vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: MD

Complaint narrative:
I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$200000.00} XXXXXXXX XXXX Balance : {$180.00} XXXX FCU XXXX Balance : {$860.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX XXXX XXXXred on XX/XX/XXXX XXXX  NA Inquired on XX/XX/XXXX 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SHELLPOINT MORTGAGE - XXXX This account was NEVER late. A modification agreement was executed and finalized in XX/XX/2021. Agreement paperwork was provided from Shellpoint mortgage which is attached. My payments were made " As Agreed ''. The late payments reported in 2021 need to be removed as per our final agreement. This is preventing me from getting the credit I deserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
I have been trying to get my reverse mortgage settled with Novad for over 3 months and they do not answer phone calls or emails. I did receive an email from XXXX 7 weeks ago stating that if I had some questions he would help. Since then I have sent him 25 emails and he still hasn't responded. Two other people with Novad are on the email chain and their respond is no better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This account was originally from XXXX BANK XXXX COM STORE. It was 90 days late in 2016 and later sold to the collection agency LVNV FUNDING LLC. I have disputed the account due to LVNV FUNDING LLC posting the wrong dates for the account and past amount due. I have also disputed the statute of limitations for this debt. 
LVNV FUNDING LLC Has taken steps with all three credit bureaus to show the debt is currently valid. I have submitted the original invoice to all three credit bureaus showing when the account was 90 days past due. LVNV FUNDING LLC Refuses to remove the account from my credit reports and has caused a significant impact to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$3500.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$200000.00} XXXX XXXX  CARD XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX CO Inquired on XX/XX/XXXX XXXX XXXX AND XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
So there is 3 accounts that are sitting on my credit report in collections for more than 7 years. one if from pro collect with a balance of {$4400.00} the other are from XXXX XXXX XXXX  of a balance {$1900.00} and {$550.00}. I tried disputing these collections and they keep telling me that they are accurate. bur see not all credit bereaus are reporting these accounts. the procollect is not my debt. For the pro collect all 3 credit bereau are repoting different balances which is has been more than 7 years sitting there. please help as you can see in my report i am trying to fix my credit and this is really affecting me. thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
Credit Systems Inc is claiming that I owe them {$570.00}. 

I actually paid {$790.00} to their client on the date of service, XX/XX/2018. 

I've attached my credit card statement showing that I paid for the services. 

This also proves that I am owed {$220.00} Please remit payment to my address of {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
one fine Morning of JXX/XX/XXXX, I found my Checking A/c abruptly closed without citing any reasons. 
The account balance was overdrawn and I had a provision to do so by the dint of contract with the Bank, Wells Fargo. 
Upon taking up with them it was informed after a lot of push that a low balance did not warrant the Bank to assign any cause ( this is untrue ). 
I had written to the Bank that I am in Financial distress and that I would make it good soon. 
They simply ignored it. 
I have been Banking with them Since XX/XX/XXXX. 
I am not able to pay mu school fees as my payments are linked to it. 
XXXX requests and correspondence did not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IN

Complaint narrative:
It is for my XXXX XXXX XXXX  that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX they said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MD

Complaint narrative:
The FIRST PROGRESS CARD with account number XXXX appears to be a charge-off account with a specific balance of {$180.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in 3 Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have a loan with Select Portfolio Servicing with account number XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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:
I have disputed several unknown inquiries with XXXXEquifax on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies.I want these inquiries deleted immediately. Lastly XXXX failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a wells fargo credit card. wells fargo my credit score is around XXXX.since years i have problems with my checking accounts despite high balances. I called as my billing was not correct and that i lost my card and need a replacement. I was told on a recorded line i receive a call back within 24-48 hours. no call. i called their executive office whose reps are as rude as can be.when asking for a supervisor you get a cathegorcal NO. the promised call backs never happened.t he card is still open i still can t figure out how the balance was calculated, i was defrauded of rewards points. on top of it i have to deal with rude, arrogant csrs. Last week i went to a branch ( XXXX ) and needed a notary. I was refused that service. had to drive to fedex and pay for it. called the regional managers office and was promised a call. never came.a couple weeks before the closed the branch during business hours. This Bank is liable for all damages that occur. despite we all know how many fines wells fargo had to pay for defrauding customers in the last years

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 2022-02-16 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: WI

Complaint narrative:
On XX/XX/2022 I sent in a letter to have to inaccurate and fraudulent information removed from my credit report. I has been well over 30 days and nothing has been done about it. They sent me back a letter saying they don't believe it was me who sent in the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: IN

Complaint narrative:
It is for my XXXX XXXX card that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: IN

Complaint narrative:
It is for my XXXX XXXX XXXXard that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX-Cavlary Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX this debt was purchased from another account and I requested the original contract and account information otherwise requested this is deleted from my credit report. 

XX/XX/2022 Received a communication from experian that they are not removing this item but did not provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/22, I received an identity verification transaction alert from my XXXX monitoring service. I called XXXX who then told me that fraudulent bank accounts were opened in my name with TD bank. I called the TD Bank Fraud line to alert them of the fraud. They told me they closed the accounts. I contacted the FTC to file an identity theft report. As a part of the identity theft recovery process, I requested a letter from TD Bank to state the following : the fraudulent account was not mine, I am not liable for the account, and it was removed from my credit report. They denied my request for this letter even though I went in person with all my identifiable information and IDs.

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that they provide me with copies of business records relating to the fraudulent account identified above. The law directs that they provide these documents at no charge and without requiring a subpoena, within 30 days of receipt of my request. 

Without the above mentioned information, I am unable to file a police report without the evidence of fraud that they have in TD Bank system due to TD " bank policy ''. They are actually breaking the law by not giving me this information. I need the police report to report this to SSA and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account below was added to my Equifax credit report. This is not mine, and I have reached out to the number and address, for more information and verification and have been ignored. 
In addition, this agency is being investigated and sued by FTC ( see image for fake collections ). When I called them they threw threats and court and issuing of a summons to be delivered to my employer. Immediately remove and delete this from my credit file. I have never heard or had any business with company. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2022, I submitted a credit card dispute to Chase Bank via fax for two charges that I incurred from two merchants, XXXX XXXX and XXXX XXXX XXXX. The background and my rationale for disputing these charges are detailed in my letter to Chase ( attached to this complaint ). 

Not hearing anything, I contacted Chase via phone three days later. The customer service rep was able to see the fax that I sent, but the dispute wasn't processed ( for reasons not explained to me ). With me on the phone, the rep then walked through the process of starting a dispute. 

A few days later, I noticed an account credit for the XXXX charge on my electronic statement, but nothing for the XXXX XXXX charge. When my statement closed this past week, I see that the XXXX charge was reinstated. 

Chase has never contacted me to either notify or explain their reasons for rejecting the disputes. I am still out {$1700.00} and have nothing to show for it.

Company response to consumer: Closed with monetary relief