vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE ACCOUNTS OR INQUIRIES

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 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I send a Certified money order through my bank to the lender. They say they did not receive it in XXXX but the letter sent to me saying they did receive it but they didn't know where to put it at. And my account was right on the letter. II call they say they return to check I never received it. I can not get the money until 90 days before I can go to the bank to cancel it. The manager who I call XXXX XXXX, ( XXXX ) she could not help I told her find the check. and not put me down as Delinquent. I PAY EVERY MONTH WITH A Money order from the banK Now it's a problem.

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 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was scammed into sending partial of my closing cost to a fraudulent account through wire transfer. 
The amount was {$33000.00} Thankfully the receiving Bank was XXXX  and the froze the fraudulent account and held the money. 
My bank which is Truist claims that theyve been requesting the money back but chase bank is also claiming the they havent received a request from Truist. The frustration for me is there nothing I can do on XXXX  side because Im not a member at XXXX and I really cant trust their communication with XXXX on the line

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I had been very ill and my boyfriend had been sick with XXXX twice. I was a month or so behind on my mortgage. I called my servicer Select Portfolio Servicing and they were very easy and helpful. They quickly offered a 6 month forbearance. This was in XX/XX/XXXX. I thankfully accepted and went about the business of trying to get our lives back together. My next payment was due XX/XX/XXXX. I called to make sure all I needed to do was send it in. I was greeted by a customer service representative that let me know the full amount of my 6 months forbearance was now due. Needless to say, I was shocked. 
I was expecting some kind of modification to add it back into the mortgage. It basically defeats the purpose to suddenly want it from me. I was told to file a XXXX and they would decide how I was going to pay it. So then began the documents request. Over and over. I sent them, their system acknowledged receipt but yet I get another missing documents letter. THEN I start getting letters that let me know that in the background of all this they are getting everything really to file for foreclosure and there wont be anything I can do about it if my documents arent in. Sounds like XXXX!! Amazingly, they also keep sending me letters tell me my house was discharged when I filed bankruptcy in XXXXAGAIN - I sent them the documentation that I had reaffirmed the mortgage at the time of bankruptcy. Somehow they cant process this information either. I feel Im not getting good customer service because they think I have no legal responsibility for the mortgage. Its much easier to take the house and sell it to someone with a legal interest. The problem with that is that I bought that unfinished lot on a mountain in XXXX. I put my home on it and raised my children there. Now because I was stupid enough to believe the mortgage servicer was actually helping me, Im losing my home of 35 years. Im XXXX, on a fixed income and have no where to go. How can these people just jump into my life like this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NV

Complaint narrative:
On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
Wakefield & Associates has attempted to collect a medical debt on behalf of XXXX. 
Wakefield & Associates did not do their due diligence in finding my residence to submit their debt verification to me, or attempt to collect the debt. The address they sent debt collection correspondence to was a residence not occupied by me or anyone from my family for over 4 years prior to the debt incurred. I have public records showing clearly my current address, and this address was indeed used by Wakefield & Associates to serve me Court Summons paperwork. 
Wakefield & Associates also encouraged me on the phone to not file an Answer in response to the Court Summons and instead pay them directly using their online portal. They indicated going through the Court would likely end up in additional fees incurred by me and added to my debt balance, and lengthen the process. 
Furthermore, Wakefield & Associates is adding interest and collection fees, as well as court processing fees to my debt balance. Rule 2.03 on Colorado Fair Debt Collection law states you can not charge me costs of collection. The Colorado FDCPA prohibits the debt collector from collecting additional amounts beyond what the credit agreement expressly authorizes. AND, under the FDCPA, debt collectors cant attempt to collect interest or fees over the amount you owe, except in cases where the contract that created your debt or state law allows it. Wakefield has not presented any documentation to prove they are legally allowed to charge me interest & fees on my debt balance. There is no debt contract provided to substantiate they are legally permitted to charge me anything over the principal amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: AR

Complaint narrative:
As I investigated my credit report, I found out that some of the information was erroneous. The XXXX and Transunion credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly correct these unverified accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XX/XX/XXXX I received my billing statement from XX/XX/XXXX ( Jet Blue Credit card ) Barclays ; with charges up to {$5000.00} from XX/XX/XXXX thru XXXX, XXXX, not authorize by me or anyone I now. This were made at various XXXX XXXX in XXXX NY, XXXX XXXX, XXXX NJ, in the amount of {$2000.00} XXXX NY, {$450.00} XXXX XXXX in XXXX NY, {$38.00} XXXXXXXX XXXX XXXX NJ, {$210.00}, XXXX NY, {$120.00}, XXXX XXXX XXXX XXXX {$75.00}. I reported this charges to the credit card and they claim that they did an investigation and made me responsible for the charges because the card was in my possession. I did not made this charge. I gather evidence of my whereabout on the days os the charges. I went to the police and made a report, went to court for advice and they were not able to help me also went to the DA 's office, consulted a lawyer and no one was able to help. I had tried for month to clear this and it's had been impossible.

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 2023-05-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered Data X on my credit report. I tried to request a copy of my report online. However, you must download a form, and mail it in. This is a great inconvenience when trying to correct errors on your consumer report Amazingly, I could download a form, but could not request a consumer report online. 

This process deters consumers from correcting erroneous information. We are in the XXXX XXXX and XXXX XXXX policy and procedures benefits Data X. The credit bureaus are out of control, and taking advantage of the very people the claim to protect! They are reselling our personal information and making a generous profit. This is asinine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-05-12 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: AR

Complaint narrative:
I would be gIad if you put attention regarding to my complaint its because I found out there are some inaccurate informations that are UNKNOWN to me. You are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again. The following inaccurate items are needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ENF XXXX Balance : {$10000.00} ; ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account and i never open an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account and i never open an account with this company.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I been a customer with US Bank for years. Last year ( 2022 ) I had a problem with fraud on my account, they placed a 30 day hold. It ended up being over 60 days. Was being referred between the local manager and corporate office. Finally after threatening to sue the very rude manager, he was able to give me my check with my account balance but not before stating that the bank would be done doing business with me.

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