vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergence is trying to collect with written threats on an account that was dissolved & reallocated to 2 other accounts and subsequently paid.

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 2020-06-01 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 2 collection bills that I settled and paid with the companies. XXXX  and XXXX  Credit Bureau updated and removed from my credit report ; however Equifax is still reflecting an outstanding balance for these 2 collections. 
On XX/XX/2020 I made a settlement payment with both collections : Opened XXXX XXXX XXXX XXXX   XXXX  $ XXXX Settlement {$600.00} Opened XX/XX/XXXX XXXX $ XXXXSettlement {$78.00} I have receipts and statements to show payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: PA

Complaint narrative:
To Whom It May Concern, I disputed an account reported by Transunion in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-06-01 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: WA

Complaint narrative:
Equifax  ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-06-01 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: AR

Complaint narrative:
My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC
State: OH

Complaint narrative:
They have called me several times. To be specific XX/XX/20, XX/XX/20 and today XX/XX/20. They were harassing me asking me for my personal information such as address, date of birth etc. I asked them why they are calling and they would not tell me unless I gave them my personal information. The guy got an attitude and cursed at me. I asked them to quit calling me the first time but they did not. They also have called me in late hours of the night.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NJ

Complaint narrative:
During Covid-19 we received a letter from XXXX XXXX  stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, XXXX had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. XXXX classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.

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 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
We have our current mortgage through Guild mortgage, and are in the process of buying a new home. 

I called on XX/XX/XXXX and was assigned XXXX XXXX as our loan officer. After the initial consultation me and my wife completed and submitted our application. 

XXXX was extremely unresponsive. He never answered his phone, would take days to respond to emails, and refused to ever respond to any correspondence sent from my wife. 

After almost a month he finally offered to lock in my interest rate, now significantly higher than what was originally offered to me. 

On XX/XX/XXXX he sent over an agreement to sign. This form had my down payment at {$5800.00}. The monthly payments were much higher than we had discussed, but we had also discussed a {$10000.00} down payment. I asked XXXX to let us know what our payments would look like with a larger down payment. The payments didn't decrease by much, so I told him to just go with the {$5800.00}. At this point he let me know that FHA require a larger down payment. 

At this point I really lost my confidence in letting this guy handle a process that would affect me for the next 30 years. I spoke with my agent and she recommended a different company. Our current loan officer was very responsive and enthusiastic so we decided to switch to them. 

I let XXXX know that we would be switching on XX/XX/XXXX, and have have received no further correspondence from him. My current lender is Moving forward with our loan process, but needs XXXX to release our FHA case number so that he can move forward. Calls and Emails from the mortgage company and myself have all gone unanswered. I feel like he is holding our loan hostage, whether maliciously or through negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
Second Round Limited Partnership and XXXX XXXX XXXX XXXX tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, Second Round Limited Partnership didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Purchaser is incarcerated and this is being submitted by his father, who has power of attorney over the purchaser 's affairs. Purchaser has never qualified for a loan without a cosigner in his life. He has heavy debt and is behind on child support. He was likely inebriated when the purchase was made. Somehow the XXXX XXXX XXXX Dealer in Missouri took possession of a XXXX as a trade-in, sold Purchaser a XXXX  XXXX XXXX for {$26000.00} and also issued Purchaser a {$30000.00} loan which was financed through Chrysler Capital. No doubt fraud was involved as no one can explain how this was legal. 

Purchaser never made a payment and was XXXX. He signed a power of attorney to his father. The father faxed the POA to Chrysler Capital months ago but Chrysler will not send the father the paperwork, return his calls, or explain how this loan ever got issued in the first place. He would like to return the car but can not get instructions on how to do this. A friend of the family who is an attorney has contacted the company but can not get answers either. The father is NOT a co-signer or co-purchaser but there was no other option on this electronic form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On numerous occasions, I have tried to connect my online savings account from XXXX and connect it with my long established PNC checking account. PNC denies access every time and XXXX has tried working with PNC and yet they still refuse access. I cant have my savings transferred to my checking in times of need, nor does it allow me to make regular deposits from my PNC checking account to my high interest XXXX  savings account. PNC offers no savings accounts with the amount of interest I get from XXXX XXXX, the only way to deposit money into this account is virtually, which makes it impossible for me to do if PNC wont grant access to connect the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 I closed a Wells Fargo credit card. 
I found out recently when i went to refi that Wells Fargo did a write off for XXXX that caused my credit score to drop 100 points. I've always had an excellent credit rating. I didn't even know there was an outstanding balance. 

I contacted Wells Fargo saying i don't know what this transaction is they wrote off. they investigated it as fraud and determined it was not fraud and closed the investigation. they indicated that on the card i closed, i did a XXXX cash withdraw from the card and put that into my checking account. That transaction had a XXXX fee and then interest. I failed to pay the balance over a course of several months and they wrote off the balance. They said they sent me hard copies of the statements. I do not pay attention to my postal mail. I have all of my Wells Fargo accounts set to electronic delivery. I never got anything electronically. In addition, the account did not display along with my other Wells Fargo accounts. If it did, I would have seen the open balance. I have over XXXX in my Wells Fargo accounts. Why would I have ignored a XXXX balance. Plus, if Wells Fargo actually looked my my transaction history, I do not do cash withdraws from credit cards. Any why would i do a XXXX that has a {$10.00} transaction fee. I then went to Wells Fargo branch and they escalated to another group. That group reviewed my situation and said they would remove the late fees and the XXXX transaction fee. I went up to Wells Fargo and paid the {$27.00} balance immediately only to find out that they would not change the credit entry. The rep at the branch will send me some documentation. He says he can see a sequence of events on the card. I cleared my rewards points totaling almost {$100.00}. then the {$27.00} transaction then the closure of the account. All on the same day. If i did this {$27.00} transaction, I did it by mistake. I probably grabbed the wrong account to do an online payment. they are penalizing me severely for something that truly is a mistake on my side or theirs. I do not recall getting any hard copies of the statements. The account did not appear on my online banking. I'd like to find a way to reverse the credit rating so i can pursue refinancing as i planned. Refi can save me {$150.00} a month at my good credit score. the banker i work with was just as surprised as he worked with me 6 months ago and new what my credit was high scoring. any help is greatly appreciated. 

I've attached some documents the agent at Wells sent me. I absolutely do not recall the past due letter.

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 2020-06-01 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: PA

Complaint narrative:
To Whom It May Concern, I disputed an account reported by XXXX  in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Sent a wire transfer to my parents, the wire transfer was rejected by their bank ( Bank of America ) and returned. But first with a {$45.00} deduction from BofA. No idea why it was rejected by the fee was deducted without haste.

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