vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE 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 explanation
Consumer complaint received 2019-07-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom this may concern. 

I have opened an account by Wells Fargo, and I am very unhappy. Please see below for the issues that I am having with them : When I applied for a business secured credit card, I was told that it has an automatic system that will upgrade to a unsecured credit card after 6 months, by making a review on my account. I have my secured credit card for almost a year, and I was never upgraded. In the meantime I was approved for a other business credit card. When I was researching how there policy works I found on XXXX XXXX that almost no-one was upgraded from a secured to an unsecured credit card. I know that I have a good score, I was approved for several unsecured credit cards without any issues, and I pay my bills in time, therefore I cant see any reason why I shouldn't get my unsecured credit card by Wells Fargo. The only reason why I didn't get upgraded to an unsecured credit card is because this whole thing is a scam, it doesn't begin to be true. 

My wife by mistake made a purchase by XXXX XXXX XXXX, and I did not give permission, or even know about the purchase. XXXX XXXX XXXX does not have a return policy, so I went and disputed the charge by Wells Fargo, since I know that they are supposedly responsible for any charge that was done without any permission from the card holder, part of their policy is : " I have zero liability protection= that you are not responsible for any unauthorized transaction when you report them promptly ''. After a month of going back and forth with them with no customer service at all, they sent me a letter that it was declined, since the merchant showed that I did not follow the merchant cancellation policy, and I received the tickets. Yes i did receive the tickets, but it was never used since we couldn't even get any use out of those tickets, because it was ordered in error. I called them again and they told me that the only thing they can do is that I need to fill out a letter for declaration of claimant for fraud, but this was a purchase made in error, and it was a miss understanding, so claiming a letter about fraud won't help me because this wasn't a fraudulent charge. 

When I reviewed all the complaints on CFBP I saw that most complaints are on Wells Fargo, and there is a reason for that. They abuse, lie, and fool their customers in a way that all we can do is surrender. I am asking you to please look out, and see how many people are complaining about this bank. You are the only ones that can help us at this point.

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 2019-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Mortgage was on a hurricane monitoring and was sold to another lender they knew that we were in this hurricane monotheism and we did a modification but they reported that we had late payments when we never did and we were assured by HUD and our previous lender that nothing negative would be reflecting in the credit but they have yet to remove it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
This is the second time Pacific Credit Services and/or their client/affiliate sent false information to all 3 major credit bureaus, the information was then attached to my credit report saying i owe a amount of {$7400.00}, which caused negative remarks on my credit report which caused my credit score to lower drastically. I have never in no way been associated to Pacific Credit Services or their affiliates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have always been in good standing with the company. I went to reopen my card and was denied saying it was because of my credit. At one point I was upgraded because of my payment history where I had been making my payments on time. I feel that I am being discriminated against especially since my account has been in good standing.

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 2019-07-25 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: Credit Plus Inc
State: CA

Complaint narrative:
On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including Credit Plus to report the error with no response. I found later that my XXXX report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from Credit Plus about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
StateFarm bank told me that they would remove the late payments on the loan due to that we had paid the loan months in advance and we didnt know that it went into principal it was a misunderstanding and was told that they would remove the late payments from the credit bureau but still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
These accounts do not belong to me. I have been disputing this for a while. I have attached my id theft report please delete these accounts. I am a single, struggling, middle class father. These accounts have caused me a lot of unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: VA

Complaint narrative:
This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX  has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( Experian, XXXX, and XXXX  ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.

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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
This is in continuation of complaints XXXX, XXXX and XXXX. By now, I very well know that I wont get a single penny back from you guys but I wont let you guys off the hook easily. Reason being you guys are so manipulative since the start of the loan process and even now after 3 complaints, you guys are still doing what you are best at i.e., to manipulate the numbers. 

I am not XXXX, the first time you explained the tax credits I got it at that time only and never asked any questions regarding that. And now when you told me that {$500.00} was adjusted against the initial deposit, I wont ask a question on that also. But that {$1000.00} amount which you are telling me is the estimated lenders title policy adjustment credit that is nothing but a blatant lie. In the attached initial estimate, there was no such amount mentioned then how did you come up with that number. There is one amount of owners title policy of {$620.00} but the credit of that is already applied in the estimate which is not a part of adjustments and credits. 

I am saying it again that I know it very well that I wont get a single penny back from you guys because you guys are only interested in coming up with a new story everytime and repeating the same things again and again. If you would have read my complaint every time, you would have not explained the tax credit everytime as I never asked that question except the first complaint. This lenders title policy adjustment was never mentioned in the first 2 complaints and now you floated this term in 3rd complaint. So all I want to know now is what was the calculation logic behind that {$1000.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
XXXX Collections has been trying to collect a debt originally from XXXX XXXX that they outsourced to XXXX. I was never involved in the accident and these people keep telling me that they will get me fired and have my license suspended and they know people in the DMV. They call me 3 to 5 times a week Monday through Friday. They yell at me and cuss me out. I am scared they will call my employer and then they even said they will get me thrown in jail if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage company had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!

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 2019-07-25 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: VA

Complaint narrative:
This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX  asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in XXXX v. XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, XXXX, and Transunion ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.

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 2019-07-25 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: VA

Complaint narrative:
This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, Equifax, and XXXX ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX company had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and XXXX XXXX to notify them of the double charge. Somewhere along the road both my bank and XXXX XXXX   reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the XXXX XXXX   payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!

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 2019-07-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!

Company response to consumer: Closed with explanation