vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: KY

Complaint narrative:
There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?

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 2021-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
These inquiries don't belong to me. Please remove 1. Identity Theft 1 XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-11 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: NJ

Complaint narrative:
This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-06-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander has been violating my rights by taking individual action multiple times after I have complaint many times of it and was ignored. this situation is causing my life to become XXXX due to all the XXXX  and lies they have pushed on me and my families life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft AMEX Account Number : -XXXX**** This is not mine.

3. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
I received an alert on my phone questioning a transaction. I called customer service at NetSpend and stated I did not authorize the charges. 
This triggered and instant response of the card being marked lost/stolen and shut off the card. Suddenly I had no card to pay my current bills and the funds were trapped in that account. 
After about 6 hours of unsuccessful calls to customer service there was no solution to paying my car loan and insurance on time. 

Then to add insult to injury even though the card had been blocked at around XXXX on the XX/XX/XXXX they posted additional charges to my account through that blocked card at XXXX XXXX  that night. 
All the activity discussed exists on my Netspend account on XX/XX/XXXX through XXXX 2021, the account alerts show other attempts also that failed to get through.

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 2021-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
In XX/XX/XXXX my heloc loan was changed to a 10 year note with payments jumped from {$450.00} to {$1200.00}. I was proactive in contacting US Bank to get this note refinanced as a 20-year second mortgage which the US Bank Rep told me to apply for a loan modification. 

I received the loan modification document packet in XX/XX/XXXX ; upon reviewing the docs it puts us right back where we started over 12 months earlier, a 10 year loan with {$1100.00} payments. 

So a US Bank Representative directed me to re-apply for a new loan modification. And on XX/XX/XXXX I received a letter saying 'Im qualified ', for a loan modification with no terms and Ive made the required 3 trail payments of {$1000.00} a month, and now its XX/XX/XXXX and still have Not received my loan documents. 

I've never spoken to anyone as to the terms of the loan modification over the last 28+ months, it was my understanding the loan modification program was to help lower my payments! 

Well with minimal to any correspondence with emails or phone calls, XXXX XXXX, not Supervisor Mr. XXXX XXXX nor anyone working on the Loan Modification has discussed any terms of when or how the HELOC loan would be modified! 

I originally requested to have the HELOC loan be modified or turned into a second mortgage as a 20-year Term Loan. This was due to the monthly payment was and is still Not within our ability to pay {$1200.00}, {$1100.00} nor the {$1000.00} a month on a 10-year loan! 

The terms are Not the requested 20-year Term to lower the payments ; But still set as a 10-year Mortgage with a {$1000.00} a month new payment ; my current loan is HELOC Not a Second Mortgage. 

US Bank has wreaked my credit rating which has caused all my lines of credit interest rates to skyrocket, plus the undo stress on my wife and myself which both of us have health issues, Im 100 % XXXX, that have been aggravated by this stressful time in our lives. 

As stated above, Ive emailed XXXX XXXX and XXXX XXXX on multiple times with no response, this has caused great concern that the help US Bank has offered is Not Serious with Truly helping their clients!

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 2021-06-11 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: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 30 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased 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 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Madam/sir, I hope this email finds you well. 

I would like to report a case of monetary loss in foreign exchange and remittance services. 
For foreign exchange and remittance services between XXXX XXXX and XXXX, I have transferred a sum of money ( HKD XXXX ) to Western Union 's designated bank account in XXXX XXXX from my XXXX XXXX local bank account on XX/XX/2021. 

The expected service was Western Union would remit the equivalent of HKD XXXX in THB to my designated bank account in XXXX as a form of moving money across borders within my family. 
However, Western Union, till this point, denies the receipt of any funds from me or my account. 

The following files are provided for your kind reference : 1. Communications on email between Western Union and myself, starting from account creation all the way to multiple communications about the transfer that Western Union does not admit in receiving 2. Confirmation from XXXX, my bank, regarding the transfer I have made to Western Union 's bank account 3. The original transfer receipt, as saved from XXXX online banking I ask for my funds to be fully returned to my XXXX XXXX bank account as soon as possible, but Western Union has not responded to my request. 
Please kindly provide assistance in filing this claim and complaint. 
Please let me know if you require any other information or evidence. 

Many thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 30 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: WI

Complaint narrative:
We thought we bought a home that was fully renovated and was not, seller lied about home improvements, fraudulently spoofed home to gain profit from sell home was appraised at. Appraiser lied to push sale through, Broker failed to get documents supporting home improvements and seller failed to disclose condition of property, Had our home inspection done after sale only because of electrical wiring issues and we were told that this home has asbestos, electrical issues things the seller said they on improvements were not replaced but is 20 to 25 years old, gutters never replaced they are the original gutters, water heater pipes, fireplace issues, foundation damage, see attachments regarding all issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 
Provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ). 
Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, 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 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK
State: VI

Complaint narrative:
I had no account with the company that the scammers gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
In XXXX of XXXX I ordered a table from XXXX XXXX XXXX. To receive free shipping and a discount I was offered to open a XXXX XXXX Visa card, sponsored by Comenity Bank. The table was to be delivered in early XXXX. It was postponed 7 times and in XXXX without the table I was charged on the account. I sent in a {$1000.00} payment, leaving a balance of {$1600.00}. The table continued to be delayed and in XXXX the item arrived in the wrong color. After several of months and dealing with a Ms. XXXX XXXX from Corporate Intervention the table was not available. I asked for my money to be returned. Miss XXXX credited the account on XX/XX/XXXX for {$990.00} which included service charges from the bank that the company uses Comenity Bank. I have called the bank several times and requested closing the account and a return of my credit balance. The first week of XXXX  I was told they would mail me a check. Two weeks later I checked and they said they would deposit to my checking account and asked for the routing and account number. That deposit was never made. Ten days ago I called again and they said a check was cut because my account number was wrong. They have had my money since XXXX and this bank is giving me the run around as did XXXX XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: DC

Complaint narrative:
XXXX XXXX XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud investigator of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my XXXX XXXX XXXX XXXX XXXX experian equifax and transunion. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and gay people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS DISabled persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.

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