vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/2022 at XXXX I went into the branch of Wells Fargo ( # XXXX XXXX ) to make a single deposit. The check was in the amount of {$15000.00}. I filled out the deposit slip with minus {$500.00} cash back. The Teller called for manager approval and the manager came over, reviewed the documents and approved the transaction. The Teller gave me my Transaction Receipt and no cash. I told the Teller that I wanted {$500.00} cash back. She said to re-enter my debit card into the charge master and re-enter the amount I wanted cashback, which was {$500.00}. My statement now reflects a deposit of {$14000.00} and a cash withdrawal of {$500.00}, which is incorrect as I only received {$500.00}. I called Wells Fargo Claims department on XX/XX/2022 to dispute this and have followed back up with a call on XX/XX/2022. The claim number is XXXX, which is still unresolved. My account needs to be credited back {$500.00}. I have lost trust in Wells Fargo to handle my money correctly and have no confidence that they have my best interest in mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX pulled my credit from Bank Of America after they were told several times not to and they assured me they would not. 
I spoke with the sales/financial manager XXXX and he stated they made a mistake but it was no way for them to remove it unless I disputed and they would not contest. I sent XXXX XXXX a letter on XX/XX/2022 as well, during that time asking them to remove both inquires because I received a inquire from XXXX XXXX XXXX Bank of America because of it. App # XXXX & App # XXXX. Please remove any inquires from XXXX XXXX XXXX Bank of America because of 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
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
On my latest personal credit report it shows a credit card that is not mine. XXXX XXXX : XXXX XXXX Bank XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Monthly Payment Monthly payment {$910.00} Date opened XX/XX/XXXX Loan type : CREDIT CARD account type : Revolving Account Date updated : XX/XX/XXXX Payment received : {$0.00} Pay Status : Account 30 days past due date Terms : {$910.00} per month paid monthly High Balance History : high balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX : {$8.00} from XX/XX/XXXX to XX/XX/XXXX. 
{$16.00} from XX/XX/XXXX to XX/XX/XXXX ; {$19000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX remarks : FIRST PAYMENT NEVER RECEIVED

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 2022-06-14 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: TX

Complaint narrative:
Ive submitted mutilple disputes to block and remove accounts on my credit file that I know that all fraud. Experian has to investigate each account and make sure there 100 % accurate and reporting the same on all three consumer reporting agencies XXXX and XXXX. I demand you block and remove the accounts pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. An you should be reporting 100 % accurate according to congress and the Fair Credit Reporting Act if not you will be held civil liable for all damages you have cost me as a consumer because I cant get approve for credit. Pursuant to 15 USC 1681 ( a ) ( 1 ) the bank system is dependent upon you Experian reporting 100 % accurate and fair. I demand that your reinvestigate and block these entries now and be removed within 4 business days.

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 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VT

Complaint narrative:
This is a second complaint as after trying to modify my mortgage after a Covid forbearance my servicer of my mortgage, Rushmore Mortgage Servicer, has constantly been asking for the same documents over and over saying they did not receive them when I have proof they did. I resend documents AGAIN only to have the same thing happen again. This last one takes the cake! My modification has not been sent to the underwriters because they keep saying the package is incomplete. My last conversation with Rushmore they asked for a lease in which I sent to them. About 2 weeks later I called them to verify that my package was complete and they told me it was not and they did not receive the last 2 pages of lease. I told them thats IMPOSSIBLE as the lease I sent was 1 file. How could they get 6 pages and not the last 2 pages of the file. If a file is corrupted they would have no pages. The first person I spoke to was very adamant they did not receive and was of no help and insisted I resend. I did resend the lease 10 minutes later HOWEVER I decided to call Rushmore back. I spoke with a lady who was VERY helpful and actually looked into to see what may have happened. She then informed me that they indeed had received ALL 8 pages and that the person who probably entered the information neglected to select the last 2 pages. I asked her to note this on my file. She did. The reason I asked her to note this on my file was because my tenants had already received notice that I was in foreclosure. This is how these predatory companies steal your homes! They keep saying they do not have a complete package so they can not send it to underwriting. If you do not follow up in a timely manner they WILL FORECLOSE ON YOU! There are time limits in a foreclosure and if a Servicer can keep your package out of the underwriters hands who approve or disapprove a modification, you get foreclosed on. They told me several times my package was complete! The constant document misplacement along with Rushmore saying they never received docs that I had previously sent, has happened several times in the last 6-8 months! Had I not called in this last time, ( they told me on the phone the requested lease would complete my package so it could go to underwriting ), I would have been foreclosed on as according to the foreclosure paperwork sent to my tenants, I had only days left to respond. Now I have to call back in 2-3 days and MAKE SURE the underwriters are reviewing my package and that they have stopped the foreclosure while they review for modification. One last note. I sent a letter to Rushmore asking them to call me anytime if they needed documents or if changes were being made and also to keep me updated. In the last 6 months I have not received 1 call from this company. ONLY LETTERS, which tend to be delivered 10-14 days later than the date posted on the letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Chime Financial Inc
State: TX

Complaint narrative:
Four Transactions XX/XX/XXXX 1. {$100.00} 2. {$100.00} 3. {$120.00} 4. {$81.00} My XXXX account was compromised and purchases were made. I have a recorded phone call made XX/XX/XXXX proving they were found fraudulent by the XXXX team. 

XX/XX/XXXX 5 charges 1. {$120.00} 2. {$120.00} 3. {$120.00} 4. {$120.00} 5. {$120.00} These charges were made at a XXXX gas station in a neighboring county. A police report was filed. Chime also denied this claim within 12 hours of filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding XXXX XXXX. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.

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 2022-06-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 's XXXX ( XXXX XXXX XXXXXXXX ) ... XXXX ( XXXX XXXX XXXX  ) ... XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX OF XXXX ) .... has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-14 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: OR

Complaint narrative:
I am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.

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 2022-06-14 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: OR

Complaint narrative:
I am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.

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 2022-06-14 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: Chime Financial Inc
State: NM

Complaint narrative:
I ordered patio furniture from XXXX that never arrived, I initiated a dispute explaining to my Credit Card issuer what happened but they found the charge was valid. After working with XXXX they agreed to refund the purchase but could not do so because of the dispute. After a few weeks of back and forth with Chime they refuse to do any research or resolve the charge, even after I sent them many documents that support me getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-14 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: MA

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
RESURGENT CAPITAL SERVICES, IS ATTEMPTING TO COLLECT ON A DEBT THAT THEY CLAIM IS MINE, BUT IT IS NOT REFERENCE # XXXX. ITS BEEN PASSED AROUND TO THEM FROM ANOTHER COLLECTOR, LVNV FUNDING WHICH IS STILL NOT THE SUPPOSED ORIGINAL CREDITOR. SUPPOSEDLY ORIGINALLY BELONGING TO XXXX  XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT THAT THEY CLAIM I OWE, IN WRITING AND IN A TIMELY MANNER ACCORDING TO THE FAIR CREDIT REPORTING ACT. IM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I DONT EVEN KNOW WHEN THAT WAS, BUT IM SURE THEYLL TRY REAGING THAT FRAUDUALANT ACCOUNT, I HAVENT APPLIED FOR ANYTHING IN YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
As of XX/XX/XXXX Marcus by Goldman Sachs took over XXXX XXXX XXXX XXXX credit card accounts including mine. In the last few months of XXXX I had a credit of {$13.00} which the Marcus representative confirmed. During the transition period before I knew Marcus was taking over I charged {$100.00}. Several representative told me their policy was to get the customer 's banking information to issue a credit, but I refused since I was new to the company and Goldman Sachs ' reputation from the XXXX 's is bad. They said they would not reduce my payment amount, but agreed that they would issue a check. I spoke with representatives in XXXX and XXXX who said the request for the credit check was being processed. I mailed payment in full to their XXXX processing center by certified mail in XXXX, the post office delivered it to them, and they lost it. I finally paid by phone in XX/XX/XXXX to end all issues. They never sent the check and the representative I spoke with today said the check was canceled with no notice to me because their was a balance on the card ( but they never applied the credit as promised ). I am concerned that any account that transferred over to them from XXXX XXXX XXXXXXXX XXXX that had a credit was not given the appropriate benefit and customers including me have been deprived of credits so they could benefit at our expense. Also, the card was never hacked when it was with XXXX XXXX, but has been hacked three times in the lack few months since they took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc
State: PA

Complaint narrative:
Uplift.com financed a trip I took with XXXX XXXX XXXX in XX/XX/2022. 
I had issues onboard and tried to get XXXX to refund my cruise due to my issue. 
Notified Uplift about the issue -- nothing done See attached for more info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
On XX/XX/2022, I submitted a CFPB complaint about XXXX XXXX XXXX and Equifax inaccurately reporting 2 medical collections on my credit file, that I DO NOT OWE. On XX/XX/2022, XXXX XXXX XXXX responded to my complaint stating they will be requesting deletion from Equifax to remove the inaccurate collection account from my credit file. Attached is the confirmation of the deletion letter that XXXX XXXX XXXX provided. On XX/XX/2022, Equifax closed my complaint with the following response : " Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call 1-888-EQUIFAX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. '' I recently checked the status of my re-investigation request with Equifax and noticed that the reinvestigation was completed, and the accounts were allegedly ''VERIFIED '' and remain on my credit file. How can Equifax verify these alleged accounts, if the creditor has requested to remove these accounts? This is a major violation of my consumer protection rights to ensure a complete and accurate credit history. I was also denied a home loan due to the negligence of Equifax in reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation