vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: FL

Complaint narrative:
I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2022-02-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX XXXX- XX/XX/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 2022-02-23 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: PDQ Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX, GA ) has been reporting an invalid debt on my credit reports for several years. They did not respond to my initial debt validation letter and have never responded to any of my information requests. There is no evidence from PDQ Services or the original creditor, XXXX XXXX XXXX ( XXXX, GA ), that the monies claimed to be owed are accurate. 

This debt is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MN

Complaint narrative:
I have been calling Transunion and speaking to the fraud department and account specialist for months in a row and my problem is still not resolved! There are multiple inquiries I do not recognize/ deem fraudulent and transunion has been no help. I have satisfied all their requirements and contacted the lenders who are reporting the inquiries and all of them confirm they are unauthorized and just re direct me back to transunion. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not do business with these financial institutions and they are violating the FCRA with these inquiries. I am trying to get a mortgage and due to these violations I am unable to move forward with me life. I need all of them to be removed immediately. This is my 3rd attempt to correct this problem, if not resolved I will take my luck to pursue legal action is claims court.

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 2022-02-23 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX ( Finance ) - XX/XX/2021 XXXX XXXX XXXX ( Finance ) XXXX XX/XX/2021 XXXX XXXX XXXX ( Auto XXXX XXXX XX/XX/2021 -XXXX XXXX- XX/XX/2021 -XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX ( Finance ) - XX/XX/2021 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 2022-02-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX- XX/XX/2021 -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AZ

Complaint narrative:
Direct express does not want to give me my money for the whole year of XXXX and 1 month in XX/XX/XXXX in total 13 month of SSI and SSDI payments they issued out three direct express cards to who knows who but some how got my idenity and ordered new cards and swipped out XXXX but I'm the one who giving inaccurate info and they don't want to even do there investigation rite so I'm owed 13 months of money I never saw used my information has always been updated with a bank account and now I get all these issues and no real solution to my money credits just a total shut down I sent papers the same they sent me and still nothing has come upon I need to find somebody who enforce these people to release my funds I'm a victim of identy thieft and fraud with a government agency

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-TRANS UNION XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX -XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/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 2022-02-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -XXXX  XXXX XXXX  XXXX- XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
On XX/XX/2021 XXXX  XXXX  Services a vendor with my servicing company Community Loan Servicing removed the lock on my front door after deerming my home unoccupied. I have filed XXXX complaints and still don't have a clear answer to the main question. So I am asking again. How did my home get classified as vacant without attempts to notify me? How many times was attempted contact made and by whom? What time of day? Were materials left and if so where did the inspector place them? When was community loan servicing notified that property was vacant and did anyone try to contact me to confirm? I want dates and times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
XX/XX/XXXX, I contacted XXXX XXXX  and XXXX XXXX to work on a mortgage loan, obtained pre-approval letter. XX/XX/XXXX, contract signed for new construction. I provided XXXX XXXX  with documents requested. Paid {$1500.00} to secure the construction contract. Home was scheduled to be finished, close date of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX left XXXX XXXX, my file was not worked. Then I was asked to pay {$590.00} appraisal fee and other out of pocket expenses. XX/XX/XXXX, XXXX XXXX  unofficially closed my file. XX/XX/XXXX, contacted XXXX XXXX at Movement Mortgage for help. I was promised help, lied to about close date. When in actually no submission was made to XXXX  XXXX  nor XXXX  on my behalf. My family was rendered XXXX  because of the false expectations set my XXXX XXXX. I had to live in a hotel. My apartment lease was expired and not available for renewal as I had already submitted a vacate notice expecting to be in my new home. XX/XX/XXXX, construction contract was terminated by the builder. It was then I found out that XXXX XXXX lied about my loan progress. I'm financially crippled by her incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
During the XXXX school year I lived at the XXXX XXXX  XXXX  XXXX. During this time the management repeatedly would try to notify me that I had broken the lease and would need to pay additional fines. The issue was when I asked for evidence of me breaking the lease, I was only given my lease with the sections highlighted. Come XX/XX/2020 and I return home during the COVID breakout, during this time I learn my room has been cleaned out and I've been evicted, without a notice, during a nationwide freeze. 

These fines get reported to a debt collector and when I ask for evidence that these debts are legal and not just my landlord going crazy with a highlighter all I got again was my lease with a highlighter on the sections. Nothing with any legal weight. I then reply to them saying I hadn't broken the lease and get back no reply. I send XXXX more letters asking for a reply. I get no reply. During this time, I filed a dispute with XXXX. XXXX just checked that's my name is accurate. not if the actual debt is accurate. which is useless. This landlord literally just made up me breaking a lease. No evidence??? An eviction during XX/XX/2020??? I will keep fighting this blatant illegal operation.

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 2022-02-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX XXXX  XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A different address was added Also a personal loan has reported delinquent XXXX  times Ive paid them in small payments but they are still reporting

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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
USBank Home Mortgage is about to steal my home through Fraudulent Foreclosure. 

Before I found out about their fraudulent activities I fell behind on my payments due to loss of my job. I contacted XXXX XXXX and he failed to show up in court so the mortgage company got a judgment in default. 

I tried repeatedly to obtain a Loan Modification after my finances were back on track. They denied me multiple times. I gave permission to a friend of mine to make a Loan Mod request on my behalf and again USBank denied it. 

I hired XXXX XXXX ( a Loan Modification firm ), and again USBank refused to grant the request. I used a non-profit company called XXXX to request a Loan Modification on my behalf and they too were unable to get any cooperation from USBank Home Mortgage. This is a desperate plea for help because I can not afford to lose my home and end up on the streets at XXXX XXXX XXXX. I need your intervention. I can prove the fraudulent acts by USBank Home Mortgage and its Officers. Please help escape a Fraudulent Foreclosure. I can not sleep at nights, I can not breathe sometimes, I can not eat or think straight sometimes.

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 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
This company charges you taxes on the loan payments. This is in addition to the taxes paid on the original merchandise order the loan was for. They also do not charge you on the days you input for payments, resulting in insufficient fund charges and late fees. Went to pay it off. The balance went from {$530.00} to {$1000.00} in a week. This is outrageous. And the tax on a payment of {$600.00} was {$51.00}. This was almost double what the tax was on the original order alone. The XXXX XXXX XXXX make it sound like the tax is ONLY on the merchandise order. Not each loan payment. They are very predatory! They also do not answer the calls or chats. Chats will say they are closed and goodbye and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
PLEASE HELP!!! 

I have tried numerous times to reach out to both the so-called collection agency Sunrise Credit... as well as, all three credit bureaus ( XXXX, XXXX, and XXXX ) to remove this fraudulent debt from my XXXX credit reports. 

This unknown and erroneous debt has tremendously, unfairly, and wrongfully decreased my overall credit score!!!

I have yet to receive any signed/written proof, verification of what the debt actually is, nor lack there of, however, every time I see this debt reappear, which just arose a few months ago, the amount owed continues to fluctuate... go figure .... 

I simply can not afford for an erroneous debt and credit agency to ruin my credit and my livelihood.

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX of XXXX, I received a bill from Comenity bank XXXX XXXX for {$80.00}. Because I paid this bill late by mistake, I was assessed a late fee of XXXX I called them some time in XXXX to ask them if as a one time courtesy, they could remove the late fee. The customer representative then told me that she would cut the late fee in half, which would leave me a balance of XXXX}. I paid the {XXXX} through my bank immediately and never received any other statement from them. 

On XX/XX/XXXX, almost a year later, I received a letter from Comenity asking for {$120.00} without any explanation for that balance. They closed my account and turned it over to XXXX XXXX XXXX. They waited almost a year before contacting me, turned my account over to XXXX agency. I havent received any other statement since XXXX of last year. 

If I understand well they never gave me that half credit for the {$29.00} late fee added in XXXX of XXXX. Instead they have been adding late fees after late fees on the about {$14.00} balance for XX/XX/XXXX. I have not received any bill from them since XXXX of XXXX. This is ridiculous and pure theft. This bank has a D rating with the better business bureau. They are downgrading my credit score which was over 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX of Bitcoin Scammers and Crypto Ideology ( the Fraudsters or Scammer ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of yours, owner of a wallet committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX6 BTC utilizing Kraken services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
1- Because of the COVID-19, federal government allowed bank to not to collect mortgage payments for 6 month.

2- When that time ended, WELLS FARGO put us, the owner of the house ( XXXX XXXX XXXX XXXX XXXX  PA XXXX ) in a corner : Either pay the 6 months ( {$17000.00} ) back at once, or the bank will take the house back. Since the 6 months ended, we resumed monthly payments, never missed one. 3- We
asked WLLS FARGO to just increase the monthly payments until we catch up with the balance. Bank insisted on taking the house back. Bank is doing now the paperwork to take the house back.

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