vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: MD

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$200000.00}

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 explanation
Consumer complaint received 2022-02-22 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:
I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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:
I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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:
I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX on my credit profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: COMMUNITY REINVESTMENT FUND
State: MI

Complaint narrative:
Thank you so much. I am having trouble closing on my refinance with XXXX Mortgage. I have owned my home for almost 4 years now with XXXX Bank at the time XXXX was promoting a company that would help me with closing cost. Community reinvestment fund , inc. I have a lean on my property with them but this dept was not recorded on my credit report. I have called many times over the last Month and Emailed them with no response. XXXX Mortgage has also tried many time to contact them for a 30 day pay off. I really need your help to resolve this as I can not close with out it. 
Community reinvestment is aware I am trying to pay this off, I always sent my payment through the mail but I didn't get a bill on the mail and they wont take your payment over the phone. I am concerned that it will go against my credit I try very hard to keep good credit. Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
ON XX/XX/2021 MY LOAN WAS TRANSFERED TO XXXX AND THEY PAID RUSHMORE THE AMOUNT OF {$400000.00} BY A WIRE TRANSFER ON XX/XX/2021. XXXX REQUESTED IN SEVERAL OCCASIONS THE PAYOFF AMOUNT FROM RUSHMORE SINCE XX/XX/2021 ; THEY SUBMITTED THE PAYOFF AMOUNT TO THEM AND RUSHMORE NEW THAT OUR NEGOCIACION WITH XXXX WAS SCHEDULE TO BE COMPLETED BY THE FIRST WEEK OF XX/XX/2021. FOR OUR SURPRISE RUSHMORE TRANSFERED THE MORTGAGE TO XXXX XXXX XXXX XXXX KNOWNG THAT OUR NEGOCIATION WITH XXXX WAS FINILIZED. THAT IS WHY I SAID THAT THERE WAS NOT A GOOD FAITH TO TRANSFER THIS MORTGAGE TO XXXX. I PAID ALL INTEREST AT THE MOMENT THIS TRANSFER TOOK PLACE. 
THE AMOUNT ON MY SCROW ACCOUNT WAS {$4000.00} ( SEE PARAGRAPH 5 OF THEIR RESPONSE ) ALSO ON PARAGRAPH 2 OF THEIR RESPONSE THEY ARE STATIING THAT THE PROJECTED INTEREST AMOUNT WAS GOOD UP TO XX/XX/2021. IF THEY RECEIVED THE WIRE TRANSFER ON XX/XX/2021 THE PROJECTED INTEREST WAS OVERSTATED FOR 17 DAYS THAT I AM REQUESTING FOR THEM TO REFUND ME. THE TOTAL AMOUNT OF SCROW AND OVERSTATED INTEREST IS {$5700.00}. WE RECEIVED A CHECK FOR THE AMOUNT OF {$3800.00} ; THE REFUND DIFFERENCE IS {$1900.00}. 
THANK YOU FOR YOUR SUPPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NC

Complaint narrative:
Current information that is on my credit report is not validate and need to be updated. I currently XXXX and this incorrect information is causing a lot of stress on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: PA

Complaint narrative:
I initiated 2 complaints ( XXXX ) to Transunion about a home improvement loan that they state in their report was not paid /has an outstanding balance from XXXX ( account ending in XXXX ) stating that in the month of XXXX a loan was paid is full from the proceeds from the sale of my property XX/XX/XXXX ( XXXX vittum hill rd.sandwich n.h. XXXX ) There is actually a zero balance on the disputed XXXX account as stated in other credit reporting bureaus.I also have contacted greensky who sent me a letter dated XX/XX/XXXX stating there is a zero balance on acct ending in XXXX, this letter was submitted to transunion for whatever reason they choose to ignore the FACTS.

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 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 -- later in the night -- an unknown person gained access to my Wells Fargo accounts and deposited two fake {$1500.00} checks into my savings account, transferred to money to my checking account and then sent the money to himself before the checks could bounce, resulting in a total of XXXX unauthorized transactions. On XX/XX/2022, I reported the transactions as fraudulent which consisted of a two hour phone call with XXXX from Wells Fargo. To date, only XXXX of these transactions have been reversed, the two remaining transactions being XXXX {$500.00} XXXX transfers to a man named XXXX XXXX, {$1000.00} in total, half from my savings account and half from my checking account. Up until that point, I had never accessed the XXXX software embedded in the Wells Fargo banking app, and never had an account set up with them. At this point, I am still trying to reverse these final XXXX transactions to get the money back and help my mother 's credit score, as she is a joint owner of the account. Until XX/XX/2022, Wells Fargo denied our claims to reimbursement under the pretense that the transactions were not in fact fraudulent, saying " either you or someone with your authorization authorized the transactions ''. On XX/XX/XXXX, however, after another phone call with Wells Fargo on the XXXX, Wells Fargo sent me a secure email through their website, and gave me a different response, saying they could not reverse the transaction or reimburse me due to the medium of transaction, as it was through XXXX and not directly through Wells Fargo. They said that I would need to handle the dispute through the recipient 's financial institution -- which I do not know as I do not know who XXXX XXXX, or whatever his real name is -- if I were to be reimbursed.

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 2022-02-22 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: Nelnet, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of Education/ Nelnet on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ DATA INTERNATIONAL is attempting to collect a debt for an apartment complex ( XXXX  ) I lived at 3 years ago. They claim I owe rent beyond the end of my lease due to lack of notice and for damages. The lease terms were completed and a joint move out inspection was requested. The management did not respond. I have documentation to support. 

IQ DATA INTERNATIONAL is reporting this debt to my account every 3-5 business days. My credit score was XXXX prior to this abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had made several large cash deposits at a citibank atm between the dates of XX/XX/XXXX and XX/XX/2022. Upon trying to use my debit card to make purchases on well known brands sites my card was constantly being declined. I attempted to contact citi and no one was able to help me get my card to make purchases. 


On XX/XX/XXXX there was an unauthorized transaction on my card for {$1000.00} upon reviewing my account i disputed that charge and several other charges that I did not recognize on my card during a phone call with a citi fraud specialist. The specialist told me my online banking would be frozen until my new card was activated. 

I receive my new card and activate it but my account was still not opened for online banking and my account was blocked for any debits what so ever. 

I called and they told me my account would be terminated and there wasnt anything they could do with {$2400.00} still in my available balance and I will be late with many payments and suffer many losses.

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 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been sending letters to Equifax credit reporting, since XX/XX/XXXX through XX/XX/XXXX, demanding actual validation of the debt on my credit file. Item in dispute ; XXXX, XXXX Receivables in the amount of {$4600.00} dollars, not my debt. I have not received any reply from Equifax nor verification documentation, per my request. Please help to remove this from my credit file, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NC

Complaint narrative:
Current information that is on my credit report is not validate and need to be updated. I currently XXXX and this incorrect information is causing a lot of stress on my behalf.

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 2022-02-22 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: NC

Complaint narrative:
Current information that is on my credit report is not validate and need to be updated. I currently XXXX and this incorrect information is causing a lot of stress on my behalf.

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 2022-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I made XXXX transfer on XX/XX/22 at XXXX am. 
Goldman Sachs Bank USA locked me out of my account so I could not trace the funds and report them for fraud. They never processed a wire that was made and tried to get me to call in 2 for 1. They are not being honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following ACCOUNTS/BANKRUPTCY/INQUIRIES AND XXXX XXXX along with LATE PAYMENTS that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had filed before the case was closed for lack of evidence. Documents had been misplaced. XXXX XX/XX/2020. 


I called SunTrust in XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX XXXX with SunTrust Bank. I contacted Sun Trust for a case number the bank was not forthcoming. Making several attempts to no avail. 
I was using the XXXX XXXX XXXX XXXX as a payee from XXXX XXXX XXXX I was doing this voluntarily due to an XXXX XXXX 
Funds are dispersed to clients with another check, see documents enclosed. 
I allege XXXX and Sun Trust of actively defrauding vulnerable XXXX persons including Local, State, Federal governments. XXXX XXXX XXXX XXXX XXXX client. I have an account with SunTrust through the XXXX XXXX XXXX but when SunTrust looks it up under my social security number they can't find anything. 
Finding that all Social Security Administration recipient 's funds reside in one primary account. 
On more than several occasions request for funds was denied by 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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion the " Company '' has failed over several years to protect my rights as a consumer by the following ; 1. given me an alias based on inquires, the Company has given repeatedly given me the middle initial of " M '' or the name XXXX XXXX ( my deceased aunt ) ; even though for years I have by phone, mail and e-mail stated that ( 1 ) I have no middle name ; ( 2 ) XXXX XXXX is a separate identity and no my identity- as of today XX/XX/2022 both have been reapplied to my report. 

2. TransUnion has place a disputed debt that that is more than 14 years old, it has been removed several times only to be placed back on my report. 

3. TransUnion claims when making disputes, Consumer are ONLY allowed to place a disputes of ( 1 ) ONE disputes for 30 days and can not make several dispute when acquiring the FREE credit report. Otherwise Consumer are forced to join and even then an additional dispute can not be made until that single and ONE dispute has been settled.

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 2022-02-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My information was used/ shared without my consent. XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
Dated XX/XX/2022 I received a letter from Maury Cobb Attorney at Law LLC about an inaccurate debt in my name. It appears to be identity theft from XXXX and XXXX XXXX XXXX ; I did not give consent for my information to be sold to multiple third party companies. Maury Cobb Attorney has called me multiple times falsely stating that I must pay this inaccurate debt. Pursuant to 15 US Code 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following XXXX XXXX XXXX XXXX that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have had the amount of {$19.00} withdrawn by debit card from my BOA account for 6 months, beginning XX/XX/XXXX. Every month, there is a debit card charge to a DIFFERENT COMPANY for the same amount. Most of the names of the businesses have no phone number or contact information. I called this month 's company, only to be told they can not locate me as a customer, although their number is listed on the bank withdrawal/payment. Bank of America does nothing but refund the money and send me a new debit card. They say this is most likely an auto-renewal situation, but are unable to state who the initial debit was made by. How does the fraudulent company receive the new debit card number every month? Who is giving out that information? My legitimate companies contact me every month for a new card number, why doesn't that block the hacker from receiving my information? I can not continue to receive new debit cards every month, having to change all of my banking information with my accounts. 
The names of the fraudulent accounts are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Supply XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The last company listed is the only phone number on all of the debit card charges. I spoke to a rep there who stated they have no account under my name, phone number or address. 

Any advice will be appreciated. I have to stop this recurring fraudulent use of my account.

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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe. 

I have filed a previous complaint with CFPB ( XXXX ) and same debt was tried to be collected by another collector ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) so it just seems they closed the file with XXXX collection company to make XXXX  happy and 2 days later they had asked another collector to holler at me. This is harassment at this point to try to collect XXXX debt. 

The court judgement statue of limitations on collection o f it expired XX/XX/XXXX, that's like several years ago, so this debt collector has no shame in trying to collect invalid debt and produces a judgment in the mailed letter that is expired and was never renewed so they know statues of limitations but choose to ignore them. shame on this debt collector nothing but games games games

Company response to consumer: Closed with explanation