vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: WV

Complaint narrative:
My monthly payment is due on the XXXX every month, I spoke with a representative and they stated the only +30 day late payment they saw was XX/XX/XXXX which I agreed with. I have noticed multiple 30+ day late postings that XXXX has reported to all three credit agencies including recently, XX/XX/XXXX which was in fact not over 30 days late. I have made an effort even with being affected by COVID-19 pandemic to pay my side-by-side financed through XXXX XXXX before being late every month. The customer service representative said I could dispute the negative late payments, which I did with TransUnion and it did not change anything. This is severely affecting my credit and ability to obtain a mortgage loan. 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 2021-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
synchrony bank has closed 6 out of the 7 account i have opened, yet then keep extending credit to me with excellent payment history, why would they close them. Their ramifications will destroy my credit, yes it is in their T & Cs but they lioterally closed all of my accounts with EXCELLENT PAYMENT HISTORY, and close all the accounts due to high risk is XXXX. Please reverse these changes. THE FCRA SHOULD BE IN SHAMBLES ABOUT THIS. CLOSING ALL OF MY ACCOUNTS DUE TO RISK YET EXTENDING CREDIT TO SOMEONE WHO IS A " RISK ''. I AM WANTING TO SUE SYNCHRONY FINANCIAL. They will get their money, but not their business. they have screwed my credit now with closing 6 out of 7 accts. my AAoA will plumet and my credit card utilization will skyrocket in debt, yet i make my monthly payments on time.

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 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OR

Complaint narrative:
On XX/XX/222021 we bought a Netspend card in XXXX XXXX, NV for the amount of {$500.00} because we didnt know we couldnt use cash to buy a plane ticket back home to Oregon. No banks were open at the time ( XXXX ) to find a sister bank to our credit union that we use. Card was immediately declined even though it said we could use it immediately but when i tried to use the app to activate it, i had to call and do an identity check which wouldnt be available until Monday we had our child to get back to that day so a family member helped us. Called Monday, we thought we forgot to grab the receipt in XXXX as it was a chaotic morning and were told we had to go back to XXXX to get the receipt even though i had verified my identity again to the person I was talking to. They closed our account and said they would send us a check with our {$500.00} no problem. And to wait 6-8 business days. We waited two weeks and still nothing. We called and they told us they sent it on the XXXX of XXXX but would send another. We finally found the receipt stuffed in our luggage bags and called again because as of now, XX/XX/XXXX, we still have not received anything and we have tried being patient despite struggling. So we called and they said they didnt know what we were talking about and said no check was ever sent or they have no record of it??? They didnt ask for proof of the receipt and still havent even though we have it now. We spent time being shuffled around talking to random departments just for them to say oh I cant help you with that and transferred again. Eventually one guy said that we have to wait for confirmation which doesnt make sense since they claim they already sent the check but now deny that. We even asked if since we have the receipt now if we could just use the card that we received in the mail and they said we couldnt since the account was closed in XXXX so why wasnt our check sent in XXXX when out account was closed??? They are just going to steal our money. This has caused us substantial hardship as we needed some of that money for other things not just tickets and its been nothing but a headache and Im XXXX XXXX from XXXX  as we are getting more and more behind on our bills. That was our hard earned money from working, NOT gambling. Netspend has not been helpful at all, they havent reached out to us on their own other than to verify identity in the very beginning.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX. My account was closed by Wells Fargo bank without my permission and I still have {$3900.00} inside the account. The bank does not allow me to take the money out because they claimed that " I am not the owner of the account. '' In fact, I am the owner and they did not allow me to prove my identity at all. All they said was " you can not get your money back. '' The bank said that I was the one stating on the phone while talking to the specialist that " the account is not mine '' even though I have never said that ; I have never even mentioned the account at all while on the line. There are definitely recordings of the phone-calls in their files to be checked if you want to further prove of what I stated above. I want to get my money back. My case number is XXXX ( Wells Fargo Bank ).

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 2021-08-19 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: Premium Credit Bureau
State: FL

Complaint narrative:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

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 2021-08-19 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: Uplift, Inc
State: FL

Complaint narrative:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: McKenzie Management LLC
State: NC

Complaint narrative:
On XXXX I had a withdrawl from my Apple Cash account in the amount of $ XXXX. At the time of this withdraw I already had a XXXX balance in my apple account, so I was then charged $ XXXX from my personal debit card since it was linked to my apple id. At the time of the transaction, I was well aware of what was going on and was authorizing it. The money was being subtracted from my personal checking account and being fed through Apple cash and going to the person I was doing business with. These funds were being sent to a business who managed 401k portfolios, however about an hour after the transaction took place, they went radio silent and I have not heard from them since. I was essentially scammed out of $ XXXX at this point and it was taken from my personal account, so I reached out to my bank and they were able to refund $ XXXX to my checking account directly. At this point my apple cash is now frozen at - $ XXXX due to the fact that the scammer got $ XXXX and apple is waiting for these now $ XXXX funds that were supposed to be paid by me to bring my balance back to XXXX. Now, on XXXX, I received money in the amount of {$630.00} from a close friend of mine to my apple cash account, ( which remember is still - $ XXXX ) but she sent it before I told her not to send it via apple cash. So now I cant use the money she sent me, and I cant send it back to her, nor will Apple reverse the transaction. Apple has refused to cancel or void anything, nor will they give a reason why. I now have had {$630.00} stolen from by Apple and they still believe they are correct and not in the wrong.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I received a letter from XXXX, informing me I was involved to a law suit with XXXX  XXXX XXXX. Due to their Fraudulent advertisement schemes and promises to Veterans all loans will dismissed. 
I contacted the university, then Mohella whos owns the university as well as the dept of education. And now one knows anything about it but Acknowledge the loan should 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 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is not my debt. I want the them to stop harassing me with the phone calls and stop running my credit for debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: CO

Complaint narrative:
I leased a leather couch from American freight and XXXX XXXX Colorado, it was sofa and a love seat on XX/XX/2021 in the amount of {$1300.00} so the delivery date was set 3days After and when they brought the couch it was all scratched out and dusty with finger prints all over it the delivery guy told me it was a used couch they dont have brand new couch in the ware house I found a lot of damages so I called the manager and she told me if I can deal with it before they receive a new merchandise and I told her I cant so I returned the couch on the XX/XX/2021 but as at now the store is still reporting late payments on my credit when I dont even have the items no more I understand there are store policies but since the items were returned I dont have to make no payments and I want it to be removed from my credit or deliver me a brand new couch with no damage I have pictures of the damage I want CFPB to investigate and help me thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Closed account with XXXX the end of XXXX bill paid in full, I dont owe XXXX. Never received a bill account closed before next billing cycle began. Its a scam, Idenity theft.. Received notice from collections today, I dont owe this bill I pay all my debts. Look at my credit I owe nothing.

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 2021-08-19 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: UPGRADE, INC.
State: NV

Complaint narrative:
hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
When I initially contacted ERC on the XXXX or XXXX of XXXX it was to negotiate a settlement for a debt owed to XXXX XXXX XXXX. I spoke with two agents ( XXXX XXXX and then XXXX XXXX ). XXXX was the supervisor because XXXX didnt want to my agreement amount. First, XXXX asked personal information about my job and income which I refused to provide. Second, he didnt follow my instructions on where to send the agreement letter. So I didnt receive it in a timely fashion. Luckily I was able to intercept the letter, but it was two days before the due date that HE set when I asked for it to be set to the XXXX. I then called back today on the XXXX to see if an extension could be filed or if the balance agreed of {$46.00} could be handled over the phone. They didnt accept my credit card type so nothing could be done. I asked the young lady ( XXXX XXXX ) if she could email a new letter with the settlement agreement of {$46.00}. The email doesnt even state that amount ; it has the original debt amount of {$92.00}. Im not trying to go back and forth when I called them to settle. Now sending the letter to the wrong address was underhanded and deceptive. I now have two days to get a payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/21 I sent a certified letter to a dispute letter to IQ Data International to verify a debt they claimed that I owed over 30 days have gone by and this company is in violation of FDCPA, section 809 ( b ). This company is attempting to get a {$1800.00} payment and have constantly called me even after I asked to be placed on the do not call list as well. I don't owe this harassing company a dime and I'd like them to obey the law and remove this negative report that they did not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I created a XXXX  complaint on XX/XX/21 for Transworld System Inc. I got a response on XX/XX/21 with a receipt. I rejected their response on XX/XX/21 because they can not provide the original contract with my signature to validate this is my account. They never responded. 

I filed a dispute with XXXX  & XXXX on XX/XX/21, the results came back XX/XX/21 saying that this account was validated. I still have not received the documents that I have requested numerous times ( original paperwork w/ my signature ). I paid for the debt before I knew my rights ( FCRA XXXX & before I knew this could be falsely reported on my credit report. 

I just want TSI to validate this is my account. If they can't provide the specific documents I am requesting, I want it removed from my credit report. This is illegal to report or collect on an account that they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: WA

Complaint narrative:
I applied for an apartment in XX/XX/2021. I noticed that there were multiple accounts that were not mine on my credit report and disputed them as identity theft. In addition, I filed an identity theft report. The accounts were removed from my credit reports by all bureaus. 

One account was a XXXX credit card. After removal, the account reappeared, and is now now being reported by XXXX XXXX XXXX. I disputed it with all three bureaus. While it was removed from two bureaus, they refuse to remove it from Experian. I have sent all documentation to both agencies, and have disputed to no end, but there has been no resolution. 

XXXX has acknowledged that it is fraudulent. Experian continues to report false fraudulent information about me.

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 2021-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

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 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: SD

Complaint narrative:
This is regarding the letter for debt collection that I have received from Convergent Outsourcing, Inc. with regards to the creditor XXXX XXXX. The provided client account number is {>= $1,000,000} and the convergent account number is XXXX. for {$76.00}. I would like to bring to your notice that I do not owe any debt and this attempt to collect is harassment by XXXX XXXX and Convergent Inc. I have neither received any service provided by XXXX XXXX. The order that was placed on the website was duly canceled due to poor customer care service and none of the products were delivered and no has been activated or used. A charge back has also been raised with XXXX XXXX at the same time and I won the case. This attempt by XXXX and Convergent equates to harassment for collecting debt not owed.

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 2021-08-19 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:
I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

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 2021-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter

Company response to consumer: Closed with non-monetary relief