well beyond reason now. Today I was asked to explain why my credit was checked several times in XXXX. I have no other credit apps in process now or in past year except a XXXX card.

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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX I received by us mail first notice of alleged debt and demand for payment. This notice attached herein did not provide information identifying the original creditors accounting of the claim. I attempted to contact Transworld Systems Inc. ( TSI ) and was not able to reach anyone. 

On XX/XX/XXXX I mailed a certified letter attached herein to Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX requesting they provide required information in order that I have an opportunity to investigate their claim. 

On or after XX/XX/XXXX I received a response attached herein from TSI providing an incomplete file copy of a lease agreement and accounting ledger. 

On XX/XX/XXXX I responded with a second letter attached herein citing XXXX CIVIL CODES, detailing my request for proper documentation and discrepancies with regard to previously provided information. 

On or after XX/XX/XXXX I received a letter from TSI denying my request for required information and no response to previously defined discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate. 

More Information : XXXX XXXX XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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:
I called XXXX XXXX and explained that someone created an inquiry on XXXX XX/XX/2021 on my Transunion credit report. i talked to a lady and we agree it was fraudulent and would contact TransUnion to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything Transunion refuse to help as well

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 2022-02-10 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 without 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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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