vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 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 2022-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a loan XX/XX/XXXX DISBURSEMENT {$16000.00} I made payments totaling ( {$18000.00} ) with the last payment being XX/XX/XXXX. 

None of the payments were applied property to the account. The loan was sold off. I stopped paying the loan and making payments after speaking with Navient as to how my payments were being applied. 

I had {$470.00} in late fees over the course of XXXX years. 

From the report on Navient 's site I see ( {$3200.00} ) in interest over the course of the loan. 

Very quickly the amount should be {$16000.00} - {$18000.00} in payments XXXX late fees XXXX in interest = {$1800.00} should be the total I have called and called during normal business hours and they phone # tells me to call back during normal business hours. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: AR

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, 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 non-monetary relief
Consumer complaint received 2022-06-03 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: AR

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions

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 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
inquiry on my credit placed XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited checks I had given my brother cash for which totaled about XXXX. Because the checks were in my brothers name Chase FROZE THE ENTIRE BALANCE IN MY ACCOUNTS. I can not access any of my money. I cant pay bills cant get gas cant buy food. They refuse to unlock my accounts until I bring my brother into the bank. I could understand if they froze the check balance or REFUSE THE DEPOSIT BUT TO LOCK UP THE ENTIRE ACCOUNT ALL MY MONEY IS ILLEGAL IM ALSO FILING COMPLAINTS WITH THE BANKING COMMISSION AND NYS ATTORNEY GENERAL ... .. AND I WILL LET EVERYONE I GO TO COLLEGE WITH KNOW ON SOCIAL MEDIA NOT TO USE CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MS

Complaint narrative:
Refinanced property with XXXX XXXX - terms included no escrow. UWM bought the loan. UWM initiated escrow due to the fact they had no proof insurance because they didnt change the mortgagee clause when they purchased the loan. The whole administration of this process was botched. I have reached out to UWM countless times. They continue to remove an additional {$800.00} per month from my account for escrow which were not the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My father had his new debit card stolen and activated early XXXX. On XX/XX/XXXX he noticed purchases had been made at the XXXX store and XXXX about an hour away totaling over {$7000.00}. He closed that card and asked for a new one. That one was also stolen and used to make a {$2700.00} purchase at another XXXX store on XX/XX/XXXX. Wells Fargo has refused to refund the money or look into the charges as fraudulent

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 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC
State: NY

Complaint narrative:
Trinity Financial Services , LLC violated Regulation X by ( 1 ) failing to maintain a complete servicing file, ( 2 ) failing to obtain a complete servicing file from the prior servicer, and ( 3 ) failing to provide a complete response to a request for information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I filed a Identity Theft Report with the FTC and local police department. I can provide scans of both. 
I then, submitted a complaint with the CFPB against XXXX XXXX, who said theyd stop contacting me and stop trying to collect this debt ( due to the fact I do not owe it - it was the result of identity theft. ) They went away but then a couple days ago I received a letter from LVNV Funding Llc. stating they bought the debt. 
I immediately sent a certified letter on XXXX to LVNV Funding Llc. with the identity theft report, the data breach letters I received ( that resulted in my identity being stolen ), as well as proof of identity, and a dispute letter ( due to this debt not being mine ). 

Ive attached a photo of the letter mailed, my identity theft report, and other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Bogus collection accounts listed as other account on XXXX credit report. XXXX and XXXX has deleted these accounts however XXXX hasn't. XXXX says the accounts was verified. 
Portfolio Recovery Associate Acct # XXXX {$1500.00} Acct # XXXX {$2600.00} Portfolio Recovery Associate couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX and I have a critical issue going on dealing with Equifax. There are collection accounts noted on my account that are included in the documentation that I will upload that don't belong to me in which I filed an FTC report for. The information was removed across all 3 bureaus however, it has been 45 days since it was removed from equifax and they have sent me the conclusion of this information that it was removed from my report with my credit report. However, on XX/XX/XXXX recently these items appeared back on my report with no explanation or why these accounts are on my report which is a violation of numerous 15 USC Laws and FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
XXXX XXXX XXXX in XXXX, California, and Linebarger Goggan Blair & Sampson are trying to collect a debt from me that I do not owe. They have placed a hold on my son 's back account ( I am on his account, but it is his money that he earned from his job and can prove ). According to their records, I have a traffic violation from XX/XX/XXXX with my old California Driver 's License. However, I have lived in Illinois since XX/XX/XXXX. When I got my license here in Illinois in XXXX, XXXX of the requirements was that I had to surrender my California driver 's license. Which I did. In XXXX, I did not have a California 's driver 's license. Also, in XXXX I gave birth on XX/XX/XXXX to my XXXX child. I found out in XX/XX/XXXX, that I was expecting my XXXX child. In XXXX my husband and I purchased our home. I was not working, as I was a XXXX XXXX XXXX mom. Our finances were extremely limited, and we were not traveling. This is not my debt, and I have enough information to prove that. I would like my son 's money returned, as that is the money he works for, to help pay his college fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have disputed 2 inaccurate reportings on my credit report currently in collections multiple times. ( 8 times ) since XXXX. It was taken off on my last dispute back in XXXX of XXXX, then placed back on my credit report. I have not only disputed online with XXXX XXXX and with each bureau individually, and by phone several times but also written letters to all 3 credit bureaus asking them to please furnish proof with my signature of a contract that this is my debt owed to them. instead, they sent me a credit card statement with no contract or signature stating it is indeed my debt. The two debts in collections are with
Portfolio Recovery, 1 for {$980.00} and the other for {$410.00}.

The two that are being disputed are not even reported accurately amongst all 3 bureaus. According to XXXX, I do not owe any debt, and according to XXXX and XXXX I owe this debt. Also, XXXX took off the debt during my last dispute in XXXX and then placed it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive sent in 3 rounds of letters to dispute a few hard inquiries ( some duplicates ). I have never received any acknowledgment of my letters back from TransUnion. Anytime I call the customer service, they are extremely rude, very aggressive and refuse to investigate my issue. Ive been hung up on in the middle of conversations etc. These inquires are unauthorized and also unverified. I would like TransUnion to take me serious and fix this inaccurate information.

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 2022-06-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/22 at XXXX, I spoke to a Barclays Bank representative that identified himself as " XXXX XXXX on a recorded line. I attempted to make a payment and was refused by the representative. They then proceeded to lock me out of the account so I could not make an online or mobile payment. I have a recording of the company refusing to allow me to make a payment. They then reported late/no payment to my credit report and added late fees even though they refused to accept my payment information. My payment information was never collected to apply to the account even after I stated I am trying to make a payment and close the account. Then they decreased the credit limit, all negatively affecting my credit score which led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.

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 2022-06-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
unauthorized inquiry on my credit reports.company also company form of communication is not within means for consumers to dispute..company has inaccurate phone number

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
In XX/XX/XXXX {$240.00} was taken out my account through an atm without my approval or knowledge. I was at work from XXXX till XXXX, this transaction was done at XXXX. I have attached my timesheet address proof. The debit card was in my possession when this fraudulent activity was done without my permission. When I filed a dispute with chime on XX/XX/XXXX at XXXX pm they only took XXXX min to investigate it Didnt bother to look at my time sheet. Their company has history of doing this, they refuse to refund me and didnt bother to look at evidence given to them. They refuse to provide legal department information too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Wakefield and associates has continued to harass me and told me they would ruin my credit. Every month they continue to hit my credit report, lowering my score even further. I get relentless calls and letters when I have asked them to stop. They also ignore the fact that my entire income is social security XXXX and Im barely surviving as it is. I also suspect this bill is an old medical bill that the VA is responsible for for. Im a XXXX veteran and the VA pays 100 % of my medical bills but sometimes clinics, doctors etc dont want to just thru the government hoops or file in a timely manner so they stick the debt in my credit. Ive also suffered a national natural disaster and have been XXXX since hurricane Sally XXXX XXXX. I have absolutely no means to deal with this debt. Im XXXX and on a fixed income. Im also having a hard time renting because Wakefield constantly hits my credit monthly lowering the score. Im so despondent I cant function. I need a home and a safe place to live and this company seems driven to deny me that. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
We started a XXXX XXXX  XXXX in XXXX in hopes to save our home. After trying to make the large payment on the XXXX we came to terms that we just couldnt afford it, so all the debt that was Included in the bankruptcy was now back on our credit except now they are showing the bankruptcy as well, but we never went through with the bankruptcy so how can my credit show all of the debt and the bankruptcy when we never got the benefit of the bankruptcy.

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 2022-06-03 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: TX

Complaint narrative:
I have discovered fraudulent and inaccurate information on my credit report, also I have an identity theft report with the FTC.gov department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TX

Complaint narrative:
I have discovered fraudulent and inaccurate information on my credit report, also I have an identity theft report with the FTC.gov department.

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 2022-06-03 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

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