vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: MI

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX 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 explanation
Consumer complaint received 2022-04-11 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: MT

Complaint narrative:
Wells Fargo removed {$3400.00} of fraudulent charges from my account. They sent me a letter on XX/XX/XXXX confirming we completed our research about possible unauthorized charges on your credit card account, and have found that XXXX of the charges was made without your permission. As a result, on XX/XX/XXXX, we credited {$3400.00} to your account, plus all applicable finance charges and fees. 
Today, XX/XX/XXXX after applying for an auto loan I was told that I have remarks on my account indicating Wells Fargo has taken me to collections for this exact amount.

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 2022-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
This was my second go around of refinancing with Carrington Mortgage. The first time, all communications stopped and I never received a reason as to why the refinance was denied or not. 

During the second try, on XX/XX/XXXX I paid {$720.00} for an appraisal for a refinance. On XX/XX/XXXX, the appraisal was completed. On XX/XX/XXXX, the XXXX XXXX advised the refinance was still in process ; just needed to clear the appraisal and title still. On XX/XX/XXXX, I was advised from XXXX XXXX, loan processor, the following : For the exterior painting work, we will do an escrow hold back at closing. We will take the estimate you give us and hold 150 % at the time of closing from the proceeds of the loan. So if the estimate is XXXX we will hold in escrow XXXX from you at the time of closing. Then in the spring once we receive proof that the exterior work is complete we will cut the XXXX check back to you. The money is not given to the painter. It is given back to you. 

On XX/XX/XXXX, I spoke by phone with XXXX XXXX regarding the exterior paint process and what I was advised by XXXX XXXX. XXXX was not knowledgeable of how the exterior paint would work and XXXX was out of the office to consult. 

On XXXX XXXX, the following email was received by XXXX and XXXX XXXX and XXXX XXXX ( XXXX 's supervisor ) were cc 'd on the email : Hi XXXX XXXX Per our call, I have advised XXXX you want to continue with the refinance. 
Since your loan is no longer active, XXXX will need to create a new application for you. 
Once that is done, we can resume the processing on your loan. 

By XX/XX/XXXX, I received XXXX mail stating my loan application was denied due to disparaged dwelling. By phone, XXXX XXXX stated that we ran out of time because the application can only be held for so long and they had given all the extension they could. 

I am requesting my {$720.00} back for the appraisal fee, it is not my fault that we ran out of time due to the lack of knowledge of the representatives I was dealing with. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I submitted my IDR on XX/XX/2022, and on XX/XX/2022, of my submission, I contacted NELNET XXXX XXXX servicer customer service around XXXX pm XXXX. As discussed in my inquiry as to why my IDR was denied, she explained that it was because I made " too much ''. I explained to her that I did not work and that I had lost my job and the income they had received was " COUPLE FILING JOINTLY FILE ''. She kept me on hold for a long time- going back in forth speaking with supervisors and finally, after XXXX hours, she tells me, " You need to write an E-MAIL explaining that you do have income and the income received was only your spouse. '' I asked if she was sure that if that was all I needed to do- and she said " yes ''. On that same night, I did what she told me- I emailed the letter to ( XXXX ) with my personal information and account details. ( Which I did twice ) As time went by, I NEVER received a notification or letter from NELNET acknowledging my e-mail. When I chatted back on XX/XX/2022, they stated that the e-mail they have received was not " acceptable '' because it had to be " hand written and signed '' After all of this misinformation given to me since XX/XX/2022, I got hit with a XXXX derogatory on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to get my information updated on my credit report. I have reached out to XXXX. TransUnion, & XXXX. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get my information updated on my credit report. I have reached out to XXXX. XXXX, & Equifax. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
in XXXX / 2021 I was notified I had a past due balance. I called the company and explained it was not my charge. they agreed to look into and remove. they notified me it was fraud and they would correct and remove any negative credit. they did correct the balance but still have a past due amount showing in XX/XX/XXXX and XXXX XXXX they have NOT been removed as a paid late account

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  DOB:XXXX  SOCIAL SECURITY: *XXXX
TRANSUNION CREDIT BUREAU
XXXX XXXX XXXX XXXX, PA XXXX  
PHONEXXXX XXXX  TODAY'S DATE: XXXX  REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF.
DEAR TRANSUNION REPRESENTATIVE,
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  UT, XXXX  ON XXXX. THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR.
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS:
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT.
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS.
THANK YOU FOR YOUR PROMPT ASSISTANCE.
XXXX XXXX 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
Consumer complaint received 2022-04-11 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: WI

Complaint narrative:
I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.

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 2022-04-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report It has been well over 30 days. I have not received any investigation results, or any satisfactory solution. I previously submitted a CFPB complaint ( case number : XXXX ) with all required and Identifying information and items still remain on my credit report. I received a request for information as a resolution. They do not have any investigation results at all.

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.

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 2022-04-11 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: CA

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-11 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: NC

Complaint narrative:
I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXXXXXX XXXX. I am requested that the 30 day late be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ima natural person and not a third party Capital one bank is reporting false and misleading information to my consumer report by reporting late payments, which Congress doesnt define and any open end credit plan shall not be treated as a late payment under any circumstances pursuant to 15 usc 1666b, they are also furnishing false and misleading information which is supposed to be excluded from all consumer reports pursuant to 15 usc 1681a ( 2 ) ( I ) and this infringe my right to privacy as a consumer and they fraudulently charged me for fees to my open end credit plan regarding an alleged late payment that a finance charge is non payable to cash related transactions and I want all the fees credited back to my open end credit plan pursuant to 15 usc 1666c.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services
State: DE

Complaint narrative:
XX/XX/2022 ( received letter ) {$150.00} - Debt not mine XX/XX/2022 ( received letter ) {$190.00} XXXXdebt not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LEXISNEXIS
State: NC

Complaint narrative:
Made contact with LexisNexus on XX/XX/2022 to address a reporting of a Bankruptcy to my credit report. I asked that they provide me information on how they validated the bankruptcy. Account number they have on file is Incident : XXXX. I did not receive any information on how they validated this bankruptcy as mine. I contacted the Bankruptcy court listed on my credit report and they responded that they do not provide any verification of bankruptcies to any credit reporting agencies. I have attached a copy of the letter received from the courts. 
In accordance with the Fair Credit Reporting act LexisNexus XXXX 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 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S 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 2022-04-11 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: WI

Complaint narrative:
Wells Fargo credit card {$3500.00} XX/XX/2021 I file a police report and reported fraud with the company. Wells Fargo fraud department has done nothing

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone got a credit card in my name, used my social security & other personal information. They changed my passwords to where I can not log into my emails & access the credit card information that was used. It was a Chase Mastercard that was opened in my on XXXX, XX/XX/XXXX in the early morning using an email address that I had, and no longer can log into. I've submitted a report to my local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I get two pensions and Social Security and when these checks are due if the date falls on a Saturday or Sunday they dont release the money till the following Monday. Other previous coworkers get all there checks from same pension fund on time from two different banks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX 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 2022-04-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
National Management Recovery Corp. violated FDCPA by contacting my place of employment under pretenses as a court judicial system attempting to serve a subpoena for criminal activity. On XX/XX/2022, I received a call from my employer indicating National Management Recovery Corp. contacted them with a case number to appear in court about three cases being brought against me. I have never received any phone calls, letters, or emails from National Management Recovery Corp. ever acknowledging themselves as a debt collector and attempting to collect a debt. The first time speaking to anyone within this company was on XX/XX/2022, when I contacted them based on their fraudulent allegations. The representative described themselves as a pre-trial law office and gave my employer the same case number. The representative went on to say, I am being sued in court for a payday loan under the company of XXXX ; a payment is needed right away to rectify my account, as they are currently charged on XXXX counts of fraud. I asked for clarity if they were a law firm and the representative continued to state they were only a pre-trial company. I asked the representative for transparency to provide which judicial entity this case is filed? They responded with the listing of the county in which I reside. I asked for clarity if the case number they provided was a legal case number from a court order or subpoena. The representative stated that the case number was not from any judicial system but their filing metric. Please make individuals aware that these tactics are not only harassing but more so illegal under FDCPA.

Company response to consumer: Closed with explanation