vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There is an account that is being reported on my credit score. The account does not belong to me. The bank of america confirmed that they do not have any account on my name or with my SSN. XXXX   and XXXX  keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.

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 2019-11-26 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: NJ

Complaint narrative:
There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. XXXX   and Experian keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.

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 2019-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX continues to reopen an old account that had a balance on it, it has been taken over time and time again by every debt collector there is but none would correct errors and a majority of the records do not even exist anymore making it impossible to recreate and/or prove or disprove anything on the account, but because it is over the reporting time on the credit report XXXX  XXXX will reopen it with a balance to make it look like it is still active, many times for a month, then report that a payment was due and it has an active balance, I have asked on many occasions to have it removed and then it will show active again, both XXXX  XXXX and Experian are guilty of not removing this according to the law.

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 2019-11-26 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: CA

Complaint narrative:
To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.

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 2019-11-26 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: CA

Complaint narrative:
To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
While I had this card, I was going through a really tough time in my life. I had lost my grandfather ( who was my father figure all my life ) then I had to check in to XXXX  because I was having trouble dealing with my grandfather 's death. I was hoping that they could forgive me because I went through a life-changing hardship. It was due to this fact that i became so behind on my payments. I am hoping for this chance so i can start over and start building a better credit score for my future. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I have credit monitoring services with several different companies. After the credit bureau data breach, I received notice that my identification information has been identified as listed on the black web. I am ill, I am having a battle with XXXX, and did not and could not have authorized this account. Someone acting as myself has taken this account in my name for their own benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The below complaint was filed yesterday, replied to today. However, I am unable to view their response, the link does not work. The CFPB rep stated she could not mail or email me a copy of it, I have copied the complaint below which I updated.. 

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution. I also request a copy of any cashed check Wells Fargo refers to in amount of {$3700.00}.

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 2019-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
Mid America Mortgage changes payment processing handlers. They did it again. Sent letter telling me they changed and to expect new account number in the mail. Nothing has come by mail, call number provided and you hang on for HOURS. XXXX Payment expected on the XXXX of XXXX. 

They change loan payment handlers frequently. Lost my escrow from XXXX XXXX several yrs ago when they changed hands. Apparently Mid America doesn't do audits. They shouldn't be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX FRANKLIN COLLECTION Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious FRANKLIN COLLECTION  Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
In XXXX XXXX, I received notification of a judgement, from XXXX, on my credit report. I tried several times to dispute the amount of judgement. Several months later, I received a letter from Portfolio Recovery Associates, LLC informing me that I can pay a lesser amount to close the account. 
On XXXX XXXX, I sent an electronic check, from XXXX, for {$450.00} to close the account and have it removed from my credit report. Its still there to this day. I have chatted and called several times asking why this account is still open? I get the same answer claiming that they don't have any detail that a payment has been made. 
After my last call, this morning, and getting the same answer. I called XXXX and a representative verified that not only did Portfolio Recovery Associates, LLC did receive the check, but also cashed it the day it was received on XXXX XXXX. I'm trying to purchase a house and this judgement is still in the way of my credit score improving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: GA

Complaint narrative:
I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XXXX  and Equifax in the mail around the XXXX of XXXX, a credit report from XXXX  and a letter from Equifax ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from XXXX XXXX on XXXX XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: GA

Complaint narrative:
I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from Experian and XXXX  in the mail around the XXXX of XXXX, a credit report from Experian and a letter from XXXX ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from XXXX XXXX on XXXX XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XXXX my wife an I have learned that she will be having a reduction in hours at work. I started to research my options by trying the following : -Refinance with another bank -Refinance with my existing back as they have been overwhelming me with offers.

When I when through the process of refinancing and had my credit pulled they offered me a rate that is not only over 3 points higher than the market rate but is 2 points higher than my rate. So i turned down their offer. Since then i have been trying to do a loan modification.

They sent me an application and i submitted all the documentation required. This started a long process that went in the following order - On XX/XX/XXXX I received a call stating that my application was complete just my name was not clear - Sent in revision that same day XXXX was received a letter stating they needed a hardship letter even though it was not required if i submitted a bank statement according to their application. I sent everything same day. 
XXXX was sent another letter sating that they are missing my paystub and bank statement which i sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I submitted everything. I was told that they have everything they needed. 
XXXX another letter stating missing paystub. 
I called the bank and they said the file is not clear. Which is not possible. This document is a digital file that i have submitted in original digital format, scanned as PDF, faxed, converted to XXXX doc, XXXX, screenshot and have confirmed on multiple computers that it was clear. They keep asking for the same documents over and over to then say " thank you we received everything but unfortunately it expired, please send us updated documents. 

I am trying to act in good faith and pay my mortgage on time but now i am forced to make decisions on whether or not i can provide the proper nutrition to my children or pay this mortgage, all while they are playing this document game. 

I have attached some of the emails i sent to them with document to show that they are all clear. I would upload everthing but there is a 10 MB limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: AZ

Complaint narrative:
I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.

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 2019-11-26 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: NY

Complaint narrative:
Identity theft victim

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 2019-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have reached out to Santander Bank 4 times to verify this debt listed on my credit report. They have failed to reply to any of my request. 

I have a credit monitoring and each attempt to get this resolves has been ignored by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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: TX

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-11-26 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: TX

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief