vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our Citibank Cd was renewed at the wrong rate and duration. On XX/XX/19 I called XXXX and spoke with XXXX to renew our Citibank cd at 2.5 % for 12 months which she offered. Mistakenly, it was renewed at 1.5 % for 13 months. I never got confirmation so on XX/XX/19 I called back and spoke with a very rude and incompetent banker named XXXX who would not help me or give me her supervisor 's contact information. I went to our branch and dealt with XXXX XXXX, Citibank XXXX XXXX branch manager ( XXXX ), and she just filed a dispute to investigate, case number XXXX. I tried calling her back to check on case, and no answer, and could not leave a message. So on XX/XX/19 I call the XXXX number back and am told by c/s rep. XXXX our case was cancelled. She says she will escalate it and gives me a new case number XXXX, and tells me to call back in 10 days. I call back on XX/XX/19 and speak with XXXX who is evasive and says it has been resolved, but can't tell me the results due to privacy concerns. She says I will get a letter at the latest by XX/XX/19, but I did not. They are refusing to correct their error. Also, one of their c/s reps told me that there are notes in their system showing I spoke with XXXX on XX/XX/19 regarding our cd. I was within the grace period. Thank you.

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 2019-08-08 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: KS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( TU, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

XXXX XXXX has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. XXXX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and Target all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.

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 2019-08-08 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

XXXX XXXX has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. XXXX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

Amazon, Walmart and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.

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 2019-08-08 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: OH

Complaint narrative:
I bought a truck XX/XX/18 last fall. The auto company applied at several ( too many in my opinion ) banks etc at the same time between XX/XX/18 to XX/XX/18. Credit reporting company web sites states ... ... ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE, transunion reported them as 6 NOT ONE ENQUIRES which caused my score to drop very much. they said they corrected the error BUT they did NOT. The following is what my dispute to them stated YOUR SITE STATES ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE. THE ENQUIRES FROM XX/XX/18 TO XX/XX/18 WAS FOR 1 AUTO LOAN. YOU HAVE THEM LISTED AS 6 ENQUIRES NOT JUST ONE!!! WHICH CAUSED MY SCORE TO DROP 20 SUM POINTS. I TOTALLY DISPUTE THAT. I WORK VERY TO KEEP A HIGH SCORE  AND ATTAIN OVER 800 SCORE. PLEASE CORRECT THIS MESS SO I CAN CONTINUE MY CLIMB TO XXXX. YOU ARE THE ONLY COMPAMY THAT LISTED THEM INDIVIDUALLY.

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 2019-08-08 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: GA

Complaint narrative:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX Dpt Ed/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
XXXX XXXX Machols & Johannes LLC was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Home Mortgage has illegally retained the surplus in my escrow account the past three years. They use bogus escrow review analyses to estimate that my account will have a shortage, while in each of the last three years ( every year since the inception of my loan ), the actual data reveals a surplus. Per RESPA, Wells Fargo is required to pay out this surplus within 30 days, however since their erroneous analysis estimates a shortage, they don't pay. For three years, my surplus has sat in Wells Fargo 's coffers, in direct violation of RESPA. 

I have contacted Wells Fargo about this problem each of the past three years, but nothing has been done. 

I have attached a four page summary of my findings, complete with dates, amounts, etc. 

If you need any additional information, please don't hesitate to contact me personally, I am happy to scan in any documents that you request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I've tried to get my Money back at several Money Gram locations here in XXXX, TN, but unsuccessful. My Money Gram references are # XXXX and XXXX for a Total of {$690.00}. The locations were Walmart ( two different locations ) and XXXX XXXX ( Orig. location ). This process has been going on since XX/XX/2019. I was trying to send Money to a girl that I know in another country, but trans. was cancelled for some unknown reason on there in ( Money Gram ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I applied for a job and it turned out to be a fraud. 
On XX/XX/2018, While studying at XXXX  XXXX  University, I once decided to look for jobs through a website called XXXX, which is affiliated with XXXX and I could not join the website unless I use my student email, which has the XXXX domain in it. I stress that XXXX 's job website encourages its students to use XXXX to look for jobs. As I looked through the jobs, one caught specific job caught my eye ; it was a virtual assistant job for XXXX XXXX. I applied for it and got " accepted ''. 
On XX/XX/XXXX, I receive a check of {$1900.00} via mail from my " employer '', with a set of instructions that were texted through messages. I deposited the check into my Bank of America Checking Account and received the funds onto my checking account pretty quickly ; the instructions they gave me were to buy {$500.00} worth of XXXX cards to check for my loyalty to the company. 
Being a XXXX year old at the time, and recently moved to the United States, I was never warned or have dealt with anything like this, I had no experience with being used in such way. It was also my first time ever applying for a job, and as XXXX was what XXXX used to provide its students with jobs, I trusted the university and fell for the fraud. 
Later on the same day, they instructed me to wire {$1400.00} via XXXX to another XXXX in XXXX XXXX  XXXX, Tennessee. At this time, i felt that something was wrong, but I got scared and went ahead with it as I did not know what I was dealing with and I just wanted to get rid of the money. 
Directly after, I drove down to the XXXX police station and told them about what happened, and the kind officer explained to me that I was the victim of a fraud case that has happened to many students before me. I also went down to XXXX XXXX Police Department to report the fraud case. 

The next day, Bank of America then took funds equivalent to the check ( {$1900.00} ) out of my checking account, as it turned out that the check was not a real one, and directly closed my account and could not help me with the situation.

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 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Credit Collection Services was asked to validate the said debt in the amount of {$330.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: AL

Complaint narrative:
On XX/XX/2019 I sent a valid dispute to Experian due to 22 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain, along with a postcard explaining the FCRA and their role directly violating FDCPA section 808 ( 7 ) which states communicating with a consumer by postcard is a violation. 

On XX/XX/2019 I mailed a 2nd request to Experian asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days. 

Experian has continued to violate my rights. First by ignoring my 3 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Experian updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Experian updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. Furthermore, they have decided to send communication to me via post card which once again is a FDCPA violation. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Experian did not comply with any of my 3 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.

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 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I made payments over the phone that BMW attempted to debit from the wrong checking account. I have called and spoken with phone reps who told me even though they made a typo that it is my responsibility to make my payment. I made my payment and they made an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Good afternoon, I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. 

THE BRIDGE CREST CREDIT ACCOUNT IN WHICH WAS A REPOSSESSION DISPLAYED AN INSTALLMENT AMOUNT OF : XXXX, IT OPENED ON THE DATE OF : XX/XX/2012. WHY IS THIS ACCOUNT STILL REPORTING NEGATIVELY ON MY CREDIT REPORT? I HAVE NOT RECEIVED ANY RESPONSES IN REGARDS TO THIS UNFAIR ACCOUNT. PLEASE REVIEW CAREFULLY ALL THE DETAILS AND REMOVE THIS ACCOUNT IMMEDIATELY, AS FOR IT IS GETTING IN THE WAY OF AN IMPORTANT PURCHASE I HAVE TO MAKE.

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 2019-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Flagstar Bank XXXX XXXX XXXX XXXX XXXX Michigan XXXX took over our FHA Loan. We were sent a 30 day notice that our mortgage increased to about {$700.00} above what we had been paying since our purchase in 2015.

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 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI

Complaint narrative:
Healthcare Revenue Recovery Group ( HRRG ). An agency claiming to be a Medical bill collection agency, are in fact a complete fraud and are stealing money. They have harassed me for months now. 

They are part of fraudulent entities within the continental United States acting as legitimate bill collectors, where they have harvested information from health providers. They collect the private user data and then use a company to produce mass mailers to collect the money In XX/XX/XXXX, I had a hospital bill that was paid ( late ) but directly to the Hospital. I started receiving letters and call from HRRG in XX/XX/XXXX. The latest letter being dated XX/XX/XXXX and a phone call 3 or 4 times a day since XXXX of XXXX. 

A simple XXXX search of this company will verify that they are a fraud. 

HRRG XXXX XXXX  XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX With a mailing address of XXXX   XXXX XXXX XXXX, OH 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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KXXXX 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