vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 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: TN

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX . There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MD

Complaint narrative:
The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Equifax. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MA

Complaint narrative:
I have disputed 4 times with all credit bureaus. XXXX, Equifax and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MA

Complaint narrative:
I have disputed 4 times with all credit bureaus. Experian, XXXX   and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.

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 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Monday XX/XX/XXXX I Talked to 3 people in this company who gave me little to 0 information and just asked for money. 

They said I had a balance of XXXX and would settle for less. 

Looked up company and it is a XXXX XXXX in XXXX Ohio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refused to permit me to apply for a loan modification in XX/XX/2016 and refused to give me any plausible explanation of why not, except to say I was not eligible. My other lender provided a loan modification without any issues or problems. 

Wells Fargo strong armed me to pay over {$7000.00} after my bankruptcy and never provided a plausible explanation. Wells Fargo then filed a Notice of Default forcing me to pay their demand in order to avoid foreclosure. Wells Fargo never rescinded the Notice of Default in the court record as required.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2019 My cell phone ( XXXX ) was ported over to a different carrier and many of my accounts were hijacked in an attempt to steal my identity. 

My XXXX account ( XXXX ) which was a recovery email was also hijacked. I am unable to recover my XXXX account. I have made several attempts to recover this, but am unable to speak to a human being to solve my issue. It's amazing that someone could steal my account that I've had for almost 30 years, and I can't prove that it's mine. 

I am unable to recover my EquiFax account. I have made several, unsuccessful attempts to recover both. Security questions that are asked for recovery have items that I can't answer because they're not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: FL

Complaint narrative:
I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit experian kicks back a message that the validated the information.its not feeling along with research that has been done that experian hadnt completed a thorough investigation into my complaints and Im begging for an intervention 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 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Equitable Acceptance Corp
State: MI

Complaint narrative:
Equitable Acceptance Refuses to Remove this Fraudulent account off my credit report I have enclosed my police report, I need assistance with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MN

Complaint narrative:
XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit Equifax is falsely reporting the above credit card, I have tried disputing it with Equifax however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: ERC
State: FL

Complaint narrative:
I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit XXXX kicks back a message that the validated the information.its not feeling along with research that has been done that XXXX hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
First off this debt was previously disputed and removed from my report, then purchased by Transworld System which by the way is not licensed in the state of Florida to collect debt requesting investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
We were sued by our neighbor for adverse possession, Freedom Mortgage chose to hire an attorney to protect their interest, they added the attorney 's fees onto our XX/XX/XXXX payment. We did not approve this fee and do not think we should pay it. They refused to remove it.

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 2019-10-07 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: TN

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: TN

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: MN

Complaint narrative:
XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit XXXX is falsely reporting the above credit card, I have tried disputing it with XXXX however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # 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 2019-10-07 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
Onemain Financial - XXXX - Balance {$2500.00} - Type : Auto Onemain Financial - XXXX - Balance {$1.00}, XXXX - Type : Secured This is not an auto loan like you have been reporting on my credit report. I have the original signed contract and it is a Secured Loan. Not only is the loan type incorrect you guys have this loan listed on my credit report twice. Once as an auto loan and once as a secured loan with 2 different loan amounts. 

Please remove the falsely reported auto loan off of my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORO OC, LLC
State: KY

Complaint narrative:
In 2017, I enrolled in a Public Service Loan Forgiveness Program through XXXX. I have made monthly payments for the past two years. On Friday I spoke with someone from the XXXX and was told that no payment has been made on my outstanding balances for over a year. I have no idea of where that money has been going. I emailed the contact person I had with XXXX and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/19 I sent XXXX $ from my XXXX XXXX account to cash app for the purposes of buying and investing in bitcoin. When the price of bitcoin dropped i attempted to purchase it, only to find out that my account was closed. I tried withdrawing my money only for all banks and cards added to be rejected by cash app. 

I contacted cash app as soon as i was aware my account was closed ( XX/XX/19 ) and was rewarded with an automated response and no reasoning. I again tried to contact them on the same day with no response. 

I waited to see if my bank or card would be accepted at a later date however, to this day all attempts to withdrawal my personal funds are rejected. I again contacted support on XX/XX/19 on both email and PM on twitter, twitter returned with an automated response letting me know theyll look into it. I was emailed a few minutes later with a response that the decision to close my account was final and instructions to recover funds. I again attempted to follow these instructions only for my banks and cards to be rejected yet again. Essentially this locked XXXX $ into my account which cashapp refuses to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is in reference to previously filed complaint XXXX. This issue has not been resolved by the bank as we are questioning the legitimacy of the operational practices involving potential violation of The Right to Financial Privacy Act and the rights for dual account owners. The company failed to communicate to both owners of the account properly. The company stated a county court order served as a reason for closing the account without notification. A county order does not overwrite the federal rules and regulations for financial institutions in the United States. In addition, the bank failed to conduct proper due diligence and protect the consumers ' rights from false allegations and injustice. 
As such, the bank acted in bad faith and the compensation for damages is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
This is the issue with my current student loan I have a balance close to {$25000.00} remaining on my loan its a federal student loan. I'm a former student at XXXX XXXX XXXX ( XXXX ) it was shut down because of fraud. Navient is the current provider of my student loan which is also facing litigation of charging students higher interest rates I believe my current loan of {$25000.00} should be forgiven because of of the two identities mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: UT

Complaint narrative:
I paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.

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 2019-10-07 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: UT

Complaint narrative:
I paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.

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 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: VA

Complaint narrative:
I received a letter dated XX/XX/2019 from North Shore Agency attempting to collect a debt. The amount has been fully paid to the originating company and the check was cashed prior to this letter being generated. When attempting to speak to North Shore Agency on XX/XX/2019, their system hangs up on you if you don't select make a payment. This is a fraudulent attempt to collect a debit that isn't owed and the company clearly is only interested in trying to take the money not to cease illegal collection techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife had sent me XXXX transfer in the amount of {$1000.00} to my Chase checking account. I even received an email from Chase bank that I received the transfer. 
However, the money never got deposited into my Chase account. 
Later we found out that the account that my wife sent to was a closed account, and she sent it accidentally. 

So, I spoke to both banks. 

My wife 's bank ( XXXX  XXXX XXXX ) said that they can't do anything about it because they already initiated the transfer. 

My bank, which is ( Chase bank ), said that they can not track the XXXX transfer, and they can't do anything about it.

Company response to consumer: Closed with explanation