vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-20 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: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX. 
Date of XXXX XX/XX/XXXX. 
Date of XXXX Account XX/XX/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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX. 
Date of Collection XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts XXXX, Inquiries XXXX, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX  XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!

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 2022-01-20 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: CA

Complaint narrative:
XX/XX/21 Sent a letter via certified mail to EQUIFAX and delivered on XX/XX/21. Tracking number Tracking ID : XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put XXXX of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My rights are protected under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
Received a debt collection letter from Advanced Recovery Systems on on XX/XX/2021 .I sent Advanced Recovery Systems a debt validation letter on XX/XX/2021 requesting for them to validate the debt because in the letter the sent me it said that I owed them {$100.00} on multiple accounts and I didnt know what accounts they were referring to. They never replied to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened A secured card in a branch therefore account was opened by representative in person. I was misled and getting false information and not disclosed all information. The product was not effective and not properly work when it should have so I chose to end my business with them but they will not help me in using the funds I gave them for the card to pay off the card and close it even after enduring unacceptable damages from them which they just ignore and Ive done nothing to address. They need to be audited by the IRS and government and all agencies as the way they treat customers its not legal, normal, or moral. I want out. I want to close my accounts, I want to be far away from this dark business and never be submitted to such corrupt and disturbing business practices ever again. I insist they complete what Ive been asking of them that they are refusing to respectfully do. They immediately need to transfer my money from my ( not theirs, it is my savings account not theirs ) savings account I gave them and payoff my secured card ( falsely advertised and misleading account ) and close both accounts after mailing me a check for the remaining amount left over. This should have been done without an issue. But more so it shouldve been done for the fact that this is based on a huge issue they created which caused XXXX and physical damages to me. I have spoken to several representatives which some have lied to me and told me it was being completed and others were rude to me and others were unwilling to explain or simply help me do the simple transactions and requests. Their policies answers and company values are greatly either lacking or out of whack. I feel like I have shackles on my feet I really have never experienced such an awful immoral business ever in my life. It is disturbing and scary reality.

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 2022-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( Florida XXXX ) has been working very closely with me. Wells Fargo Home Mortgage- apparently it does appear that Wells Fargo has vested interest ; possibility under an alias or affiliate ( s ) with XXXX. ( Wells Fargo has been fined for this practice already and it seems they are still " involved ''. ) I have provided XXXX XXXX proof of the PDF format that Wells Fargo knew the actual amount of XX/XX/XXXX 's home owners insurance long before they did. After several correspondences, because XXXX  had repetitiously informed me they DO NOT KNOW how much the Insurance would be for XXXX as it was " TOO SOON '' or " TOO EARLY ''. 

Once they acquired the copy of Wells Fargo Home Mortgage 's Escrow in ACTUAL ( not Projected but ACTUAL ) ... XXXX XXXX  response? XXXX.! Report! Report! Report! They do not even know because it's too early ( mine is due in XXXX ), they will know about near-end of XXXX what I would be billed for. 

When I told them that Wells Fargo Home Mortgage KNEW the amount LAST YEAR in XX/XX/XXXX before they paid my actual XXXX bill in XXXX. 

To quote and unquote what XXXX XXXX  Supervisor said " HOW THE XXXX WOULD THEY KNOW WHAT THE BILL WOULD BE MORE THAN A YEAR AHEAD WHEN WE DO NOT EVEN HAVE IT IN OUR SYSTEM. '' You can see the PDF Format of actual escrow from Wells Fargo- please note the MONTH AND YEAR... an image is shown so you can see exactly what to look for.. it's not a " projected '' either- they have it as ACTUAL! 

Both of us have been demanding ANSWERS... and BOTH of us are getting nowhere with this illegal activity!

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 2022-01-20 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: GA

Complaint narrative:
THIS IS NOT A DUPLICATE!!! 

I've contacted ExperianXXXX over 10 times and sent in many disputes and this public record have not been deleted even after giving them the proper paper work.The Reported Negative and Defaming information starting XX/XX/2020 on my credit report. I've sent in and debt validation letter and have not received a response with the requested all investigation.They only thing they said was we verified with XXXX. I've contacted XXXX XXXX regarding this matter and XXXX seemed to removed it off my report because it was unverifiable. Now experian/XXXX  have no right to furnish this information. I've sent in all letters receive from pacer, XXXX XXXX, and the courts. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

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 2022-01-20 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: PA

Complaint narrative:
I as a natural person ( consumer ) who is protected under federal law. Experian violated my rights under FCRA section ( 611 ) 15 U.S.C. 1681 ( 6 ) ( a ) ( iii ). Experian failed to respond for my request for method of verification FCRA, section 611 ( 6 ) and ( 7 ). This is a clear violation of my rights and I have also uploaded proof of the documentation.

I a natural person under 15 USC 1692 ( a ) have been abused, deceived, and there has been unfair " debt '' collection practices by Experian and this abusive practice has been hindering me from getting a job. Under 15 USC 1692 ( g ) ( 1 ) Experian has never sent I the consumer any communication of a written notice containing of the following 15 USC 1692 ( g ) ( 1 ) the amount of the suppose debt from XXXX, 1692 USC ( g ) ( 2 ) the name of the creditor to whom the debt is owed. Experian is not following the rules and regulation set forth by congress and it is unfair.

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 2022-01-20 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2021 {$1.00} XX/XX/2021 {$44.00} XX/XX/2021 {$22.00} XX/XX/2021 {$44.00} XX/XX/2021 {$9.00} XX/XX/2021 {$86.00} XX/XX/2021 {$86.00} XXXX deactivated my previous credit card with new one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Greetings, I am writing this complaint with regards to my Netspend account ( Acct. # XXXX ). I previously wrote to CFPB ( XX/XX/2021 ) and Netspend ( XX/XX/2021 ) ( see attachments ) regarding the closure of said account and have yet to receive a response. Netspend canceled my debit card and locked me out of online banking without sending me funds owed from my account. I am unable ( at this point ) to check banking statements and none have been delivered to me. 
I am requesting to review the last three months of my Netspend account statements XXXX XXXX XXXX ) and the return of all monies owed. 

Thank you, 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 2022-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient consistently tells me that I do not have forbearance options when I am trying to defer my loan payments due to being financially impacted during XXXX these past two years. They are charging me interst during this difficult. Their practices are unfair I want the money accruing taken off because I know that is what the government has arranged during this pandemic. I am an XXXX XXXX during XXXX. Their practices are shady and this honestly has been going on since before covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a trip to XXXX XXXX XXXX using my Chase Sapphire card part of the payment came from my points. On the day of travel upon arriving in XXXX I noticed that there was a mistake with my booking and it only showed 1 adult instead of 1 adult 2 children ages XXXX and XXXX, the Hotel would not check me in until I paid extra fee of XXXXdollars per night which was total of XXXX USD, On my reservation it showed that an extra child would only pay XXXX as they considered my daughter as an extra person on me and so I only had to pay for my son. 

Though it was clear that an extra child was only XXXX chase refused to refund me the difference XXXX USD. 

See attached letter writing to complain about their lack of obeying fine print. 

Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
There was a Collection Account Open on my Credit Record back on XX/XX/2021. I have contested this Collection Account because it is not mine and it's related to Identity Theft. We have contacted the Collection Company and or the Original Creditor ( XXXX XXXX XXXX XXXX ) to let them know about this Fraudulent Account, but they have been unwilling to remove it. I was advice by Experian to file this FTC Report so I can continue to dispute this Collection 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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
XXXX says we still owe {$50.00} from XXXX. 

In XXXX we rec 'd a collection notice from XXXX, stating if we paid {$32.00} of the XXXX they would resolve the account. I paid that amount on XX/XX/XXXX. 

This week ( XX/XX/XXXX ) we rec 'd a collection notice from Waypoint Resource Group saying that we still owe the XXXX from XXXX. The person I spoke to said she's talked with other customers who have a similar issue. I asked to appeal, saying I've already paid what was owed. She said that several XXXX account debts from XXXX have resurfaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation