vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: CA

Complaint narrative:
I received a voicemail that asked for me by name, when I called the number back, they would not disclose any information to me. I never received mail/other information that indicated my account would be sent/had been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I sent the attached second RESPA request to this party and got a non response stating they object to my requested documents, this is the second time I've been responded to stating that my request is too vague denying me my RESPA requested documents. This party is denying me my rights to these documents under Section 6 of the RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Wave Financial USA Inc.
State: NY

Complaint narrative:
I used WaveApps.com to accept my customer, XXXX XXXX XXXX payments. I completed the service and delivered my works to XXXX XXXXXXXX. 

XXXX XXXX received my work files ( XXXX XXXX ) XXXX XXXX issued a refund from the credit card company. 

WaveApps gave me a short notice email informed me of the charge back and closed my account. I received non-payment for the works I've done and I lost my account. 

WaveApps didn't protect my right and did not provide any information on the website or the email before I used their service. 

I also submitted my complaint to the New York State Department Of Labor for non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In 2016 it says I got a XXXX XXXX credit card In my name, It was for XXXX XXXX they are saying I did it but I never put any kind of card on my name before. I would like to report it as fraud XXXX XXXX and XXXX XXXX had access to my social Security card number while I was living with them at the time I had no idea I didnt have to give them that while living with them. And next thing I know I was getting letters in the mail as soon as I moved out of there house about XXXX XXXX but I never even been on there website. Im pretty sure they put my name on their consumers bill or I think it was charter I would like to get it investigated because I do not want none of this on my credit it would be nice to figure this all out those two people are the only ones That had access to my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: KY

Complaint narrative:
MRS XXXX  contacted me last year regarding an internet bill. The account had been with another agency prior to MRS . I asked that agency, in writing, to advise what the bill was for. They responded it was equipment that hadn't been returned. I had returned equipment and my bill reflected it, but did stated I had " other equipment. '' My question to them and to the first agency was " What equipment do I have. '' The proceeded to send the account to MRS XXXX. I paid to MRS XXXX  what they showed was not for equipment and told them to send me details of what equipment I have so I know what to look for. They didn't. XX/XX/XXXX, I received a text message from MRS Assoc at XXXX " regarding a natter for XXXX. MRS is a debt collector. '' I responded at XXXX XXXX " Cease communication until you can tell me what equipment I have. This is disputed. '' Their text came from XXXX, Today, ( XX/XX/XXXX ) at XXXX XXXX  I received a text " Please contact MRS Assoc at XXXX regarding a matter for Spectrum. MRS is a debt Collector. '' My response to them at XXXX XXXX  " You ignore my written communication until you provide me with details as to what equipment I have? Isn't that in violation of the FDCPA? I will ask CFPB and FTC. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My financial institution NFCU has denied my dispute for a fraudulent scam transaction more than three times. Initially I was granted a temporary refund for the dispute but that was taken back within a month. I have shown proof that the fraudulent merchant XXXX XXXX XXXX XXXX did not provide the service that was agreed in the contract. I also provided proof that the merchant agreed to refund me in full, but however that never happened and they kept giving me excuses why I had not received my funds. Hence the reason I started the dispute with NFCU to help me get my funds that are owed to me. I thought being a client, a LONGTERM client of NFCU this would be handle in a better and quicker manner. When I contacted NFCU yesterday about the dispute the customer service rep was helpful, however the dispute dept. that she was " chatting '' with for help was VERY nonchalant. The credit is only for {$250.00} which to some may not be alot but to a single mother of XXXX it puts a dent in my finances.Overall I am very upset at the way NFCU is handling my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 



Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from 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 monetary relief
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  CARD-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have debt in collections on my credit report from choice recovery. Ive never conducted any business with choice recovery. Ive disputed this chargers asking them to remove from credit report. Choice recovery sent me personal medical information and records of mines in which they shouldnt have. Ive never released Nor gave permission of release any of my medical history to Choice recovery. Choice recovery has violated my HIPPA rights by obtaining my medical records without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
XXXX XXXX XXXX {$2500.00} Closed 1 potentially negative month Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Unsecured Loan This account is no obligation of mines 15 usc violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent. This Constitute identity theft by Experian 18 usc 1028 According to the FCRA Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying information, without authority, to commit fraud.

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 2021-07-23 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: CA

Complaint narrative:
Upon review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the of all hard inquiries.

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 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
We had a number of issues and delays with Better Mortgage during our refinance in XXXX. We started the process at the start of XXXX and it wasn't completed ( or at least we thought ) until end of XXXX. We've never had a purchase or refinance take 3 months! 

Well, the latest issue just came up today, XX/XX/XXXX. We kept receiving statements from our old HELOC servicing company, but assumed it was a glitch because our HELOC account was with a credit union in XXXX, IL ; however, they outsourced the servicing to a company called XXXX. This was supposed to be paid off/closed during the refinance process. The account with the credit union was closed ; however, we just found out XX/XX/XXXX that the XXXX HELOC for {$500000.00} was still opened almost 8 months later. I called XXXX to stop the statements because the most recent one showed we were charged an annual fee ; XXXX stated it was still an open/active account being reported to the credit bureaus and refused to close our account. I said I have a paper trail with the title company ( XXXX ) and Better Mortgage that we signed the closure form and emailed to them on XX/XX/XXXX. They had " forgot '' to have this included when we signed all other documents at closing, so XXXX  emailed me the HELOC closure form on the morning of XX/XX/XXXX ; I returned by the afternoon of XX/XX/XXXX. 

I emailed the contacts at XXXX XXXX and Better Mortgage with no response on how quickly this will be fixed or how it will be corrected. 

It has adversely impacted us showing our debt ratio higher than it should be with an open line of credit for {$500000.00}. Let alone the time now I've had to take calling 3 different companies, being put on hold to be transferred to the correct departments and babysitting this process to have a major error corrected that we didn't even create.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendUp Loans LLC
State: CA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$520.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$690.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
During the beginning of 2021 I lost my job due to it closing because of covid restrictions. My bank account was already in the low hundreds. Before I knew it bills and other unknown transactions were automatically coming out of my account. I called them and tried to have these transactions blocked but they said there was nothing they could do. My account was suddenly overdraft and i was charged a fee of XXXX dollars. I tried over and over again to have all transaction blocked but kept getting told the same thing. Over a period of a month they charged me over XXXX dollars in overdraft fees! No one on there customer service team would help me. Later i received a letter in the mail saying i owe them over XXXX dollars and if its not paid they will report my account to checks systems or something. The only reason my account was overdrawn the way it was is because they refused to close my account or block transactions from coming out. Return item fees, overdraft fees! its basically stealing! All I wanted was all the overdraft fees and return item fees refunded after speaking to customer service multiple times no one would help me. I was basically talked down to and threatened. This was with BB & T Bank. Also known as Trusit. I also cant get into my account to get documents because they locked me out!

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