vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NY

Complaint narrative:
I was notified by HUNTER WARFIELD debt collectors out of XXXX FLORIDA that i owe a debt. I denied that i owe a debt and requested evidence of debt. 
They sent me documents with no explanation of what the paperwork represented or how it proved I owe and am responsible for anything they are attempting to collect. I requested if they report this false information to credit bureaus to indicate that i dispute the debt and that is what they did. The credit agencies are refusing to remove the derogatory, false, and unsubstantiated debt HUNTER WARFIELD is attempting to collect. I have no relation to and owe nothing to hunter warfield and they have provided no explanation or evidence that i owe anything. 

Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested XXXX, Experian, XXXX to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is 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 explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo rep by the name of XXXX XXXX contacted me in XXXX after sending in a request for mediation, Wells Fargo has sent me a total of six of these forms, five of  them have been filled out in total, sent in. The last such request was sent on XX/XX/XXXX. XXXX offered a settlement amount of {$3700.00} which was verbally accepted. It is now XX/XX/XXXX and no payment received to date. A XXXX XXXX has replied with either a general form response stating attempts at resolution made and all resources exhausted which is a lie or he will attempt to state he can not reply which is also a lie. He has replied in the past which again include a bogus form response. Any supposed check sent to me for payment of settlement was cashed fraudulently and have not received any funds from it. Further, it appears XXXX low-balled her offer as other former Wells Fargo customers received more with lesser damages than myself. I have not heard back from last mediation request form sent in as of yet, I suspect it will be denied. If so, I will require an address to send notice of small claim suit to Wells Fargo. I've made numerous good faith attempts at resolving this directly which includes calls made to Wells Fargo Executive Office Phone Bank, no reps are familiar with mediation program and are unable to locate XXXX XXXX, refer me to one of the settlement administrators which is separate from mediation program offered directly by Wells Fargo.. In closing, I again request refund of {$610.00} which includes fees charged to unauthorized accounts. Failing to do so, I will need an address to send notice of small claim suit

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 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot collected our escrow payments and then did not pay our county property taxes. When I contacted the company about the tax notice I received they said they would look into it and then call me back. I did not hear back from them and they sold our loan to another company at the end of the year. I later learned that they mailed us a check for the surplus in our escrow ( from not paying our taxes ), and when I found the unopened check it had already expired. I called Loan Depot to request a stop payment and reissue our check ( $ XXXX ) and they submitted the request task on XX/XX/2020. I was told that it would take 7 days for the request to be completed by the research department, and then 14 days for the check to be issued. I called on XX/XX/2020 to follow up on the status and was told that they could see the request was made and that it will take 14 business days to see a check in the mail. I called again on XX/XX/2020 to follow up and the person I spoke with said there was no original request made and that they are submitting it now ; then proceeded to tell me the exact same timeline information that I was already told at the beginning of the month. 

Loan Depot took my money and then failed to handle the tasks they were responsible for. At this point they are still holding my money and not returning it. I am not sure what else to do as I do not trust that they will follow through on the information they are providing me ( again ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28 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: FL

Complaint narrative:
I am in need of help from the consumer finance protection bureau regarding a lack of response from Trans Union the credit bureau. In XX/XX/2019 I opened a credit monitoring account after hearing of the XXXX data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX XXXX {$370.00}.

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 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
Checked my XXXX XXXX report and I saw a collection on my report ... their was is CBE GROUP ... .so I called and who are u u and why do you have this on my credit report ..i have never heard of u or Nor do I owe u money ... .the lady begin to say that I owe for a light bill fromXX/XX/19 toXX/XX/19 the bill occurred in XXXX Illinois and I told , her I have never been to XXXX nor lived there ... I  asked her to remove this fraugulant info off my credit report ... ..i, reported them to the police Dept ..these people are scammmers trying to get my info ... .they couldnt answer any questions they wanted to tell all the info and I respond if u have put something in my credit report then why would u need me to give up the answer ... .once again plz check into This company a They are fraud ... .my resolution is remove the negative and fraudulent info from my report ... these people, are breaking federal, laws ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested XXXX XXXX, Transunion to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is 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 explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested Equifax, XXXX, XXXX to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
I have been working with PennyMac since XXXX of 2019 and have had nothing but issues. My bimonthly payments were not being accepted since " the company doesn't recognize partial payments. '' I had to call every month to have them moved. Starting XX/XX/2019, I went to making full payments hoping it would reduce frustration. However, it hast, just lead to more. They continue to lose payments and their statements/loan activity is so difficult to follow it hard to decipher what they are doing, where the payments are going to, and why a certain amount is put into " Suspense. '' I thought they had to apply an overpayment to the loan in one form or another. I also receive harassing phone calls weekly stating I need to make additional payments. I have filed 2 discrepancies against their payment activity. Their response was " it was an IT issue and it has been resolved. Your partial payment was reversed. '' I never saw this reversal. I also had my agent at XXXX reach out to the company on several occasions and have received vague answers. I don't know where this reversal went but it wasn't to my account. Please look into this. I am currently looking at refinancing and cutting ties with this company. My agent at XXXX XXXX contact information is below. 

XXXX XXXX Mortgage Banker NMLS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Avant Credit Corporation
State: MI

Complaint narrative:
Applied for credit card with www.Avant.com website showed annual fee of XXXX dollars. After pulling my credit and giving me a hard inquiry approved me but with a XXXX dollar annual fee. Not that big of deal but when I contacted support through email they directed me to the 1800 support and after contacting them they just kept repeating that my annual fee is XXXX dollars regardless of what their website showed. Contacted email support again to tell them the issue was not resolved and was once again directed to 1800 support to be told again that the website saying it's XXXX dollars is not relevant to my XXXX dollar fee. This seems like false advertising to me as the only time XXXX dollars was shown to me was after I gave approval for the hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Calling into Equifax customer service at XXXX I used rhe callback function and was called back by an auto dialer where I spoke with a representative XXXX  number XXXX. The representative refused to validate my account and also to transfer me to his supervisor. A supervisor by the name of XXXX came onto the three way call and he disconnected her from the line then put me back on hold on a call going on twenty minutes. He refused to tell me his name so I am considering this a complete breach and FRAUD. I was told by supervisor XXXX when she came on his name was XXXX. He tried to allege that I would have to mail some documents in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: CT

Complaint narrative:
I have requested that the late charges added to my credit report from the year 2014 be removed I was in school during this time I should not have late charges on my credit report. XXXX have removed these late charges Trans union and XXXX are not complying they will not investigate they have not shown me any investigation results and they have not removed these late charges. They should not be on my credit report there are 20 in total they say I am late I was not late I was in school. 

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 2020-01-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A collection popped up on my report and I disputed this with the creditor more than 30 days ago and they have not removed or responded to my dispute. XXXX has removed the collection and XXXX has as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
An internal glitch in TD Bank 's online billpay system caused XXXX, a vendor used by TD Bank, to pay {$95.00} without being reimbursed by TD Bank. XXXX is attempting to recoup the money they lost through this glitch directly from me rather than from TD Bank. TD Bank is refusing to take responsibility for the error and wants me to communicate with their vendor. 

I did not authorize the payment in question. 

I do not have an account with XXXX or any previous contact with that company. They are a vendor for TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NY

Complaint narrative:
As previously stated, I am a victim of identity theft, I am a person NOT a credit repair company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: MN

Complaint narrative:
The accounts and the inquires on my credit report had nothing to do with me.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The items that are listed are not my items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been unable to reach anyone from experian regarding access to my credit report and membership account. They have an automated system that hangs up with limited options to reach a representative. I have already reset my password but I have a two step verification where my phone number has changed and I dont remember the security answers. Experian offers no way to reset those answers due to not being able to reach a representative.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was part of a free credit protection monitoring through Experian ; due to fraud that I experienced. 
On XX/XX/XXXX they automatically withdrew {$27.00} from my checking account. I tried to email and go online to cancel. I tried calling with hours long wait times. 
Again I was charged XX/XX/XXXX for {$27.00}. I called and called. I have been hung up on each time I attempted to cancel. 
I can not conceive why a credit reporting would re victimize consumers who were already been through the ringer. 
Please ADVISE AS TO HOW I CAN ATOP THIS.

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 2020-01-28 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: MN

Complaint narrative:
The items that are listed are not my items.

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 2020-01-28 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: CITIBANK, N.A.
State: VT

Complaint narrative:
Yesterday XX/XX/XXXX, I received a free copy of my credit report on www. XXXX Macy 's is listing that none of my payments have been received on my account from XX/XX/XXXX until present XX/XX/XXXX. In addition my account has a code as AID. 
I am not sure what this CODE AID means but I have never missed a payment. 
Macy 's may be listing me as deceased.

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 2020-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Zip Co US Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : QUADPAY VISA ( XXXX ONLINE PURCHASE ) is trying to steal money from my XXXX Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH QUADPAY ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX BOOT ( CHESTNUT  ) WERE DAMAGED, AND ( 2 ) XXXX  XXXX XXXX  XXXX  XXXX  ( NOT WANTED, WRONG SIZE ) Both QUADPAY AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX  XXXX  Slides purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). QUADPAY HAS SLREADY DEBITED MY XXXX CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and QUADPAY to no avail. QUADPAY IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). QUADPAY, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT XXXX CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, QUADPAY ORDER : XXXX. 

XXXX has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI CARDS/CITI BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my 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