vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: IL

Complaint narrative:
I received a bill from XXXX XXXX XXXX dated XX/XX/XXXX of 2021 about a collection notice. I contacted them via by phone call to settle the debt. I requested that they send me a verification letter in the mail to verify that this account is in fact mine. They refused to send me any kind of documentation besides the bill. I also requested a debt settlement letter on XX/XX/XXXX of 2021 have received no response from them. I asked for verification and I have yet to receive said letter in the mail. The collection agency continues to charge interest fees and reports it to the Credit Bureau. I have tried contacting them to settle the debt but they refuse to take any kind of payment via mail or by phone call. When I do contact them by phone, they belittle and use obscene language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened a minor 's savings account with Wells Fargo in XXXX for my daughter ( age XXXX at the time ). I was told the account was linked to my own account so that the account would not incur any monthly service fees. Wells Fargo inadvertently opened a savings account that was not linked to my account. 

In XX/XX/XXXX, my wife and I consolidated some accounts. After moving funds from my daughter 's account to my account, Wells Fargo began assessing a monthly service fee of {$10.00} for my daughter 's unused account. The combined value of my family 's Wells Fargo accounts was sufficient to not incur a monthly service charge, but because my daughter 's account was not linked to my wife 's or my account, ( i ) it didn't show up our dashboard when logging into the Wells Fargo website and ( ii XXXX her account was being treated as an adult 's account. My daughter is now XXXX, and we believe no fees should have been assessed. 

If the account had shown up in our ( parents ' ) dashboard when logging in, we would have addressed this. However, because it was separate, it wouldn't render. Since XXXX, we have paid $ XXXX/mo or {$480.00} total for an account that went unused. Wells Fargo has credited {$30.00} as a courtesy but I requested the entire amount lost be credited because Wells Fargo hadn't properly linked the accounts as they had said when they opened my daughter 's account in 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 monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: OR

Complaint narrative:
In XX/XX/2020 I closed on a VA loan. Near as I can tell, the Escrow and Title company was ServiceLink Title Company of XXXX, LLC. 

This company now appears to be defunct? 

The problem began when ServiceLink Title Company of XXXX, LLC failed to do due diligence regarding the delinquent taxes that were owed on the property prior to closing.

It seems to me that there would be a conflict of interest having the Escrow and Title Company being one in the same?

This mistake should have been covered by errors and omissions insurance which the Title Company is required to have.

As such, there were delinquent taxes due on the property at the time of closing in the amount of {$1500.00}.

These delinquent taxes snowballed and with late fees and assessments, the amount owed kept growing.

I have spoken and corresponded with the parent company of the now defunct ServiceLink Title Company of XXXX, LLC. 

Although they seemed to be helpful initially, they will not respond anymore to my repeated emails. I have kept a record of all correspondence. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
We continue to get telephone calls to our home number from PROFESSIONAL CREDIT SERVICE at XXXX. We have perfect credit and do not owe anyone, We hang up as this is so annoying! We are elderly and someone is trying to take advantage of us and our age and financial status.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: IL

Complaint narrative:
My Servicer sent inaccurate information about my loan to the credit agencies. The Biden Administration extended the pause on student loan payments through XX/XX/2022. This means that no payments are being processed. I am also still in school and have deferment as well until I graduate. I am also being approved every semester for loans without any credit issues yet my Servicer reported that they decreased my credit limit to the credit agencies for NO REASON. Attached is what the credit agencies are currently showing me what my Servicer Osla, falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NJ

Complaint narrative:
I went over my credit report and noticed a account and a few inquiries that I do not recognize

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 2021-08-07 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to XXXX XXXX and I was hit with a 30 day late payment 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 2021-08-07 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: NJ

Complaint narrative:
I went over my credit report and noticed a account and a few inquiries that I do not recognize

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 2021-08-07 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: NJ

Complaint narrative:
I went over my credit report and noticed a account and a few inquiries that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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:
Experian did something illegal by removing And re adding a account called XXXX XXXX  XXXX. They was very rude when spoken with on the phone multiple times and acknowledged that they removed it but it was readded!! They re added that deleted account less then two days after removing and by doing that went against FCRA section 611! This dropped my score 21 point when they did this. Their negligence must be stopped! This account must be deleted 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 explanation
Consumer complaint received 2021-08-07 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: IL

Complaint narrative:
I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet. 

Original sent XX/XX/21 Sending second validation request XX/XX/21

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 2021-08-07 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: IL

Complaint narrative:
I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet.

Original sent XX/XX/21 Sending second validation request XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???

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 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I got scammed out of {$490.00} on cash app. I tried talking to cash app and they wont give me back my money. I went through my back and they wont help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: MD

Complaint narrative:
Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and depression. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Graduated and walked with graduating class at graduation and then received a letter a week later informing me of a mistake! Stating the school had me pay for and take a class unnecessarily taken to graduate! That I also still needed one other class to graduate and receive the degree I was told I had already completed requirements mandatory to complete! Was unable to return until the following semester to complete needed class and by that time I was informed I need 3x the amount I had previously needed! Never received degree and all the money and time that I spent my time putting into obtaining it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: IL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Transunion asking for what method they used to retrieve information pertaining to a bankruptcy on my credit report. I told them I wasn't disputing it but just wanted the method they used to verify such information. On XX/XX/XXXX they only sent me a copy of report and not the information that I was asking for. On XX/XX/XXXX I followed up with them to see who they verified the bankruptcy through. I went to the court house and they gave me a letter stating that they dont provide any information to the credit Bureaus. On XX/XX/XXXX they sent a response with dispute results stating verified, but still never sent what I was originally asking for. I wanted to know who they verified the bankruptcy through. On XX/XX/XXXX I responded stating that their process could not be valid because they did not verify the information and identify how they got their information. Transunion never sent me any proof of an actual investigation and that I could report them if the bankruptcy is not deleted off of my report immediately. I also sent them a copy of the letter I received from the court stating that they dont communicate with credit bureaus. On XX/XX/XXXX Transunion responded saying that they completed a previous investigation and will not do anything else without new information. On XX/XX/XXXX I sent the letter from the court house again and told them their process was not valid and that they never sent me proof of an actual investigation. On XX/XX/XXXX Transunion responded again with the same letter saying that they previously completed an investigation and without new information they will not change anything. I sent information from the court house and they failed to complete a thorough investigation and provide me with the information I was asking for.

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 2021-08-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a promotional offer for XXXX bonus miles if I spent {$4000.00} in 3 months, I'm pretty sure it was a direct mailing but am not 100 % sure as it was a while ago. I signed up for the card in XX/XX/XXXX. I spent more than the {$4000.00} and waited several months before contacting them as I still had not received the bonus miles. The customer support person said I didn't qualify because I had a similar card in XX/XX/XXXX and therefore didn't meet the requirements for the bonus. So, one, why did I receive the offer. Two why did it allow me to sign up for the offer online if I didn't qualify. The card comes with an annual fee plus I would have signed up for a different offer and used my money elsewhere. The customer service person was completely understanding and said it's a common complaint. So they know it's an issue but do nothing about it because they get people to sign up for the annual fee and profit from it. This is yet another bank profiting from a broken system.

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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I received an email from Unifin Inc. about a XXXX XXXX debt ( attached Unifin XXXX ). I have never had a XXXX XXXX account. I called Unifin and verified ( via providing personal information ) that they have the wrong person. I requested they not contact me about this further, since this is not my debt. The person on the phone said they would remove me from contact. 

On XX/XX/2021 I received a 'Second Notice ' from Unifin about this same debt ( attached Unifin 2.eml ). I sent a reply ( attached Re Unifin XXXX ) to the email address listed at the bottom of their email : XXXX I received no response. 

On XX/XX/2021 I received another 'Second Notice ' email from Unifin ( attached Unifin XXXX ). 

I have tried to stop this harassment by contacting them via phone and via email but they refuse to stop harassing me about a debt they know is not mine. I believe they are simply trying to make me pay another person 's debt via annoying emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXXXXXX  ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???

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 2021-08-07 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: NJ

Complaint narrative:
I noticed an account and a few inquiries on my report I do not recognize

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I can't refinance my house due to incorrect information in my credit report ( bankruptcy ) Experian

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