vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
XXXX, XXXX, and Transunion refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX XXXX, and Transunion had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX XXXX, and Transunion remove this public record off my credit report asap. My race and age is playing a big part of XXXX XXXX, and Transunion unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX XXXX, and Transunion is very XXXX and doesn't put accurate information on certain people credit report.

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 2022-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX Equifax, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX Equifax, and XXXX remove this public record off my credit report asap. My XXXX and age is playing a big part of XXXX Equifax, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX Equifax, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2021 I drafted a letter of validation in regards to 9 accounts with Gesa Credit Union, that appeared to have been sold and duplicated multiple times on my credit file by 3-4 different organizations. After sending out the letter via certified mail I received no response from the companies in violation of FCRA. After waiting over 7 months for a response, I decided to dispute the accounts with Experian directly. Today I received a credit report stating that the accounts were verified? Verbal validation with a creditor and credit bureau doesn't suffice as proper validation or even verification under FCRA. It is my belief that Experian is in gross violation of FCRA at this 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 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I've gotten several calls now from a company called Sequium.

Sequium has several times now called my business phone number ( I own my own company, XXXX XXXX ) with an automated recording saying I owe a debt to be collected, does not describe or name the debt, and when I try to follow their menu through to a real representative, it says " searching for your account information '' and then the line disconnects. It has also called and the automated recording calls me by another business name, ( mixed up the phone numbers somehow? ). Again, I could not reach a real person. 

The calls are harassing. I've received multiple just today and I owe no such debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute back in XX/XX/XXXX with transunion, regarding an incorrect dismissal date of my bankruptcy XX/XX/XXXX. I have already sent the agency my discharge documents from the court of XX/XX/XXXX. The inaccurate that is only reporting on my transunion and no other credit agency. At this time based on this incorrect reporting I am unable to qualify for a home loan. My family and I need to find a place to live as we are relocating in XXXX. Transunion is not working with me to remove the dismissal date of XX/XX/XXXX and replace with my discharge date of XX/XX/XXXX. I have called several times and at this point Im getting nowhere.

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 2022-01-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and experian is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: NV

Complaint narrative:
I applied for the US Bank Platinum Visa card using my physical street address of XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I instantly changed my address after the application process by logging into the US BANK online website and updated to my MAILING address of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX. I then tried to contact US Bank on 17 different occasions and they refused to speak with me causing me to become very irritated and the representative then placed a suspicious fraud alert on my account even though I have verified ALL information and the representatives confirmed that the only address they have for me is XXXX XXXX XXXX. However, each time I call they state the address has not been changed and this is causing MAJOR issues. A US BANK representative by the name of XXXX XXXX then used her personal cellphone to contact me outside of business purposes on XX/XX/22 at XXXX XXXX  PST to tell me I am " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. US BANK will not respond to my correspondence and I fear for my life that they have allowed an employee access to my personal information and that this woman XXXX XXXX XXXX try to 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 2022-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under my Social Security Number on my credit report, Experian shows a Bankruptcy claiming the information was provided by XXXX Risk Data Management, and all their investigation resulted being accurate. After following up with XXXX on this item on my report, first XXXX notified me there has been no investigation submitted to them by Experian on this item, and secondly, XXXX investigation resulted in the removal of the item and clearing the Bankruptcy report from my file and notified Experian of the result. However, Experian refuses the removal of this item from my report or reinvestigation of this item on my report. 
I have submitted 2 letters to Experian, 1. From California Central Bankruptcy Court indicating they never report to Credit Reporting Bureau ( See attache ), XXXX. XXXX letter notifying me they have investigated this item and have removed the item from my Report. 
I have also attached a copy of the screenshot from my Experian report showing they received this information from XXXX, and they have also previously claimed they have purchased this information under Bulk information purchase and does not fall within FCRA rules and regulation of personal data must be reported by original source of the information. 
Clearly, Experian has violated my FCRA rights and neglected to properly investigate the information, as well and ignoring evidence and notification from the external source of their date.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: VA

Complaint narrative:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with ALLIANT CREDIT UNION `` ALLIANT ''. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. ALLIANT became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I made a mortgage payment in the amount of XXXX in XX/XX/22 which is the monthly mortgage payment which is not due until XXXX had an outstanding escrow balance and clearly told my mortgage company to credit this payment toward my outstanding escrow since they did not credit my acct for the monthly payment .my mortgage terms should not include escrow at all.but I want to pay the outstanding escrow before my next payment is due in XXXX so my payment will go back to XXXX instead of XXXX please help because they are holding the money in suspense instead of crediting my acct properly.thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
XXXX was asked by phone to provide proof of debt from XXXX. XXXX did confirm with equipment was returned and no debt due. However XXXX when we ask them to provide details of alleged debt only sent a statement with an amount, no details as to what the alleged debt was associated with, fees, equipment or anything else. We told them this was not adequate but they continued collection attempts without providing details. We asked them to stop and they did not stop.

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 2022-01-11 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with XXXX XXXX XXXX. Outsource XXXX XXXX finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

Experian is still reporting even after a dispute and after XXXX XXXX XXXX has sent them a paid in full balance.

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Hello I had a checking account on moneylion application and everything was fine. 

On XX/XX/XXXX, I noticed that I can't log into my account so I tried to call them ( I waited about two hours to get live person ) they told me on XX/XX/2021 someone called and claimed that he is XXXX XXXX and My account is opened by using fake identity ( I mean identity theft ) but I explained to them that I was in the middle of an auction and I was about to win it so a person tried to close all of my accounts including my Moneylion account. 
As other financial institutions had local branch I visited them in person and solved the issue. 
But for Moneylion I called them 7-8 times and finally they told me I have to send supporting docs to XXXX so I did it But unfortunately, they are not answering me anymore. 

But what was those supporting documents? 
They told me I have to send supporting docs to prove I'm the real XXXX XXXX They told me as I shared my account with my girlfriend XXXX XXXX I have to proof she is my girlfriend Now I have XXXX in my account and they don't want to reopen my account and also they don't agree to reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My name is XXXX XXXX, and my maiden name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

I have attached all of the letters that I have sent to LVNV in response to the derogatory information that was placed on my credit report. I never received a response from the company from any of the letters that I sent out. Then they tried to take me to court in which they closed the case due to identity theft as I stated before, but they have yet to answer for the violations that have been done to me. They have ruined my reputation, my character and my chances in getting approved for credit. 
The information has been removed from my credit report, but I am still dealing with the after effects of the derogatory information that was place on my credit report. They have violated several US codes as listed in the attached letters. 
I have lost job opportunities, the ability to get a student loan to go back to school because of the information that was placed on my credit report. Although it has been removed, I did not gain the points that were taken from my credit score once this information was removed and I am still feeling the after effects of LVNV and Resurgent Capital Services and the information that was on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Western Union refuses to perform due diligence regarding 3 refunds/cancelation it has been. Over 45 days and I have yet to receive refunds from my wire transfers that was returned/refused from my biller/creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Green & Sons Agency, Inc.
State: WY

Complaint narrative:
A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with Outsource Receivables Management. Outsource Receivables management finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

XXXX is still reporting even after a dispute and after Outsource Receivables Management has sent them a paid in full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: MD

Complaint narrative:
I have an account with AllianceOne collection agency. I tried to contact them multiple times in XX/XX/2021 in regards to an upcoming payment I wanted to push back a few days until my next payday. When you call the number on the bill they provide it says you must leave a voicemail and someone would return the call. I left messages several days in a row, to no response. I then went on their website and filled out a " contact us '' form in hopes between leaving messages through voicemail and leaving messages online someone would contact me. Up til now I still have not received any type of correspondences from AllianceOne. My payment was still processed as normal via automatic payments although I requested via voicemail and online NOT to submit my payment. This month I received a letter from a different collection agency saying they are taking over the account so I've been again, trying to contact AllianceOne to ensure my automatic payments are stopped since I now have to set up arrangements with a new company. Same issue this month, no answer to the number on their bill, I again, submitted an online request for someone to contact me ( even selected they can contact me via e-mail and/or phone ). Still no response. The phone number on the bill they advise you to contact is XXXX. My attempts at reaching the company are as follows : 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 non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
At the end of every year NewRez pulls this non-sense. Always trying to make me pay a double payment even tho I add the {$18.00}. Payment runs from the XXXX to the XXXX after that the late fee of {$18.00}. Straighten them out on this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation