vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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:
TransUnion has been contacted by me several times by certified mail in regards to their continued illegal reporting of inaccurate information and accounts. TransUnion continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. TranUnion has untruthfully stated that they can not grant my request because it was " illegible '' when in fact they have recieved several " Typed '' corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. TransUnion continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified as accurate and most do not exist. TransUnion continues to seek information from a third party vendor " XXXX '' and report information from this vendor as " acurate '' when in fact this third party vendor has also been asked to " cease and desist '' in sharing unathorized inacurate information about me. Both TransUnion and XXXX are illegally collecting and providing information that was not authrized by me and I am now due remedy for each violation in accordance with debt reporting law.

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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
on XX/XX/2021, i sent a letter to Security credit Services , LLC about a alleged debt of {$28.00} that i don't owe and its damaging my credit. I haven't had any dealing with XXXX XXXX XXXX and requesting information about the debt and has attach a copy of the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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:
XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point.

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 2021-02-25 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: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
On XX/XX/2019, XXXX XXXX via TD AUTO FINANCE add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Observed on my credit report a company that is trying to collect a debt from me that I did not sign any kind of contract with, and have never received any kind of notification from them and also says the debt was charged off/sold to another company. This collection on my credit report is keeping my score low and is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo services my mortgage. They purchased the loan from Bank of the Internet, the mortgage lender who originally made the loan. 
I had no choice in where my loan was sold. 

I asked Wells Fargo on XX/XX/XXXX to remove escrows from my account. 
I have the financial means to pay any insurance premium and real estate tax myself. 
I do not want Wells Fargo to earn interest on my money when I could be earning interest. 

The original loan to value was 80 %. The current loan to value is 70 %. 

Wells Fargo has refused to remove escrows from my mortgage payment. 

They claim I was " late '' on a payment and I had to wait 12 months before they would remove escrows. 

The late payment was in XX/XX/XXXX, almost two years ago, and this was simply due to a clerical error. 

This is inexcusable and Wells Fargo is extorting me, so they can continue to earn interest on escrow accounts. 

Can you please help me and tell Wells Fargo to remove escrows from my account? 

Thank you

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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: IL

Complaint narrative:
I received a notification from XXXX XXXX XXXX that I have an Eviction mark on my XXXX Consumer Disclosure report. XXXX XXXX, a residential property, accessed my report following a rental application for an apartment I applied to on XX/XX/XXXX. My application was denied due to this false statement of Eviction. 

On XX/XX/XXXX my Attorney XXXX XXXX XXXX ( XXXX ) represented my case of XXXX XXXX XXXX XXXX, XXXX. The judge presiding over the case dismissed the Eviction penalty due to my economic hardship status ( due to XXXX XXXX, XXXX refusal to acknowledge XXXX County rental hardship program ), and therefore I was unable to pay the {$1700.00} balance owed. 

I was demanded by XXXX XXXX, XXXX to vacate the property at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX in XXXX, XXXX. I obliged and I was no longer subject to eviction status. 

Yes, I see two separate records in the amount of {$1700.00} as an outstanding balance from XXXX XXXX, XXXX. 

I would like this formal complaint to be investigated so that this mark on my consumer report can be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Good Day On XX/XX/XXXX I took a payday loan with NetCredit for {$9900.00} which I only received {$8500.00} due to fees. I specifically asked about how the interest was applied and why it was so high and I was told that high rate of interest would only apply if the loan payments was late, missed or default. I have made 45 payment of {$240.00} in the amount of ( {$10000.00} ) which is my principle and some interest paid but NetCredit is now telling me the interest started from day 1 and expects me to continue payments until XXXX with the total amount of {$32000.00} which surely violates the laws of interest applied as a payday lender in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Santander Consumer USA has reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as late which in correct. I have attempted multiple times to rectify this with Santander and they refuse to look into my complaints. Instead they have told me it is " not their problem '' and to " take it up with the credit bureau ''. They have done this multiple times and I have seen there are multiple other customers of theirs that they have reported incorrect payment information on. My only other option is to pay someone to report to the bureaus for me because I do not have the time or capacity to do so. It is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: GA

Complaint narrative:
XXXX is reporting the following accounts inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXXXXXX 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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MJ Altman Companies, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i check my credit report and notice a collection from MJ ALTMAN COMPANIES , INC about a debt that is not mine. I have never owed XXXX XXXX anything and if not removed from my credit report i will consult a attorney.i attached a copy below of the letter to them.

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 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
THE COMPANY, COLLECTION AGENCY, NAME FBCS, INC., CONSUMER CONTACTS SOLUTION XXXX IS CALLING ME EVERY DAY, TRYING TO GET PAY FOR THE SECODN TIME OF THE SAME DEBTH THAT I WAS ALREADY PAY XXXX BUT BECAUSE I DIDNT HAVE THOSE RECORDS BECAUSE I RIDDED OF THEM BECAUSE TOO OLD, I KEEP RECORDS FOR TWO YEARS, I DECIDED TO PAY THE ARRAMGEMENT THEY GAVE ME OF XXXX THE TOTAL DEBT WAS XXXXI MADE THIS PAYMENT TO THEM ON XX/XX/XXXX OF XXXX THIS IS THE CONFIRMATION NUMBER OF THIS PAYMENT XXXX, AND THEY TOLD ME TODAY THAT THEY GON NA SEND ME A LETTER SAYING THAT I DISPUTE THIS DEBT. 
PLEASE HELP ME WITH THIS MATTER THANKS LIKE I REPORT THE FIRST TIME IM A XXXX ALL MY HSPITAL BLLS ALREADY PAY OFF AND COLLECTION AGENCIES ARE CALL ME AGAIN TO TRY TO MAKE ME PAY THE SAME BILLS AGAIN BECAUSE I DONT HAVE PROVETHAT I PAY THEM, FOR THE REASON THERE OLD DEBTHS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CO

Complaint narrative:
I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of 4 separate data breaches my personal information was held liable in, I still dont get the respect I deserve

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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Company trying to collect a debt for which I have no contract with and have made no attempt to contact me regarding it. This debt collection is on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: MN

Complaint narrative:
I closed an investment account on XX/XX/2021. There was {$3100.00} in the account at the time of closure. As of today, XX/XX/2021, this money has still not been transferred to my bank account. I have asked the bank about it twice, and both times they have said they are working on an ACH transfer, but there is no reason I can think of why that would take more than a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted Equifax directly, sent the FTC and they are still failing to do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank is and XXXX XXXX lender. It discriminates against small, minority, older and other disadvantaged ( SMOD ) borrowers by applying a specific business account requirement to apply for a XXXX loan which many SMOD borrowers do not use based on higher fees, monthly service charges, etc designed to screen out otherwise eligible SMOD borrowers from participation in favor of larger more profitable other customers or extract extra business account fees the SMOD borrower would otherwise not have at a time of distress. Surely many SMOD operators use less expensive accounts rather than a high fee business fee account. 

This requirement is likely not part of the CARES Act or XXXX, but is an extra discriminatory hurdle PNC adds. And in any event a bank knows particularly SMOD operators select lower cost vendor whenever possible. The pandemic enhances this pressure and need. 

This requirement continues and fees seem to be excessive and unnecessary to the disadvantage of SMOD borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The LATE PAYMENTS reporting by this company is inaccurate and lack any certificated proof by physical evidence to include, account audits, balances, dates, and any other data formatted reporting standards. Under the FCRA and FDCPA and my state laws these inaccurate LATE PAYMENTS reporting have not been lawfully validated with verifiable physical proof therefore are not in compliance with federal laws. I demand any and all LATE PAYMENTS reporting on the following accounts be immediately updated to PAYS/PAID AS AGREED, NEVER LATE! Account # : XXXX and Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
To whom it may concern back in XXXX XXXX XXXX I applied for a self lender credit card I linked my bank account to the credit card so I may make payments though I am making payments I never received the card yet they are still charging me for the card I made a late payment in it affecting my credit score by XXXX points Ive contacted self on several occasions but I still have not received a new card although I explain to them the situation. This is very concerning to me because I made multiple attempts to solve this issue I told them that I never received the first card they said they would send another one and I still never received that one yet they still are taking payments from me and if I dont make the payments its going to negatively affect my credit score.How can I make a late payment for something that I never received why am I even being penalized for a late payment for a product I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
I am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them 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 2021-02-25 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 am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
A car loan was opened with Credit Acceptance on or about XX/XX/2013 without my authorization. I have sense sent CA a certified letter with my police report and a letter advising them I am victim of identity fraud and requested they block their information my credit report. In turn they referred me to the law office XXXX, XXXX XXXX XXXX - GA XXXX XXXX. XXXX XXXX XXXX, GA XXXX, to complete a fraud package which included my signature 5 times, my identification and the police report. As of today, I have spoken to several people in the legal department at Credit Acceptance, all of which are advising me, they will not block their companies information until they investigate and that process takes up to 60-90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX To whom this may concern, On XX/XX/XXXX I received a phone call regarding a vacation package. This was not out of the ordinary as I have done many in the past. So, I proceeded and purchased 2 packages, totaling the amount of {$1900.00}. 

The packages must be used within 2 years. Over the phone they told me blackout dates and provide a number to call to make the reservation. I was also told I would receive information in the mail regarding the packages. The only information I ever received was that one sole phone call. 

I finalized travel time with my family and tried to call the number provided. At the time the number rang multiple times then to a busy signal. I tried to call multiple times this day and a few more during the week without any success. 

My next step was to contact Citi Card Service. At this time, I was told by Citi Card that I had to wait the 2 years for the vacation company to honor the vacation packages. 

I then waited the 2years and revisited to charge with Citi Card Services. At this time, I was told by Citi Card that they could not reverse the charges due to it being too long to process. 


Citi Card Services, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, SD, XXXX. Contact number XXXX or XXXX. 
Card Name ( at the time of the charges XXXX XXXX XXXX credit card ending XXXX. 
Credit Card Charges $ XXXX from XXXX XXXXXXXX XXXX. 





Warm Regards, 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