vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple requests to Experian and XXXX regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my Experian report and XXXX  XXXX XXXX XXXX XXXX be removed from my XXXX report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple requests to XXXX and Transunion regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my XXXX   report and XXXX XXXX XXXX XXXX XXXX be removed from my Transunion report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.

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 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MCU Holdings, LLC
State: NC

Complaint narrative:
Management Capital United Holdings called me several times, they said my name and address and said they had my social security number ( when i XXXX them nothing shows up ) they called my place of employment and a relative. Ive never received a letter from this collection agency so i don't know any amounts or the original company. They've called five times this month and said they would press charges against me to the fullest extent of the law and I needed to govern myself appropriately. Ive tried calling them back but when I called I got an answering machine with NO company 's name until I followed the prompts and I got a voice mail again. They said my account has reached escalation and will be sending papers to my home in 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 2019-12-26 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 — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Dovenmuehle the loan servicer for me and my wife 's mortgage is not reporting the mortgage to our XXXX credit report. Information is missing. The loan was previously reporting, but it was incorrectly reporting. Now the information is not reporting at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: PA

Complaint narrative:
On XX/XX/2019 I was alerted to a negative change to my XXXX credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what XXXX isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. XXXX also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. XXXX isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above 720 where it belongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX the loan servicer for me and my wife 's mortgage is not reporting the mortgage to our Equifax credit report. Information is missing. The loan was previously reporting, but it was incorrectly reporting. Now the information is not reporting at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE. Equifax credit bureau received evidence showing a collection account reported on my profile was cancelled as a collection due to fraud. However, Equifax continues to give me misinformation. I was initially told the account XXXX will be removed no later than XX/XX/XXXX. As of the date of this complaint, the supervisor told me the time frame is 30 days. XXXX, and XXXX   removed the account as fraudulent. For some unknown reason Equifax continues to allow that report to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Friday XXXX XXXX I deposited four checks totaling just over XXXX the machine jammed after scanning the second or third check. The following Tuesday I received notification that my account was being closed for fraudulent activity because they couldn't find my checks. I have called ATM operations, loss prevention, customer service, and claims, and have spoken to countless people about this issue. I keep being told they are trying to find my checks but they are closing my account XX/XX/XXXX unless they can find the checks which they state they have until XXXX to do so. That does not stop my account closure. My name is XXXX XXXX phone XXXX the Wells Fargo branch was XXXX XXXX and XXXX in XXXX XXXX Nevada.

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 2019-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Good Evening, Im disputing that my low credit score is a direct result of some false claims against me. I have no idea how/why this is happening, but it really needs to be corrected. This is hurting my ability to become a successful entrepreneur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 explanation
Consumer complaint received 2019-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX   XXXX  XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX RETAIL CARD SERVICE Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft

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 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: ME

Complaint narrative:
In XX/XX/XXXX I received a letter from a collection agency XXXX   XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : XXXX XXXX, regarding an amount owed of {$80.00}. As the only account I have ever had with XXXX was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted XXXX XXXX and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at XXXX, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a MRS BPO LLC agency ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or XXXX credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from MRS dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from XXXX indicating no change to collections balance. I was transferred to XXXX credit who could no longer locate the account to investigate further. XXXX then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with XXXX initially. At this point XXXX gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from XXXX via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by XXXX would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EMCC Holdings, LLC
State: NY

Complaint narrative:
Equiant financial services. Account ending XXXX. Time share date opened on Credit report. XX/XX/XXXX between. The account was charged off at {$2500.00}. Account right off at XXXX past due as of XX/XX/XXXX original balance was XXXX for 36 months that says on my record its on my credit report to XX/XX/XXXX updated XX/XX/XXXX. I did NOT sign any time share. Nor did my husband. We went on a seminar. Stayed there three hours. After a seminar was Complete and we said no. We signed for XXXX tickets. They said we had to sign to get our XXXX tickets. Now Im getting reported from this place that I never even signed for. Equiant financial services. With no proper documents from either place. With a timeshare. Dont you get a deed to the timeshare. I dont even have a deed nor did I ever have a deed. I dont even know where to go. So why am I being responsible for this kind of price. With this company that wont take it off my credit report. Or off my husbands credit report. Ive never had proper documentation saying that I had a timeshare. Please help me fight us. For me and my husband. This is theft of services. False advertising. They are hurting us. I did the Time share Seminar at XXXX XXXX XXXX XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: NJ

Complaint narrative:
I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.

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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was notified via email at XXXX MST on XX/XX/XXXX that my Wells Fargo checking account was closed on XX/XX/XXXX. At XXXX, XX/XX/XXXX I called Wells Fargo 's XXXX and spoke with a customer service representative that was unable to make sense or provide detail on why my account was closed. Later that same day, I went to a branch location to further troubleshoot why my account was closed. No answers were provided other than that it definitely looked like the account " was closed in error ''. My issue was elevated to Wells Fargo 's resolution team. I have yet to receive information on why the account was closed. 

The lack of communication to avoid the closure is most frustrating ( and the fact my pay had been going here for 2+ months ) ... the timing my account closure was the week before XXXX ... and although it was closed on Tuesday I was not properly notified until Thursday. Because of this delay I did not have an adequate amount of time to stop my employer 's direct deposit to this specific account.

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 2019-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Since XXXX I have been getting misled by FedLoan Servicing and let it go.XX/XX/XXXX I decided to work on getting issues resolved by calling FedLoan Servicing for help. Each and every time you call, a different customer service rep advises of something different than the last rep. I was told to have my payments reduced and they did. Then I was told to send in claim forms so the XXXX qualifying payments would be adjusted to reflect on account. XX/XX/XXXX I contacted FedLoan again ( they try to wear you out and discourage you from trying to fix it ) and requested an audit. XX/XX/XXXX the letter they sent to me still shows no audit and no accurate count of payments made each and every month. XX/XX/XXXX-XX/XX/XXXX nothing done. After complaining again, XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX an adjustment was made to show " 2 qualifying payments when in fact there were 4 ''. My employer re-faxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX claim forms because rep XXXX XXXX ID # XXXX stated " noting received since XXXX ''. Today, rep XXXX XXXX ID # XXXX claimed my employer sent all claims for all years XX/XX/XXXX, which is false. FedLoan altered the name of the employer to make it appear I'm not working at the same place although claim forms indicates " Still Employed '' and the Federal EIN # is the same from XXXX and XXXX. FedLoan ( XXXX, XXXX and others ) will tell consumer " claim not received and to resend '' but when you resubmit, claims are rejected because they are all sent at once. Never ending cycle of no assistance and misleading. Also mislead you by telling you what you should pay only to find out that the payment you were told to pay is not a qualifying amount. Each month, your loan balance nor the interest you owe ( outstanding ) changes-even after doing what the rep tells you to do. There is no escalation dept., no audit department, no one in the entire company that customers can speak with for help.

Company response to consumer: Closed with explanation