vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX  and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants contacted me via mail stating they were attempting to collect a debt. I responded to Diversified Consultants by US Mail requesting debt validation of the alleged debt, including proof the debt belonged to me, proof of Diversified Consultants legal right to collect the debt, as well as an itemized statement of the alleged debt. Diversified Consultants responded with a form letter and a one page copy of a statement that does not include my name, my billing address, or any ability to determine that this statement belongs to me.

I responded to Diversified Consultants by mail again asking for proper validation of the debt. As of yet, Diversified consultants has not responded. On XX/XX/2019 I was made aware that Diversified Consultants had posted a collection to my consumer credit report without properly validating the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: FL

Complaint narrative:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: E-Backgroundchecks.com, Inc.
State: FL

Complaint narrative:
Hello,I called an employer and was told they use XXXX. I called XXXX  and had them walk me through on how to open an account. I noticed that they were a company that did verifications of employment in bulks. I advised the lady on the phone that I only needed one and she recommended their sister company Backgroundchecks.com BIG MISTAKE. I called Backgroundchecks.com and had them walk me through on how to create an account just like XXXX. Lady was really nice, walked me through and I noticed it cost a fee to create the account. I checked with my manager and she advised it would be okay so I proceeded. I ordered the VOE on XX/XX/XXXX. On XX/XX/XXXX, I sent the the borrowers authorization due to uploading the correct one, and it wanted me to create a whole new order rather than editing the one I had, so i reached out to XXXX and provided the corrected borrowers auth and advised I uploaded the wrong one. on XX/XX/XXXX I called BGC to confirm they received the borrowers auth I sent and the lady I spoke to advised they hadn't and to resend. On XX/XX/XXXX- I again sent the borrowers auth to a different email address that was provided to me (XXXX) XX/XX/XXXX- I receive an email asking for the borrowers authorization AGAIN. AGAIN I send it and call to confirm they received, I spoke to a woman who advised they did receive it and that they were going to pass it along to the verify-er On XX/XX/XXXX- I was advised that they sent it to the verify-er. XX/XX/XXXX- I fianlly called XXXX XXXX (the employment I was trying to verfy) and BEGGED them to put me on the phone with someone who could complete the verification of employment for me and that I ad been put through the ringer with BGC and that it had been a couple weeks and I needed this ASAP. They ended up completing it for me. TODAY my manager comes to me with two invoices from BGC, so I went to go to their website to see why we were charged TWO ADDITIONAL MORE TIMES and I was locked out of my account: "Either your current password has expired, or you have been assigned a temporary password. Please change your password to proceed." SO I called BGC and advised that I was locked out and that they had charged me twice and I wanted a refund, they advised that BGC do not provide refunds. Funny, they are quick to take your money and NOT TELL YOU, but cannot provide a refund. If you look at all the complaints, I do not understand how they are still in business but that is beside the point. This company needs to get shut down and stop scamming people for thir hard earned money. So now we were charged $XXXX for a VOE that was never completed or given to me and that I had to manually obtain myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I have a checking account with Alliant Credit Union. I issued a payment through their bill pay service on XX/XX/2019. The payment was sent via mail as a paper cheque and funds were immediately withdrawn from my account. The check was cashed by Alliant on XX/XX/2019. However the vendor claims to have never received or cashed the cheque. Investigation shows that the cashed cheque image has no banking stamps/information, nor was the cheque endorsed. 

I subsequently met with the vendor to pay in person ( so I ended up paying twice ). I asked Alliant to  credit my account for the fraudulently cashed cheque on XX/XX/2019. They refused. I asked Alliant to  investigate the fraudulently cashed cheque on XX/XX/2019. They refused to begin an investigation until I provided a notarized signed affidavit. I provided a notarized signed affidavit ( their form ) at my own expense on XX/XX/2019. 

On XX/XX/2019 Alliant contacted me demanding another signed notarized affidavit from the vendor claiming to not have received the initial cheque. Allliant provided no affidavit form this time. Simply demanding one to proceed. On XX/XX/2019 I spoke with an Alliant representative. Alliant refused to proceed without this affidavit. I can not force the vendor to provide this affidavit. I am not the vendor. I have no power over the vendor. Alliant understands that I have no way of forcing the vender to provide such an affidavit but refuses to proceed with any investigation or return the funds.

It appears to me that Alliant failed to perform due diligence when cashing an unendorsed stolen cheque. They will not return the fraudulently obtained funds. Nor will they investigate the matter further. I'm not sure what else to do to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: MI

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017  payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-14 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: MI

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and XXXX at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent etters into the three credit companies Transunion, XXXX and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.

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 2019-08-14 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: PA

Complaint narrative:
On XX/XX/XXXX I sent etters into the three credit companies XXXX, Equifax and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize this accounts, I don't have any agreements or contracts with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I made a purchase through XXXX from a seller from XXXX XXXX. It was for the amount of {$140.00} dollars. I was messaging with the seller back and forth and the seller stated that after receiving payment they would ship out item. Unfortunately that was not the case the seller never sent item I was scammed. I reached out to my bank Wells Fargo that same day. I tried to see what I can do to prevent the transaction from going through and they said that I had to wait for the transaction to post. Then I had to call them back the next day to file a claim so that they could investigate. So the next day I called filed the claim they said it would take 10 days to investigate. I kept calling days after to check the status on my claim and Finally on day 10 the claim specialist said the case was closed and they wouldn't be able to help me. I think that they should be able to help their customers when it comes to matters of this sort because I called that same day to try to stop the transaction there should be something that they can do to prevent the transaction from going forward. I should have been able to dispute the transaction that same day with no issue instead of waiting 10 days for nothing to be resolved. XXXX as well as Banks fail to let their customers know about how in situations like this they can not do anything about it until it happens. After the customers are left with no money. I would like to get some type of reimbursement or courtesy refund for my troubles.I am so angry I will NEVER send money through XXXX ever again. This is ridiculous that there is no way to prevent this stuff from occurring and that they have XXXX customer service and can't help out in situations with fraud or scams. There should be a better way for them to track that money and if there is fraud or scamming involved the customer should be able to suspend the transaction!!!!

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 2019-08-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a master card associated with my business account with Bank of America. I've been paying the minimum payment or more to keep my account in good standing. I decided in XX/XX/2019 to pay off this card due to high interest rate. For two statements following the full payment I noticed that the bank is still charging me a finance charge at even a higher rate on a XXXX balance account.

I contacted the Bank of American customer service to see why I'm being charged a finance charge on a XXXX  balance. They told me that they do so for the two months following the full payment. This didn't make any sense. I asked to speak to a supervisor and they declined to speak to me. They even charged me a cash finance charge when I never take out cash on any of my credit cards.

I believe the bank is over charging me and trying to make money on a XXXX balance. I would like this issue to be investigated and hope to resolve it with removing these charges from my account.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I have one collection from Jefferson Capital Systems for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is XXXX XXXX for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm buying a house and the mortgage company " XXXX XXXX XXXX  '' gave us the loan, this was in XX/XX/XXXX. Last year in XX/XX/XXXX I made my last payment to XXXX XXXX XXXX, they sold the loan to XXXX XXXX XXXX XXXX XXXX. I made my first payment to XXXX on XX/XX/XXXX and have done so to date. Equifax is showing that I have two Mortgages. I have disputed this three times so far this year with no results. I just received an email from Equifax saying the dispute has been completed. I can't access the website to confirm, just like the last two times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
i filed chapter XXXX bk XX/XX/XXXX and have a charged off discover card balance on my credit report as of XX/XX/XXXXprior to my bk XXXX filing i have sent XXXX  proof of bk XXXX filing numerous times and they and discover refuse to remove from credit report when XXXX  and XXXX  have removed the debt without question

Company response to consumer: Closed with explanation