vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my Early Warning Services , LLC. I've done nothing wrong and XXXX XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX XXXX XXXX 's stance is solely based on the fraud/abuse comments within their EWS listing, then the entire account listing must be removed from Early Warning Services , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and XXXX  XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX  XXXX XXXX 's stance is solely based on the fraud/abuse comments within their XXXX listing, then the entire account listing must be removed from 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 2021-04-07 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: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare is reporting my credit as 120 past due, while I my mortgage is being modified. ( I have a tenant that was COVID impacted ). I was never late in the past, and in fact prepaid the modified mortgage through XXXX XXXX to avoid the situation I am in now. My credit has been reduced 60 points. I have been complaining a week with LOANCARE I sent them the support below and my score has not been changed. I need to purchase a range for another property and my cash flow has been GREATLY diminished as I have two other tenants not paying. ( I can not evict! ) My credit lines have been drastically reduced. One response from the Servicer is that the scores would be adjusted after the loan closes and all the payment terms have been met. Well I prepaid and met the requirement. Correct my credit! Very unhappy

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 2021-04-07 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: LA

Complaint narrative:
I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES

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 2021-04-07 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: LA

Complaint narrative:
I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: VA

Complaint narrative:
This is in regards to account number XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX and account number XXXX with XXXX XXXX XXXX claiming I owe {$480.00} to XXXX XXXX. To Whom It May Concern. I am a victim of identity theft and I have recently found several accounts that have been fraudulently added to my credit report. Account # XXXX with XXXX XXXX XXXX is claiming I owe {$480.00} to XXXX XXXX. Account # XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX. None of these accounts are mine. In fact, XXXX completed an investigation with each of these fraudulent accounts in the past and had them immediately removed from my credit report. Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for these illegal accounts. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX and XXXX XXXX XXXX have created fraudulent accounts. FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. Please have these accounts removed immediately from my credit report. Because as I mentioned these items have been reinserted on my credit report under a fraudulent account number and name. 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. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's 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 separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XX/XX/XXXXPlease govern yourself accordingly. XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had mailed a letter to Equifax back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Equifax to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NV

Complaint narrative:
There are numerous accounts on my credit report that are not mine nor belongs to me. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Dear ERC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX andXX/XX/XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had mailed a letter to XXXX  back in XX/XX/2021 regarding fraudulent reporting on behalf of Wells Fargo regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to XXXX  to check on the status to make sure they received letter about 1.5 weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.

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 2021-04-07 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had mailed a letter to XXXX back in XX/XX/2021 regarding fraudulent reporting on behalf of Wells Fargo regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to XXXX to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.

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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
has limited my paypal account permanently.Although I reported that my products were delivered and I was ready to provide the necessary evidence, they did not help. 
it is terrible that they behave so biased and irresponsible I would like to report that I am negatively affected by this situation. 
my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We received a tax notice in XXXX of XXXX for our local school tax. I contacted our mortgage broker and he stated that the mortgage company would handle this due to being in escrow. We received another tax notice in the mail in XXXX that the bill was still not paid and it was due by XX/XX/XXXX or a late fee would be charged. I called the mortgage company, PHH Mortgage, and spoke with an employee. She asked me to send it to the tax branch of the company and gave me an email address. I sent the email to the address with a copy of the bill attached. My wife then received a letter in the mail on XX/XX/XXXX that the school taxes were still unpaid and we had been turned over to a collection agency. I then contacted PHH Mortgage again shortly after receiving the notice and spoke with another employee. This was done on a conference call with our mortgage broker. The employee was sent all this bills and the letter and he stated that it would be taken care of in five business days from the phone call and that I would receive a letter in the mail in five business stating such. It was also determined that the money for the amount owed was in the escrow account. Two weeks later, I heard nothing from PHH Mortgage and the taxes were still outstanding. I then called again and spoke with another employee. He sent me to a different employee by the name of XXXX. I explained to him yet again the issue I was having and what we needed handled. I again sent him a copy of the letter received in the mail and he advised me that the tax office would be contacted and the issue would be resolved in five business days. After five business days, he called me and stated that they would need more time to handle the issue. With a deadline quickly approaching and the risk of being turned over to a debt collection, I feel the issue will not be resolved in time without the assistance of someone else other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are ignoring my disputes. If they can provide me proof that this is my debt. It need to be deleted as soon as possible. If they can not follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: WI

Complaint narrative:
I have contacted this creditor multiple times I have filed numerous disputes against this bill the company gave me an unclear explanation. That is not a verifiable reason to keep this collection on my account I am a consumer I have not been instructed by the DOE anything and I have asked for proof of this information being reported to my credit report I have the right to request original contract and documentation from this company and they must produce it I shouldnt have to be penalized or put on hold because the department of education isnt giving them any documentation they have to produce original agreement and verify this debt no matter what if I request that is my right as a consumer in other words they are basically saying we dont have any information on this bill therefore should not be verifying this debt at all. Not only that but they have multiple accounts showing on my credit for the same bill the law is they cant have multiple accounts for the same bill reporting to my credit so I am getting twice the negative remarks that I dont even deserve in the first place this is not right or constitutional. How can u respond we arent allowed to release information about a collection and then still verify the bill. Thats a due process concern and its total violation of my right I have the right to request any documentation needed to verify this collection thats reporting in my name if you arent allowed to release information then its not verifiable. You cant strip me of my rights to dispute this bill just because some other agency told you not to release information my rights as a consumer dont stop because you cant present the necessary documentation to validate this bill I am going to seek legal action and compensation for this unconditional act from the osla XXXX and the credit bureaus who are lying about this bill being verified how can you possibly verify information that your saying you cant release and how do I even owe some company In Oklahoma and I never been to Oklahoma a day in my life it makes no sense what so ever this is wrong and shady practices to con people and you stripping me of my right to have 100 % verified information reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Filed 3 separate XXXX XXXX disputes in which nothing happen. The remarks that were left were dispute solved, customer disagrees and nothing happens. A few days after the disputes I get hit with derogatory remarks. I have mailed this company information in which I was trying to validate this debt and their response was they needed more of my information to validate, which to me seemed unprofessional and sketchy. The information that was given was that of an apartment contract that had multiple pages, at least 15 pages at the minimum. I only received 3 pages in which they are trying to make their claim and the pages that were sent, still dont show I owe nor did I sign in any contract to be charged once I moved out of the property. There also wasnt a charge for leaving it me leaving anything inside the apartment on the original contract ( lease ). Below you will see that the lease was fulfilled. I was being charged for items on a list that wasnt on the contract that I signed for in the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XX/XX/2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX My account was scammed in the amount of XXXX an scammer who identified himself as a XXXX XXXX  representative stole all my money from my Chime Bank Account I reached out to my bank immediately informing them the bank told me to wait until transaction post once the transaction posted I told them the account was scammed and my claims was denied numerous times. I've made a police report. Contacted FDIC contacted cash app with no resolve where is my money my account was theft by scammers.

Company response to consumer: Closed with explanation