vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: WI

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I used MoneyGram app to send {$100.00} plus {$.00} fee to send some money to overseas on XX/XX/2021. They had the option listed to send the money directly to their bank account. My recipient to this date never received the funds. I made multiple inquiries to get a resolution on this issue and started a complaint which they opened a case on XX/XX/XXXX. XXXX Finally they emailed me on my case on XX/XX/2021 stating the Money was transferred to the recipient 's account with delays but it is NOT in their account to this day. I called them and wanted to talk to a supervisor and they advised me to reply to the email instead of calling here. I did respond to the email again on that day and havent heard anything again. The resolution they had was since it was transferred with delays they will reimburse me the XXXX cent but I had to go to a physical MoneyGram location and fill out paperwork just for the XXXX cent but no solid evidence to support the money was in fact transferred to my recipient. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: VERITAS FUNDING, LLC
State: OR

Complaint narrative:
Veritas Funding ( XXXX XXXX  XXXX ) sent me an official/government-looking letter in the mail insinuating that I have " Adjusted Available Funds '' in the amount of {$3200.00} on my current mortgage with XXXX Loans. This letter reeks of a predatory lender tactic and this company should not be allowed to use this very deceptive tactic to lure unsuspecting customers.

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 2021-12-03 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
This specific account is in fact stated as a charged-off account, you need to identify why exactly there is a balance indicating on the file whether it is a charge-off? The balance is truly wrong, make sure to change it to zero or eliminate the item totally. Make sure you also furnish documentation to substantiate all the charges and credits for this supposed account that led to the extremely high credit figure you have detailed on my file. My request to present these documents is usually a standard information inquiry based on my privileges granted within the fair credit billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My previous appeal for you so that you can offer me all the information as to the person you mention to along with the addresses and names of the person or persons asked has regretfully never been achieved. At this point, I am thinking about the lawsuit and also have started the entire process of speaking to legal " suggestion ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
On XXXX XXXX my mortgage payment was increased by {$210.00} per month. I called Shellpoint and was tols they are demanding a cushion in my escrow.They are charging me this for the next 12 months. My usual large monthly escrow payment is enough to cover taxes and insurance. There is no reason for this. They will not respond to my 2 emails to let me take over paying my taxes. My mortgage was sold off to Shellpoint. I would never would have done bussiness with a company that is now putting me in a hardship and an unaffordable monthly payment. When calling they just repeat we want a cushion. Please help before I am in deep trouble.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: MD

Complaint narrative:
Submitted a dispute to experian to advise that an account from XXXX XXXX bank was included in bankruptcy, the account has been closed and the creditor is no longer reporting. Experian updated the account as being opened and never late, disputed the account again and experian updated the account has being opened and late XXXX  days. The bankruptcy was filed in XXXX of XXXX how can the account be updated to be late XXXX days in XXXX when it is just XX/XX/XXXX. Discharge is set for XX/XX/2021. XXXX has the account closed and is no longer allowed to report or try to collect a debt because of the bankruptcy stay.

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 2021-12-03 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: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually

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 2021-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX ( Regulation F ). XXXX Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Wells Fargo is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And XXXX XXXX XXXX ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to XXXX XXXX XXXX Wells Fargo is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to XXXX XXXX XXXX right of rescission Wells Fargo did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to XXXX XXXX XXXX b ( XXXX ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have XXXX  years to exercise that right a creditor shall deliver XXXX copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to XXXX XXXX XXXX ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to XXXX XXXX XXXX b ( XXXX ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( XXXX ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice. 

Pursuant to XXXX XXXX XXXX No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction XXXX XXXX XXXX Wells Fargo has received payments on this alleged debt and affiant has the right to direct Wells Fargo to return all payments

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 2021-12-03 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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