vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: CA

Complaint narrative:
TransUnion refuses to include updated information on my credit report. 
They refuse to include my XXXXXXXX XXXX card, XXXX XXXX card and XXXX Card. 

I've had these accounts for 3 months and they refuse to report them. 

We are in the process of filling and class action lawsuit against TransUnion.

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 2020-07-25 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: OR

Complaint narrative:
Trans union is reporting an incomplete and inaccurate credit report I have asked to all the information on be updated to the most recent or remove all negative.

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 2020-07-25 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: Shellpoint Partners, LLC
State: OK

Complaint narrative:
My mortgage was transferred from Shellpoint Mortgage to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because Shellpoint Mortgage shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( shellpoint mortgage ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. 

The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. 

I am happy to additional information regarding our situation at your request.

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 2020-07-25 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: OK

Complaint narrative:
My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXXXXXX XXXX  Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2020-07-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX  ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
The product they sent did not meet my expectations and the item was returned even though they never responded to my request on instructions on RMA ( Return Merchandise Authorization ). I have made several attempts to cancel and no one was able to respond to my inquires. ( Please see attached ). This needs to be deleted from my credit report immediately as it has affected my score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS XXXX XXXX CREDIT CARD. THIS FACTORING COMPANY-PORTFOLIO RECOVERY BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE PORTFOLIO RECOVERY DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duane Morris LLP
State: TX

Complaint narrative:
Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', Duane Morris LLP ( " Attorneys XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX XXXX " Attorney XXXX '' ) in conspiracy with XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX ( " Attorneys XXXX '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', Attorneys XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and XXXX submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ XXXX in payments with approximately $ XXXX being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Attempted to settle my debt with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I have been trying to contact eppicard services for 2 weeks for a card. I am expecting a unemployment card, I already have a child support card but was told those benefits are separate and will go onto a new card. There is no way to get ahold to anyone on their phone line. I've been on hold for over 38 hrs total. The website is not functioning correctly. I want them to contact me or open their lines of communication properly. People are starting to go back to work so covid should not be a problem anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
THESE COMPANIES ( Experian, a XXXX, and XXXX ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2.  UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received 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 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  repeatedly calls my cell phone along with my wifes cell phone threatening to file a complaint in court for a debt that I dont recognize. They have an investigator calling and leavening messages on my cell phone stating that they are filing legal charges against us in court. They threatened to cause damage by reporting this to my credit. They are making false accusations on an old debt from 2010. They told me that I had 7 judgments against me which are not true. I attempted to ask them to validate the debt by sending me information via mail or email. They refused unless we agreed to make a payment. I asked them to cease and desist calls to my cell phone and they told me they will not honor my request. They are also harassing my wife when she told them to stop calling her cell phone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
address not mine That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number

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 2020-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number

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 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Attempted to settle debt with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.

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 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS CAPITAL ONE CREDIT CARD. THIS FACTORING COMPANY-XXXX  XXXX  BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE XXXX  XXXX  DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As per usual, pulling the credit report to which I'm ENTITLED BY LAW to receive a copy of my report. Every time I attempt this thru one of the " big three '' CRAs, I hit a roadblock. 

This has to be my third or fourth complaint about TU. Given that I've been unsuccessful EVERY TIME I attempt to pull a CR, I'm beginning to wonder if there's a system in place to deny these reports.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
received online approval on XXXX.20 and email saying card approved. suntrust even called on phone to verify information. recd letter on XXXX.20 dated XXXX.20 saying that card is declined because they can not verify income or employment. they never called me even though they said they have. credit score is XXXX why is suntrust pulling this unprofessional XXXX. They need to call me at XXXX and explain the lack of professionalism in this matter. There are many banks to get cards with. Suntrust apparently has a lack of leadership in the credit crd dept and does not manage staff appropriately. Now I have a hard hit to my credit and Suntrust is coming up with XXXX. Way to go Suntrust, good job ... ... ... ... ... ..

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