vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
I have collections from medical bills Amerifinancial ( XXXX ) XXXX XXXX XXXX XXXX that I have informed them and sent proof that I had financial assistance at the time that covered cost 100 %. 

I have a credit card for XXXX XXXX XXXXXXXX that I filed a claim with stating it was fraud. This resulted in them sending it in as a charge off. 

Can you please contact me to assist 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 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I received a domestic wire transfer into my XXXX Checking Account. Chase withdrew {$15.00} from my Account as a fee for the transaction. 

I am familiar with this technology. Theres no cost to Chase. There are no personnel involved. A wire transfer is no different from a payroll or XXXX transfer. And neither are assessed a fee. Wire transfers should be treated the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo wont let me use my account anymore. Whenever I try to pay somebody it gives me a vague error " There was an issue with your payment please try again later '' What originally happened is I had an issue with my bank account where I didn't have enough funds to clear a payment. Since then Venmo won't let me make a payment or delete my bank account. 

Today I tried to make a payment using my newly added chase credit card - denied. 

I tried readding my bank account ending in XXXX and it was also denied from verification. The two trial deposits I entered are XXXX and XXXX. They are now saying " Unable to verify bank account '' and that the two deposits are incorrect. 

Venmo, I am kindly requesting a more detailed explanation as to why my account is locked right now, something beyond your typical " for security purposes '' vague explanation. 

If you do not unblock my account, then consider this my official request to delete ALL my data and information from your databases pursuant to the California Privacy Act. If you won't let me use your services anymore, AND you won't give me an explanation or time line as to when I will be able to use my account anymore, then there is simply no reason for you to keep my information on file. 

Previously I tried to delete my bank account information thru the app, but I noticed your app was designed in a way to not let me easily delete my bank account information. I had to call in and wait on hold for a very long time before a representative was able to delete it. 

No reasonable person would find this behavior acceptable. Venmo, please provide a thorough explanation as to what is going on with my account and do not hide under the blanket excuse of security. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX has charged me for a subscription that is not giving me and American Express is charging me for the subscription even though I have submitted proof that I have not received the service, instead, I have a free subscription. 

On XX/XX/2021, I checked my American Express credit card account and noticed that XXXX had automatically renewed my subscription. I immediately contacted them to request the cancelation of the subscription. I received an email stating that they will not renew my XXXX subscription. They did not return the subscription money to my American Express credit card account. 
I tried to call them but nowhere had they listed a phone number. 
Resigned to have the subscription for one more year I login into my account and they had canceled the subscription but had not reimbursed their fee to my account. 
I contacted them each time I checked the XXXX account ( please see attachment, they have me as a free account ) but they kept both my money and the cancelation. 
I contacted American Express and they did nothing to validate my request. They accepted XXXX 's statement that it was a valid account even though I have sent American Express the attachment showing that it is a free account XXXX is given me. 
American Express kept on charging me over and over the subscription fees each time XXXX denied the claim. I had to spend hours contacting XXXX and American Express every month since XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has XXXX. According to the FCRA if these debts are not validated they must be removed 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 non-monetary relief
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has XXXX. According to the FCRA if these debts are not validated they must be removed 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 non-monetary relief
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX  I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
TTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-11 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:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

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 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I received a phone call from Huntington bank threatening that they would send me to collections if I didn't pay my mortgage. I was waiting for my next pay period to pay the mortgage and was still within the grace period. I have never been late with a loan payment ever and it wasn't late and yet I got a threatening phone call. I've never been called by a bank ever let alone to get yelled at for a payment that was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-11 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: IL

Complaint narrative:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute via certified mail to TransUnion on XX/XX/2021 which was received by them on XX/XX/2021. I have yet to receive any updates on my dispute and furthermore have been checking my report periodically and none of the items disputed are even in dispute status on my report. It has been almost 2 months and this is the second time I have complained about disputes to TransUnion not being completed. Last time I made a complaint of the same issue and they responded that they would then enter the disputed information which a couple months had already passed since they received it then. Unacceptable and against the law. I will include the attachment of the letter that was sent as well as the tracking information which details it was indeed received by the company.

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had fraud on my account on XX/XX/2021. I called Wells Fargo immediately as it was happening. They had me on hold for hours over the course of two days giving explanation to different departments. They gave me a provisional credit of the XXXX dollars that was taken from my account. On XX/XX/XXXX they revoked the provisional credit without explanation, I just noticed on XX/XX/XXXX because I logged into my account. Supposedly they allow for 10 days to appeal, but when I called they said the department was closed. I called back on XX/XX/XXXX and the wait was over one hour. I asked for an explanation and after 30 minutes they said it was because the login to my account was legitimate which it was not and no one knows my login. I asked for an appeal and the refused to accept it. I sighted their Online Security Guarantee policy on their website and the agent refused to acknowledge it. I also sighted the zero liability program and the Payment Service Regulation and the agent actually laughed at me. Please assist me with recovering my stolen money which I reported as it was happening and I have no idea how someone absolutely someone random that I have no idea Who it is got into my account and transferred this money out. Not sure why Wells Fargo allows 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 explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I reached out to Homeloanserv for the Covid Forbearance and then around XXXX of XXXX my account was reviewed and elgible for the FHA Partial Claim/Modification program XXXX Well Homeloanserv sent my paperwork after XXXX XXXX weeks to a stranger with all my personal information it and a higher amount that was incorrect. I asked them to hold off because i was approved for a grant that bought my mortgage current and then spoke with supervisor XXXX that gave me an option to modify my loan. It took over 4 months to receive the modification agreement. During this time my property taxes was paid early XX/XX/XXXX. Homeloanserv did not do an escrow analysis or anything for me. They waited until XX/XX/XXXX to process my modification and posted late on my account. A payment for XX/XX/XXXX of {$1800.00} was sent to Homeloan on XX/XX/XXXX and they have it posted on my account with the wrond date XX/XX/XXXX. I have enough money in my escrows over {$9000.00} to cover my property taxes for rest of year including property taxes over {$1600.00} that was included into XXXX & XXXX XXXX payments. They have not sent me a surplus refund or even asked if i wanted it. Homeloanserv did not pay my property taxes to XXXX XXXX. They wont even provide me with proof of their payment which i requested already. I am double paying property taxes and my loan should be updated and overall monthly payments reduced with the prepaid taxes in the escrows. They wont return my calls, they are lacking in professional principle ethics and not communicating with me or granting any type of help. Just taking me in circles with stress and frustration which would leave me with inaccurate mortgage finance numbers on my account and push me to be late or possible foreclosure. I dont understand their unprofessional behavior. I need a resolution immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX regular payment made {$780.00} mis-applied to principal XX/XX/XXXX regular payment made {$780.00} mis-applied to principal both mis-applied by servicer as principal balance reduction. I calledXX/XX/XXXX ( 12 min call ) and XX/XX/XXXX ( 26 min call ) requested twice for corrections. I followed up on XX/XX/XXXX ( 5 min call ) and was told had to be transferred to someone else ( another 8 min call ) I was assured this was corrected and corrected 1098 would be sent out. XX/XX/XXXX, got the same 1098 in the mail again ( not corrected ) another call ( 23 mins ). I was told this time not corrected and will now take another 30 days and they make lots of errors. ( they do ) I am not able to determine on their website what is the last payment applied nor see any of my payment history, but each time I sign into my acct it prompts me repeatedly to go paperless. ( That way i'd never know what they are doing ) Also they failed to pay my hazard insurance {$2000.00} causing cancellation of my insurance XX/XX/XXXX. I called them to advise and they paid it twice. {$2000.00} & $ XXXXThis also caused my escrow account to go into the negative. My insurance was reinstated and I was sent the overage and paid it back into my escrow account XX/XX/XXXX. I need this all corrected prior to my annual escrow analysis being done in XXXX as the mis-applied 2 pymts will cause further shortage in my escrow acct resulting in higher payment thus another mess to deal with. I want my 1098 corrected like yesterday to include those 2 payments paid in XXXX and a statement to SHOW the corrections and the funds XXXX and XXXX applied as regular payments back dated to XX/XX/XXXX and XX/XX/XXXX. It seems every time I call I get a different made up story oh I can't get into my back office right now to see? ( LIAR- made up XXXX please don't insult me ). I asked for escalation tonight XX/XX/XXXX and was told they can't do that? This is causing undo stress an anxiety on me for multiple errors this company has made. I'm a senior citizen now and should not have to deal with this stress or repeated calls to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation