vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: FL

Complaint narrative:
The accounts listed are fraudulent someone stole my personal information AND social security number and photo ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME ... I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc

Complaint narrative:
I m working with PayPal last year they asked me for all the necessary document to unlock my account. And last week the made a limitation on my account holding about XXXX USD ; I replay with all the requested document, but the customer service telling me each day I contact them the team reviews my problem and they will back to me less then XXXX. I m looking to have my problem solved by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
Transunion wont change my last name back to my maiden name even though I have changed it over 13 Years ago, I have contacted them over the years and it still dont change the only thing said was it dont matter on a few occasions its still me, I also got they cant change it since it is that with some creditors change it with them so we can change it. Send in paperwork to prove which I have mutiple times.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/21 I used a phone number that I googled and believed to be the Wayfair credit card payment line to pay my recent credit card bill. I made the payment and was told I would receive a statement of the payment, but it was never sent. On XX/XX/21 I received a suspicious phone call saying that my transaction had not been completed and that I still owed them my bill. When I called number listed on my bill, I was told that my account was now overdue and was not directed to a customer service representative to resolve the issue. I am confused because each time I call, I have a different answer. They either say they can't find my account or that I owe a debt. I also don't understand why I can't get a customer representative to help me. When I was able to find one on XX/XX/21. I feel that I have been scammed. I don't know if my information was stolen or if there is a glitch in Wayfair 's system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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: TX

Complaint narrative:
I've reached out to the 3 bureaus and ave not heard back as if yet in regards to my results.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/XXXX, SSA outsourced to LexisNexis, aka Accuity Asset Verification , & Acurint 3 Inquiry History Reports for the date range XX/XX/XXXX - XX/XX/XXXX. As is standard procedure, SSA had a duly executed authorized for release of private financial information for me, XXXX XXXX, an SSI recipient, but not my mother, XXXX XXXX, who is NOT an SSI recipient. LexisNexis/Accuity/Acurint did solely a name match with XXXX XXXX, XXXX, to a savings account in my mother XXXX XXXX 's name, for which I am not associated, except that I am a Payable upon death beneficiary. For this false match, SSA unilaterally cut off XXXX XXXX XXXX SSI Beneifts on XX/XX/XXXX & would not entertain any proof from XXXX XXXX, XXXX, that I, XXXX XXXX had no access to the account nor that proof from XXXX XXXX, NA that this account is Titled solely to XXXX XXXX. LexisNexis/Accuity/Acurint stated their investigations could take beyond 30 days and XXXX XXXX, XXXX did not always cooperate. Neither LexisNexis/Accuity/Acurint nor SSA would accept any documentation directly from XXXX XXXX, XXXX, yet I was the loser, having lost my very needed XXXX Benefits. In XXXX, Attorney XXXX XXXX of the XXXX has filed an Amicus Brief in this matter in Federal Court, styled XXXX v XXXX XXXX XXXX. In XXXX, Attorney XXXX XXXX wrote a legal scholarly paper on behalf of the XXXX oh how LexisNexis/Accuity/Acurint & SSA 's " false match '' tactics deprive SSI recipients of basic due process. In the XX/XX/XXXX issue of XXXX XXXX, an article written by XXXX XXXX XXXX XXXX called " When LexisNexis Makes a Mistake, You Pay For It ''. It outlined cases where victims of LexisNexis/Accuity/Acurint 's mistakes have fought for years to clear their names. Several are still fighting. 
This is an unacceptable. For SSA to accept hands down, without question an asset report that is fatally flawed is egregious. This is definitely a violation of due process. People on SSI need their benefits. SSA employees act like dictatorial enforcement officers, calling out the beneficiaries as liars, hiding assets they do not have. This must stop. 
My XXXX has been stopped. I have bills I can not pay. I face homelessness because of this egregious practice, and an SSA employee, who treated me, an elderly, XXXX person, so badly, he actually brought on a XXXX. Before that, I had not had a XXXX in 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Collector refused to provide info on debt or breakdown of debt. They did not tell me the amount owed, they did not tell me I could dispute the debt. No written information with name / address of company provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
Mortgage Servicer The Money Source FHA loan Attorney General of Massachusetts involvement Forbearance option due to Covid 19 pandemic This issue arose in XX/XX/2020. The Money Source steered me into the wrong direction that profits them substantially and did not give me the option to pay back my missed payments. I contacted my AG for Massachusetts. My AG took an extended period of time trying to resolve this issue. I found this was a calculated effort because I found out from the AG himself that he was a mortgage servicer in the past, so I feel this is blatant conflict of interest. Plus it is hard to pursue much now because he knew that drawing out the time, it would make it more difficult for me to make a case of my own with my own counsel. Now I have a forbearance option that I was forced into by my servicer, an AG that helped their process, which makes it harder for me to refinance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had tied automatic payment to a savings account and failed to timely transfer funds. When I discovered the issue on XX/XX/XXXX, I immediately transferred funds ( {$24000.00} ) from my checking account directly to Citibank that same day, as XXXX literally just confirmed to a manager at Citibank ( XXXX from Florida was all the information the Citibank manager was willing to provide ) with me on the line. Despite immediate receipt of funds, Citibank only removed the hold after I called twice to complain. 

Citibank number XXXX XXXX XXXX XXXX. XXXX checking number XXXX. 

Sincerely, 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 explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had a horrible problem with chime Bank now what has happened was after opening my account earlier this year I opened it to receive my direct deposit for my pendemic unemployment assistance payments so after opening my account and verifying all of my information I received my card shortly thereafter in the mail and I activated it was also offered to open a credit Builder account and that I was eligible for the spot me to cover me if I overdraft or anything. so I receive my first round of unemployment payments direct deposited into my chime bank account any which included roughly XXXX months worth of back pay which totaled around {$3000.00} and within 24 hours chime Bank had suspended my account and they have denied me access to my money in fact they closed my account and sent me an email stating that my account was not eligible for a refund and they also have limited my being able to contact them or speak to a person any which way I've ever tried to I can not reach them anymore I have no access to the account and they refuse to respond to me any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent dispute letters to all three credit bureaus requesting deletion of inquires on XX/XX/2021 also called XX/XX/2021.

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 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX  is trying to recover a debt I never made and a XXXX debt I never been to or use Please someone I have never been to XXXX XXXX XXXX XXXX or any emergency room in XXXX XXXX I am a veteran under the v. A. The Insurance would have paid any XXXX debt owed Which means this is fraud someone claiming to be me please show my signature signing the XXXX treatments and bill and why was I there

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 2021-02-22 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: LA

Complaint narrative:
Sent Affidavit, Letter of explanation, as well as Police Report to credit bureau and they said it was verified and that is impossible, because they did not show any proof of that and I showed all the proof.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Citizens One Home Loans granted me a COVID forbearance which was to end in a payment deferral as of XX/XX/21. I resumed my mortgage payment as directed yet because their systems were not updated with the COVID forbearance information they reported me delinquent on XX/XX/21 which brought my credit score down from XXXX to XXXX. 

I was told the past due amount was added to the end of my mortgage and would be due at maturity. This was a government program where customers are told it would not affect their credit. They are reporting customers as delinquent when their program ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I called the company and told them I did not know what the debt was for. They said it was for XXXX. I called XXXX and they said it was that I never returned a Router or modem and that I owed them money, the money owed was over {$50.00} and I paid them by credit card. ( I did not have their item i'm being charged for and it was taken by one of their technicians after working at my house. I told them again this debt was disputed and they had forgiven the debt already. This whole situation is suspicious because the debt was supposedly incurred over 4 years ago. ) However, I found out the debt was put into collection recently and took care of it with the company. 
I told the collection agency and they have not removed this after it has been on my credit since XXXX. There is no notification that this debt was paid on my credit report either. They reported this to all my credit falsely with a false number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: GA

Complaint narrative:
Sent dispute letters to all three credit bureaus requesting deletion of inquires on XX/XX/2021 also called XX/XX/2021.

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 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to both XXXX  and XXXX. They are stating that the original amount of the debt is {$93.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to the bureaus. The amount of this debt also continues to grow with interest being tacked on and now sits at {$200.00}. I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Re : Follow up CFPB Complaint ID : XXXX I'm unsure why my claim couldn't be substantiated but in reaching out to customer service they indeed confirmed my acceptance of the invitation ( XXXX ). Additionally, I've appended the offer letter and supporting documents for your review. If a recording or transcripts of the conversations are necessary we can work with our third party verification services provider to furnish upon request. 

For reference, my description of events are as follows : In the first quarter of 2020 I received an offer to upgrade from the American Express Green Card to its Gold Card. As part of the offer they included a number of Travel Benefits and credits that were to be applied within subsequent billing cycles. Additionally, their annual membership fee was to be pro-rated to reflect the existing membership fee payments and number of months remaining in the year. I accepted the upgrade offer but unfortunately the benefits and adjustments were never applied as promised and the resulting changes to my account didn't take place as described. It turned out that the representative I spoke with was part of an outsourced support effort specific to the travel offer and misinformed me about the program details. I spent the next several billing cycles attempting to correct the issue - having fees reversed and comparable adjustments applied. However I was assessed a penalty APR rate that began in XXXX which was finally lifted in XXXX of this year. All the while I've been informed that a credit adjustment for the difference in what would have been my standard ARP and this penalty APR would be made. I've made a number of attempts every month since to have this corrected - opening a number of cases with Customer Care only to have no follow up or resolution and ending with a representative pointing me to the Cardmembers Agreement with what appears to be no review of the history or details of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NY

Complaint narrative:
I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting an address which does not belong to me. I am very concerned that my identity has been stolen and the thief placed an address that does not belong to me. The address being reported is " XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at this address.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I refinanced this mortgage on XX/XX/2020 and paid my property taxes through my new escrow due to LoanCare having not submitting payment yet. During the final stages of funding, LoanCare paid taxes on my property after my new escrow had already paid them in full. 

I was then notified by my county tax assessor-collector that my property tax payment was overfunded by {$4500.00} on XX/XX/2020 due to two full payments and has credited the second payment back.

I have been trying to contact LoanCare to determine how to retrieve this overpayment back, but have only received one reply after several inquiries and the reply was unrelated to this issue.

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