vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 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: Early Warning Services, LLC
State: FL

Complaint narrative:
its accounts being reported on my XXXX XXXX and early warning report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
its accounts being reported on my Chex system and XXXX XXXX report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal 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 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My recent credit scores from TransUnion and XXXX revealed a 50 point difference. My TransUnion score is XXXX and my XXXX  score is XXXX. Theres no logical reason for this drastic disparity. I called TransUnion and received a scripted explanation. Both agencies have records of my joint credit accounts with an ex-spouse and my individual accounts. Not one of my individual accounts has ever been paid late, usually early and usually in full month to month. I can understand a difference of a few points, however not 50! I have been diligent over more than 12 years to remedy my personal accounts in spite of payment disparities caused by my ex-spouse on two joint accounts. I recently closed a XXXX credit account which I always paid on time. Is the score from TransUnion my reward for my financial diligence and care?

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 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
XXXX XXXX and their collection company, Convergent Outsourcing continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted XXXX XXXX and Convergent Outsourcing, but this account still has not been removed from my credit report. 

I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.

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 2019-12-27 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: TN

Complaint narrative:
CREDIT WAS APPLIED FOR IN MY NAME THAT WAS NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
Swiss Colony and their collection company, XXXX XXXX continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted Swiss Colony and XXXX XXXX, but this account still has not been removed from my credit report. 

I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent {$250.00} on XX/XX/XXXX from my bank of america account through XXXX for a purchase for a speaker system. I later found out that the speakers given to me were fake knockoff speakers and that I was scammed. I called bank of america within 30 minutes of this happening thinking the faster I reached out to them the easier it would be to reverse the transaction. It has almost been a month with no updates on this and I do not understand why it is so hard for them to reverse this given that I was the sender and informed them that it was fraud. I called bank of america to reverse this immediately on XX/XX/XXXX when I sent it yet in another image of the zelle transfer authorization it said that it was transfered on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to request your help. My rights as a consumer are not being respected. I tries to solve this issue with Wells Fargo in the past but they keep on reporting a fraudulent item to the credit bureaus. The account I am talking about is the following : WELLS FARGO DEALER SVC # XXXX. Date Opened XX/XX/XXXX. Original Balance {$11000.00}. Status : closed.

Wells Fargo received a letter from me back on XX/XX/XXXX ; in which I requested the lates that are consequence of FRAUDULENT CHARGES to be removed. They did not send me any notice and they are still reporting the item. They are committing multiple violations to the FCRA : negligence, unfair business practices, breach of contract, incorrect credit reporting.

This situation is affecting my mental health in a huge way. I am demanding a deletion letter from Wells Fargo so the lates on this account get removed from my credit report. If Wells Fargo fails to provide the deletion letter, I will not hesitate and will file a lawsuit. I am sure that one I talk to my attorneys ; the list of violations will go up.

Attached letter sent to WF, which they ignored.

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 2019-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Attention Consumer Financial Protection Bureau, My husband and I were looking into refinancing our home through XXXX XXXX  XXXX. On Tuesday, XX/XX/XXXX we found out that there was a lien put on our mortgage. We did not know about, nor were informed about this lien. The original mortgage was created in XXXX for {$250000.00} with XXXX XXXX  and was assigned to XXXX XXXX and that mortgage was discharged on XX/XX/XXXX. In XX/XX/XXXX we refinanced with XXXX XXXX. XXXX XXXX assigned our mortgage to Bank of America on XX/XX/XXXX. On XX/XX/XXXX Bank of America created an FHA Partial HUD lien on our home for {$53000.00}. They had only owned our mortgage for a month from XXXX XXXX. We did not borrow money in XXXX or XXXX against our home. We do not know why we would have a lien put on property after 30 days on an amount we already paid. 
The other concerns that we have are the signatures for the lien and modifications. All the signatures are from XX/XX/XXXX when we signed paperwork for XXXX XXXX  NOT for Bank of America. 
The second issue is with the two modifications dated XX/XX/XXXX and XX/XX/XXXX. The signatures are also from XX/XX/XXXX. Once again, these signatures were before Bank of America owned our mortgage. The other concern we have is after the signature pages are notaries from Colorado and Texas that we were not present nor met to acknowledge this modification. 
My husband and we were behind on our payments during the Summer of XXXX. However, Bank of America set up our payments to be added to the end of the mortgage was in the amount of {$9700.00}. Bank of America assigned our mortgage to XXXX XXXX on XX/XX/XXXX. The deferred balance shows on our monthly mortgage statement. This modification was the only part of the mortgage we agreed to. The mortgage assignment also shows XXXX XXXX XXXX XXXX Attorney did not do their job. Since there is a lien on the property and not noted. Please investigate the entire situation and look into questionable issues and actions regarding these individuals, notaries and institutions regarding these changes. Please keep us in your investigation loop. Thank you. We are appalled that our signatures were used in such a questionable way. We would also like to see a " wet copy '' of our mortgage. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 explanation
Consumer complaint received 2019-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I submitted a dispute with Transunion online regarding an inaccuracy on my credit report XX/XX/XXXX. I have not to date received any result or response regarding the status of this dispute. I contacted Transunion by phone XX/XX/XXXX regarding having this information removed as I verified online the dispute was not complete. I spoke with two representatives, the first which said she was not authorized to remove the information. I then requested to speak with someone who was better able to assist me. The second representative " XXXX XXXX '' stated the dispute was completed XX/XX/XXXX and was mailed. However, this information contradicts what the first representative stated saying she could not update the report due to the dispute not being completed in time. I then asked Ms . XXXX why the dispute status was not updated online and she could not say. I also requested she email me proof of the completed dispute dated XX/XX/XXXX in which she said she could not do either.

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 2019-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veripro Solutions Inc.
State: DC

Complaint narrative:
Good Evening Mr. XXXX XXXX, According to the recorded conversation this evening, XX/XX/2019, Veripro Solution decline electronic payment of {$6200.00}. 
I am disputing this debt, ( interest ) Veripro Solution did not provide a balance due until XX/XX/2019due to policy which has not been shared and as result the new owner has enforced interest. 

I would appreciate a letter from Veripro Solution stipulating policy below ; " That is because it is our policy that we dont issue statements unless there is a promise to pay. This reduces the amount of unnecessary paper being sent to our customers. We do not provide policies in writing to our customers, hence why you do not see it there on the document ''. 


Thanks XXXX XXXX XXXX. 

I met the terms of 12months payment, with a $ XXXX credit, however Veripro Solution In.c refuse to provide me my new balance for future payments until XX/XX/2019, due a policy. I've asked several times for the policy to be shared, it never was, with new owner. 
Debt clock has reset, enforced interest rate, and lien on home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Throughout the months of XXXX and XXXX I diligently started working on my credit profile and monitoring the activity on it to make sure I could rebound as efficiently as possible from my past missteps. I noticed an old account on my report from XX/XX/XXXX on my report that was purchased by XXXX , XXXX. The date showed ( XX/XX/XXXX ( 4 yrs, 8 mos ) ) in the amount of ( {$640.00} ). On XX/XX/XXXX, I contacted XXXX , XXXX to get clarification ; a female representative kindly addressed my request to provide me with all the dates associated with their collection account. She provided me with the following : ( 1 ) Date of origination : XX/XX/XXXX ( 2 ) Date Delinquent : XX/XX/XXXX ( 3 ) Charged Off/Canceled : XX/XX/XXXX ( 4 ) Date Purchased ( by XXXX , XXXX ) : XX/XX/XXXX ( 5 ) Date Updated : XX/XX/XXXX I immediately contacted XXXX  to alert them of my conversation with XXXX , XXXX and the erroneous information and within ( 7-10 ) business days, my report was updated and the collection was removed from my XXXX  credit profile. I then contacted Equifax and followed the exact same process, it took them ( 20 ) days but their investigation yielded a less than satisfactory outcome and their explanation was very half-hearted and they insisted that the subsequent burden of proof lie on me not them. 

I have since located emails that correspond with the date of the ( XX/XX/XXXX ) reported delinquency that the XXXX , XXXX representative gave me over the phone. The date that they [ XXXX , XXXX ] are reporting is false and I feel that they are wrongfully taking advantage of me as a consumer by manipulating their reporting data in effort to keep this collection active.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is reporting a late for XX/XX/XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: TX

Complaint narrative:
I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******

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 2019-12-27 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: TN

Complaint narrative:
CREDIT WAS APPLIED FOR IN MY NAME WITHOUT MY AUTHORIZATION

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 2019-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After numerous attempts and sending all documents in for the last year the credit bureau Equifax and XXXX refuses to delete fraudulent names and addresses from my credit reports. My name is XXXX XXXX XXXX XXXX  XXXX and my address is XXXX XXXX XXXX XXXX , NC XXXX and they refuse to delete all other fraudulent names and addresses as requested. I have raised concerned with them that this is fraudulent activity and wanted it investigated because it had to be from Equifax data breach of people credit profile being hacked and they still refuse to delete these fraudulent names and addresses!! and XXXX also has refused to delete the same

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Around XX/XX/XXXX, someone located at XXXX XXXX XXXX  XXXX XXXX, XXXX, IL got a XXXX XXXX account/service in my name ( XXXX XXXX ) fraudulently. 
In XX/XX/XXXX I received a notice from Credit Collections Services ( XXXX XXXX XXXX, XXXX, MA XXXX - file # : XXXX - phone # XXXX ) stating that I owed XXXX XXXX {$450.00} for electric services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me a bill to my address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ). I never gave anyone permission to get this service in my name either. I have filed a XXXX police report & a IOG - Fraud Report concerning this incident. I sent/faxed these reports to the credit collect bureau along with my proof of address. They claim they don't have all of the information & requested my SSN & DL numbers, which I refuse to provide to them at this point. I am working with XXXX XXXX to squash this issue now. Credit Collections have put this on my XXXX  credit report ( XX/XX/XXXX ). XXXX XXXX # XXXX. I wasn't sure of the address at the time I filed the reports, but recently I received the address from CCS via a itemized XXXX  XXXX bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation