vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company CREDIT COLL ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I contacted my current lender to refinance my current mortgage, to free up room on my line of credit, with a cash out 15 year loan. 
Throughout the process I made it clear that I wanted to keep the HELOC ( 2nd ) and pay it off. This {$200000.00} line of credit is very important as I am a XXXX XXXX and need to expand. 
At the signing of closing documents we noticed a form to terminate the HELOC. We declined to sign and we immediately called our mortgage broker who stated just to decline signing the form. We did not sign the form and wrote 'declined ' as instructed. 
One week after closing we find that the lender requested termination of our HELOC. They stated it was their error but that there was nothing they could do to correct it and our timeframe for the right to cancel had expired. 
We went up the chain of command but was told nothing could be done to correct the error. 
We are now without any line of credit We feel they completed this loan process fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Asked for assistance over a month ago ( XX/XX/21 ) with issues with my account. I've been locked out due to having no 2FA codes for my account. It asked for 2FA codes even though I had not set a 2 step factor authenticator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NY

Complaint narrative:
Robo call requesting that I navigate to XXXX  due to my collections balance. Nondescript for what the balance is or what the company represents. They identified themselves as " F.C.R. Services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX i sent an Estoppel by silence letter to Wells Fargo. to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave Wells Fargo any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!

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 2021-05-06 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: FL

Complaint narrative:
hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.

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 2021-05-06 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: MD

Complaint narrative:
XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TN

Complaint narrative:
I filed a dispute with Experian in XX/XX/2021 concerning a bankruptcy that is inaccurately listed on my credit report. 

On XXXX XXXX, Experian responded to the dispute and advised it had been verified as accurate by their third party company XXXX. I was advised i would have to contact XXXX XXXX for a method of verification. 

I wrote a method of verification letter to XXXX XXXX, and they mailed me a letter back on XX/XX/2021 and they explained that they were unable to verify the bankruptcy and that they removed it from my consumer report, and provided me with a official letter. 

I also obtained a letter from the US Bankruptcy court, and they advised that they do not furnish bankruptcy information to the credit bureau nor do they respond to disputes. 

I contacted Experian and advised that I had a letter that confirmed their third party company was unable to verify the bankruptcy and it has been deleted. 

Experian has refused to remove this inaccurate information, and keeps telling me that they get their bankruptcy information from the courthouse, which is not true. I uploaded my letters to their website to prove the information must be removed and they will not comply. 

Everytime i call for a supervisor, i am told someone will callback and they never do, and they continue to place me on extended holds for over 30 minutes and never return to the phone. 

Experian is in violation of the FCRA and I wish to file a complaint

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 2021-05-06 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: FL

Complaint narrative:
Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like this.

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 2021-05-06 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: FL

Complaint narrative:
Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company CAPITAL ONE account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation, only XXXX BRL were dispersed by Western Union. Leaving a difference of XXXX BRL that had failed to be sent, per the contract. 

The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I would not have agreed to that rate or option, as it was a terrible rate in comparison to other money transfer services. I contracted for a direct bank deposit at the aforementioned direct bank deposit rate, which was XXXX  at the time I paid and XXXX  the following day when Western Union paid my recipient.

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.

Western Union acknowledges that the amount paid out was at a rate of XXXX BRL per dollar. This rate corresponds with that day 's cash payout rate, but that was not the type of transaction in our contract. Our contract was for a direct bank deposit. The direct bank deposit rate at time of payout was XXXX. Western Union made an error. But they refuse to rectify their error. They maintain that the clause in their terms stipulating that rates may fluctuate from day-to-day means they can mistakenly use a different advertised rate for a different type of transaction that was not made or agreed to.

Does Western Union believe that it is entitled to make a contract, but then can go forward after execution of the contract and change the terms? Why even pay out any transaction then? Why not change the transaction rate after execution of contract to XXXX, and pay nothing? 

We made a contract. It was understood that fluctuations can occur. But there was an error by Western Union in this transaction. The cash pickup rate was applied to a direct bank deposit transaction erroneously. Why does it take so much back-and-forth to get Western Union to realize and correct it's error? Does Western Union think it can just make grand errors in its own favor, break contracts, and customers will just walk away? Why can't the error just be rectified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
I Im working with lextion law credit repair people and yesterday the XXXX  XXXX XXXX just showed up on my account says I owe them {$390.00} Im still waiting to hear back from this bank I never gotten anything in the mail from them saying I owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: KY

Complaint narrative:
Someone opened up multiple bank accounts and credit cards fraudulently some XX/XX/XXXX. I reached out to both Trans Union and XXXX. XXXX took care of everything immediately and was great. TransUnion on the other hand has not. They are refusing to take XXXX XXXX off of my credit report despite me opening up approx over 6 disputes. The XXXX XXXX account was opened fraudulently and NOT by me. I also called XXXX indigo over 10 times and they say there is something being done yet nothing has happened. The first time I was able to contact XXXX XXXX was on XX/XX/XXXX. I tried to contact them since XXXX but the numbers online and XXXX XXXX were nothing but recordings. So on XX/XX/XXXX I spoke with XXXX she advised she would open an investigation and am affidavit would be in the mail within 7-10 days. I did not get one within that time I called back on XX/XX/XXXX spoke to XXXX who could not help me so he transferred me to XXXX. Spoke to XXXX he advised the same that he will reach out to their fraud department and an affidavit would be sent to my mailing address and the account will be closed it was an error on their end for giving TransUnion the wrong information. He said if I didnt get the affidavit in the mail then to call back in 5 days. I did not get the affidavit in the mail. I called back on XX/XX/XXXX spoke to XXXX he advised that the investigation was complete and the account had been closed since XX/XX/XXXX. Again he stated an affidavit is on the way and I should get it within 5 days. I call back on XX/XX/XXXX still no affidavit in the mail spoke to XXXX she advised she could not help me and told me to call back within XXXX minutes. Called back same day on XX/XX/XXXX XXXX minutes later like she asked and spoke to XXXX. XXXX stated that there was no investigation to begin with and that she would open one and an affidavit would be sent to me within XXXX days. Today on XX/XX/XXXX I get a notification from XXXX XXXX that someone had made payment on the XXXX XXXX card that was opened up fraudulently. I call TransUnion confused as to I was told the account was closed and that this was in dispute. They were no help and told me to open a police report. I fall the XXXX police department trying to open a police report and was advised I couldnt because the card was opened up by an Oregon bank and they do not have jurisdiction there. I am VERY frustrated on how this person is just getting away with it and Im the one suffering from it. I do not understand how this could take so long since I was NOT the one to open this account. I really need help. Please.

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 2021-05-06 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 have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the creditors ( XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX  XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-06 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: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX  XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I placed a dispute with chime ( XXXX ) on XX/XX/XXXX. I gave paperwork and evidence by XX/XX/XXXX. A week later i was told i didnt qualify for provisional credit. 
From my understanding the law is 30 days. It has been beyond that. First it was 30, then 90 days. This isnt the first time, they never have any answers updates or resolution for any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation