vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom This May Concern, I currently have an account with Transunion where I used to be able to place and remove freezes, file disputes and do other maintenance. However, about 6 months ago, I became unable to get into the account and initiate any of these activities. There seems to be some sort of error or glitch which is preventing me from freezing my credit, accessing my XXXX XXXX XXXX ( via XXXX ), and making disputes online.

I called multiple times and spoke with numerous representatives. Each diagnosed a different problem and claimed that it had been corrected. After a few weeks I finally gave up. I've spent countless hours trying to correct this.

Tonight I tried once again to get in, hoping that whatever issues that once were have somehow magically been resolved. Unfortunately, nothing has changed.

At this point I do not know how to proceed. I am hoping this message reaches the appropriate department who can review the issue and correct it.

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 2020-01-31 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: NY

Complaint narrative:
I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, Transunion and XXXX  lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.

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 2020-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On or about XX/XX/XXXX I visited the XXXX website and selected a CD offer by XXXX XXXX XXXX -FDIC insured for a 12month period at 3.04 % APY. 
I followed the invest arrows and duly completed the account application form and faxed it as instructed to XXXX. The application was accepted and in discussion with the officer from XXXX XXXX XXXX I was informed that his bank was a subsidiary of the XXXX XXXX, XXXX XXXX, WI - FDIC # XXXX and that he was a broker agent for the collection of deposits in CA. On XX/XX/XXXX I wired the funds {$250000.00} as instructed to WELLS FARGO BANK XXXX XXXX, XXXX XXXX for the credit of his broker collection agent XXXX XXXX XXXX XXXX. I eventually received an account opening confirmation for the CD. 
On XX/XX/XXXX while in preparation for my tax filing and collection of my IRS 1099-INT I called XXXX XXXX XXXX on XXXX and found the number to be out of service. I immediately called XXXX XXXX, XXXX XXXX, WI who stated that they had no knowledge of my account and had no association with XXXX XXXX XXXX. I then called the FDIC who informed me that this was a known bank fraud and suggested I contact the CFPB. I later met with my branch manager at XXXX who instigated A RECLAIM OF THE FUNDS ON WELLS FARGO BANK- no response as yet. I also filed ic3.gov FBI report and have informed the CT Attorney General.

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 2020-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a car loan on my XXXX XXXX XXXX through Capital One Auto Finance. They have been great as far as arrangements and communication. My issue is that I made a XXXX payment on my account through XXXX in XXXX as I always do each month and they said that the payment was returned. I can not make electronic payments on the account. I have been making payments through XXXX at XXXX for the last 2 years with no issues. I spoke with a supervisor and she stated that XXXX or XXXX XXXX made a double payment and then returned one of them. This makes no sense to me as this is affecting my account. I would like this to be looked into and rectified. I have attached my statement reflecting the date that the payment was made. It is highlighted. 

I would also like for electronic payments or at least debit card payments to be reinstated on my account. I would like to begin making my payments directly to capital one. Everytime that I ask about this, I get the run around. 

Lastly, if possible, I would like for the repossession to be removed from my credit report. We still have the vehicle. I have steady employment and when that repossession happened I was unemployed. If that could be done, I would appreciate it. If not, I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I'm in the process of refinancing my home with a company other than wells fargo but I can not get wells fargo to stop the automatic payment so that the company I'm refinancing with can pay off the loan with wells fargo. There is no option on their webpage to stop scheduled payments and I've spent the past 24 hours attempting to cancel the auto pay. I have spent hours searching the internet and reviewing wells fargo 's website for instructions on how to stop a scheduled payment, however I am not seeing the option to edit or delete a payment on my dashboard which all of Wells Fargo 's FAQs claim exists. 

Wells Fargo has consistently made setting up and modifying automatic payments excessively difficult. In light of Wells Fargo 's long history of deceptive consumer financial practices ( culminating in their disgraced former CEO being barred, for life, from the financial services industry ) I am horribly concerned that this is nothing less than a continuation of the ethical rot in Wells Fargo to wrongfully extract money from customers. Further, its likely that I'm going to have to fight for months with them to get my money back. I have no faith or confidence in wells fargo and do not trust them at all to make this right.

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 2020-01-31 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-31 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: NY

Complaint narrative:
I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, XXXX and XXXX lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.

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 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I disputed this account months back in the amount of {$160.00}. I had two collection accounts with this agency to which they could not prove it was mine. They deleted one off and as I'm checking my credit this one is still up. They only sent me copies of statements but no signature, signed original contract, they didn't send me a signed copy of the buying of the debt and license to collect in my state. Now they are reporting to the agencies as 100 % verified but they know a copy of a statement is not proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 XXXX with Ideninity Theft Dept USAA left a message saying USAA decided this was Not Ideninity Theft because in Ideninty Theft someone MUST OPEN AN ACCOUNT using your stolen data. I was Not aware I needed USAA PERMISSION OR CLEARANCE TO REPORT ID THEFT TO THE FTC. 

( ** USAA HAD 2 YEARS TO INVESTIGATE FRAUD AND FAILED** ) Upon research FTC explains Ideninity Theft Thieves can Steal from your ( ** EXSISTING ACCOUNTS ( placing charges you did not make ** ) Or ... open a new account Anytime your data has been used to place charges you did not make it is ID Theft Perhaps I have misunderstood the authorities if so Please Educate Me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I've been in dispute with this company ( XXXX XXXX XXXX. ) and the bureaus to which this account has been deleted off my credit file. Now I'm receiving a letter from this company today saying I owe {$1900.00} ....??? Now that this is happening to which I don't know why. This company is not on my credit report. Attached is a copy of the deletion of my credit file. So I want this company to mail me what is it they have. 

Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-31 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Ive notified CHFA several times that until we are two income household again mortgage will be one month behind. However they call and attempt to collect every day causing me distress and harassing me early in the morning during my work hours and now late at night. I fear retaliation of going into foreclosure because Ive expressed they are harassing me. We are paying mortgage and not even a month behind currently yet they call me everyday causing anxiety and distress. Ive given a date of when payment can be made but I was told it doesnt matter and they will still call. Dont know what to do other than ignore them until I can pay as they are not working with us to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: IL

Complaint narrative:
I opened a loan with XXXX XXXX XXXX in XXXX  XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then XXXX was bought out by XXXX XXXX. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into XXXX/XXXX in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name XXXX XXXX. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with XXXX   and all loans with XXXX as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. XXXX, Equifax, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've disputed this issue with this credit card. It is showing as if it is still open and active. I see last payment is 2017 of XXXX. I did not open this account and have not been sent a copy of original contract with my signature or anything. Now I've been patient with this company. The total of the card is almost {$2000.00} but it is saying right now I've used up {$1300.00}. I need this issue to be addressed. If someone has this card is using it, it is in my name and on my credit report with this account being open.

Company response to consumer: Closed with explanation