vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 Convergent Outsourcing, Inc. sent a collection letter to me for a debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Radius Global Solutions contacted me regarding debt collection and on XXXX XXXX, their written communication was responded to Im writing in which it was made clear that I am a victim of identity theft and needed further information from them but they were also informed to cease and desist. Following my complaint, I have recorded continuous contact being made by this company despite my request. On XXXX XXXX I mailed the company another letter informing them of my rights as a consumer and requesting that the stop contacting me everyday except to provide my requested documents by mail. Today at XXXX the company contacted me by phone again violating my rights as a consumer. The calls are a complete disregard for the rights allotted to me as a consumer and are harassing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: U.S. BANCORP
State: CA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. US BANK XXXX Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX FCRA violatons remove the address so mail with my personal information will not get in the wrongs hands remove employer : XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX A {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX  Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % remove unauthorized inquires please correct the address : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
I sent a dispute of incorrect information to creditor to please provide me proof that the discrepancies on my credit report were actually from usage of me and my personal credits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CO

Complaint narrative:
This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CO

Complaint narrative:
This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a credit card in my previous name which I haven't used for 25 years. I was concerned about my privacy and tried to call the company at XXXX but I was unable to get past the recordings to speak to a representative. It is a visa debit card through US Bank ReliaCard

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
On XXXX the XXXX of XXXX I contacted my lender Lakeview Loan Company regarding my escrow overpayment. I was informed that the escrow team had not started on my overpayment and it probably wouldnt happen till the beginning of the new year. I enquired as to why this would take them so long to process my escrow return. The agent informed me that the company would also be preforming the escrow reevaluation at that time. I stated I understand and I would wait time after the start of the new year. On XXXX the XXXX XXXX, I received a letter from LAKEVIEW Loan company stating that I should have a check cut and sent out within the next 20 business days. Due to holidays and weekends I waited till XX/XX/XXXX, to contact LAKEVIEW Loan company regarding my overpayment check and the fact my escrow amount was evaluated as increasing. I questioned why the check had not been cut as of yet and was told the check definitely should have been cut. The LAKEVIEW Loan agent stated that they would put in the order to cut the check and it should take 48 hours. I then addressed the fact my escrow amount increased even though I do not pay property tax under the states homesteading laws. The agent stated that they would put in a request to do a reevaluation of my escrow. I stated that would be fine. It is now XXXX the XXXX XXXX, i emailed LAKEVIEW Loan company that they still have not cut my escrow repayment check or reevaluated my escrow payments. I informed LAKEVIEW Loan company that they had 48 hours to rectify these issues or I would contact the CFPB regarding the violation of XXXX. It is now XX/XX/XXXX, and I still have not heard from LAKEVIEW Loan company regarding my escrow repayment. During these uncertain times the money that I have overpaid my Loan company could really be used to help my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo is applying our excess payments to the next month 's mortgage payment instead of paying down principle. This practice ensures they receive the interest and escrow payments, and shorts my attempt to pay the mortgage off early. 

I've contacted them repeatedly by email and phone, to request all additional funds to be applied to my outstanding principle. Looking at our account history online, it is very difficult to determine how funds were applied following Wells Fargo 's numerous corrections. 

I do not have a record of all communications, but my last interaction was messaging via the Wells Fargo website on XX/XX/2020. I was assured the problems were permanently corrected. However, looking at the transaction history for my XX/XX/2020 payment, there are three entries, this is how the funds were applied ... again : Amount Submitted : {$4400.00} Actual Monthly Mortgage Pmt : XXXX Amount to be applied to outstanding principle : XXXX Actual distribution : Principle ( XX/XX/XXXX ) : {$1000.00} Interest ( XX/XX/XXXX : XXXX Escrow ( XX/XX/XXXX ). XXXX Principle ( XX/XX/XXXX ) : XXXX Interest ( XX/XX/XXXX ) : XXXX Escrow ( XX/XX/XXXX ) : XXXX Outstanding principle : XXXX Expected Principle Reduction : {$3200.00} Actual Principle Reduction : XXXX Difference : XXXX We prioritize paying off our greatest debt early in order to free up that money for retirement, and we have been diligent in doing so. Wells Fargo 's misapplication of the funds ensures their revenue stream at our expense. Effectively they are penalizing us for early repayment. 

I will submit a copy of my most recent communication if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX XXXX XXXX XXXX Account charged off. {$180.00} written off. {$1600.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record XXXX XXXX XXXX Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record remove the FCRA violations b/c of the civil violations ( XXXX ) XXXX wrong number XXXX ) XXXX wrong number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
on XXXX I sent a letter about items that were falsely put on my credit report for them to be taken off it is now XX/XX/XXXX I do know that due to covid response times may take longer than usual. I still feel like I am being taken advantage of and ignored, I have been patient and demand the negative items be deleted at once or I will seek litigation. my Information was also damaged due to the XXXX data breach. I hope someone can please hep me and get this false information removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I placed a direct dispute with wakefield on XX/XX/2020 they have failed to update with XXXX the status of the dispute and they failed to respond in a timely manner plus they failed to provide proof of this alleged debt as mine by providing proof with a wet signature or any instrument bearing my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TX

Complaint narrative:
See attached information I received today from XXXX XXXX XXXX XXXX. IT IS NOT what I have been requesting. I have been requesting the VALID PERMISSIBLE PERMISSION from 4 years ago that was used to purchase a car fraudulently in my name. It doesnt exist but I have been requesting it to prove to XXXX XXXX XXXX XXXX that the purchase was fraud and theft. XXXX XXXX XXXX XXXX UNLAWFULLY accessed my credit so a thief could purchase a car in my name. XXXX XXXX XXXX XXXX knows the permissible permission does not exist and will continue deleting this complaint by labeling the complaints as duplicate. 
THEREFORE and according to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. In order to help resolve the consumers dispute, the Credit Reporting Agency is required to review all relevant documents submitted by the CONSUMER ( which is me ) and will forward such documents to the furnisher IF THE CREDIT REPORTING AGENCY is unable to resolve the issue based on those documents. I am requesting and demanding Transunion and XXXX XXXXo review the ATTACHED application that XXXX XXXX XXXX XXXX claims is the reason they had permissible permission. The attached application clearly proves XXXX XXXX XXXX XXXX unlawfully accessed my credit report. NOTICE IT IS UNDATED AND INCOMPLETE AND SHOULD HAVE NEVER BEEN PROCESSED AS REFERENCED AT THE TOP OF THE APPLICATION. I AM DEMANDING TRANSUNION AND XXXX NOT SEND ANYMORE WORTHLESS FORM REPLIES THAT SHOVE THIS MATTER TO THE SIDE and to review the document for completeness and accuracy which didnt allow my personal information to be accessed. Surely after 4 years Transunion and XXXX  would have already investigated by receiving the attached application used as the permissible permission from XXXX XXXX XXXX XXXX. In addition, I have attached Transunions NOTARIZED Identity Theft Victim Affidavit. What further proof is required?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have had a credit freeze on my Experian Account for years. I have had temporary lifts to allow my credit to be run for various things, car loans etc. Now Experian 's website portal to temporarily lift the freeze does not work, Experian contact number never puts you in touch with a live person and the online chat goes for hours and no one ever gets on to help. Based on the other online complaints I see others experience the same issue. By " breaking '' the portal Experian is fraudulently pushing their paid service, I would hope for the protection of the American public you help Experian see the necessity to provide a fully working web portal and actual customer service. 

XXXX Experian Freeze Lift Transaction # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is against XXXX XXXX XXXX and Trans Union Credit bureau. Although I made payments on time by using XXXX  XXXX XXXX XXXX payment system, XXXX XXXX XXXX claim that they didn't receive payment on time due to post office delays because of covid-19. I called XXXX customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX XXXX also talked with XXXX XXXX but XXXX didn't correct the credit report. I am disappointed that XXXX will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to Trans Union Credit Bureau but they have not corrected the 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 2021-02-08 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: Skrill USA, Inc.
State: TX

Complaint narrative:
on XXXX we formally with a fax provided by the company, and acknowledge by them.they continued to take money from my account amounting to over {$5000.00} .They were granting a refund, but at the end refused to return the money. tried on several ocassions to reach a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
{$5900.00} USD was paid to me in my Paypal account. Paypal indicated to me that money would be avaialble to me in 48 hours. The 48 hours has expired and they refuse to release the money to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.

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