vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Job scam and equipment purchase scam that resulted in fraudulent transactions In the amount of {$980.00}. 

A fraudulent check was deposited. Bank is not holding owner of account responsible for a fraudulent check but a fraudulent Money transfer was sent and bank is holding account owner responsible even though owner was absolved of the fraudulent check 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
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Repeated phone calls at all times of the day, upwards of a dozen calls a day. 

Thus disruption has been going on for several months. 

I have repeatedly told them I am not the person they are looking for, they have the wrong number, And Do not call me again. 
I have blocked them and they call from another number. REPEATEDLY. 

The calls continue, now asking for another person. 

I do not want any calls from this company and have gave clearly told them to refrain from contacting me. They refuse to stop..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
- My mortgage was sold from XXXX to Roundpoint Mortgage XX/XX/XXXX - {$2300.00} was sent electronically each month from XXXX XXXX XXXX XXXX XXXX XXXX - Roundpoint returned the payments XX/XX/XXXX, XX/XX/XXXX but did say there was a problem- I called 4 times after my bank sent me notifications Roundpoint failed to accept payment - 4th time " XXXX '' explained there was a glitch, they needed the Consolidated Bill Pay Provider my bank used. ( XXXX XXXX i pay solutions )- I emailed it immediately XX/XX/XXXX - I paid by router number the mortgage amounts sent XX/XX/XXXX and XX/XX/XXXX but returned by Roundpoint - Called XXXX to confirm Roundpoint had XXXX XXXX XXXX XXXX XXXX XXXX Bill Payer Provider, no one could confirm - Emailed XX/XX/XXXX to confirm Roundpoint had info needed and that payment would not be returned - Called XX/XX/XXXX and emailedXXXX " XXXX '' at Roundpoint could not say if it was corrected and asked for my routing number for payment - Credit score dropped significantly, Roundpoint submitted no payments when payments were made to them but not accepted for 4 months total ( notified this month was rejected 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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
We had an account opened thru Apple Credit. When opened I thought my husband did it so I used it. Learned later we were being a victim to identity theft. Luckily I caught this card before getting in the hands of anyone. I was making payments thru my AppleID. We learned that our Apple ID was compromised. We had to get new cell phones new ID and New Phone numbers due to the fraud. We are not arguing the usage but we would like to have a paper bill to insure no other charges were made not ours. We reached out to Apple to request paper statements and let them know of the Fraud on XX/XX/2023 when I learned they pinged my credit. I figured by the Apple ID being closed they would send a paper statement. None was ever recieved. I have no access to the old Apple ID do to the compromise nor do I want to open it on any other technology risking those items getting compromised as well.. Upon reaching out to Apple they responded to me with a letter that Apple doesnt support written correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Once again, the CFPB closes my complaint without a response from me. Goldman Sachs has not addressed the simple, basic, fundamental issue at hand here : accreditation. The school has provided proof that I did their learning but has not provided proof that they are a legitimate institution. I can create a school tomorrow to teach people something too, does that make me accredited? 

I AM NOT SATISFIED WITH MY PURCHASE. < -- - This is the reason for my dispute. Accept it and move on. Stop fighting over a measly {$500.00}. 

The bank is also lying and stating that they attempted to contact me on XX/XX/23, XX/XX/23, and XX/XX/23. They did not. I have no phone calls or emails from them, they are clearly lying and trying to get themselves out of this situation with their lies. I assume if the CFPB isn't going to help me I need to escalate this legally against both Goldman Sachs AND the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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 moment I received the duplicate of my report that I purchased with XXXX XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 
XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
i never received a letter in the mail, an email, or phone call, etc..

from the company superlative rm i had to find out what was in collections, because i was never notified in any way at all.

it has been affecting my credit for months now & i have never received anything from the company whatsoever, until today, when i looked at my credit, saw it has drastically dropped & then, had to do some digging to figure out what was ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
-I went to XXXX on XXXX - the charge was showing pending on my accounts -On XXXX the charge was gone and now showing " Dept Pending Correction '' for the same amount. 
-Wells Fargo

did not notify me that the charge didn't go through and it is still pending. -It seems sketchy

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This creditor XXXXXXXX XXXX  is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, Transunion, XXXX and XXXX. XXXX has removed the late payment. But Transunion and XXXX has not. I ask that Transunion and XXXX remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit report. This information does not belong to me. I need this fraudulent unauthorized item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
TransUnion, XXXX and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 want to submit a complaint on Transunion for the inaccurate information they are reporting on my credit report by law all the information must be accurate and match on all three consumer reports and it is not, I have previously tried to dispute the accuracy of this information and the company failed to do so or update me on the process this has hindered me as a young adult from being able to move forward and it is affecting my quality of life I wish someone would hold them responsible. I have attached a copy of my credit report with the highlighted inaccurate information for review

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My phone notified me my chase banking account was negative- over XXXX. I walked into chase bank reporting my account is overdrawn- XXXX. A lady couldnt do anything and told me to call XXXX XXXX. I did. They said it was not declined and sent the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Hello My name is XXXX XXXX XXXX XXXX XXXX having a lot of issues with my credit report because I do have a twin brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the XXXX credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please. 

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX account number XXXX credit reporting on the credit reporting bureas, XXXX, XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. XXXX crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX account number XXXX credit reporting on the credit reporting bureas, XXXX, Experian and XXXX are showing a late payment for XXXX XXXX and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Hi Rushmore. Thank you for the quick response to my request for information. However, you claim that you had a loan with me and now u dont. You then go on to ask me for documents that I can not possibly possess because, as I explained to you XXXXXXXX XXXX has taken affirmative conduct to block me, ignore me, and refuse to reply to me here. So you my want certain documents but again I am unable to provide do to circumstances out of my control, but I still need your assistance and am grateful for any you can spare. I have provided you with what XXXX XXXX  sent me in its last communication to me in XXXX. You are named as having or having had an interest in my home. As there is an ongoing civil suit I humbly ask you to please please please help me understand what interest you hold or held in loan XXXX. I am so grateful for any help.

Company response to consumer: Closed with explanation