vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have been attempting to get this account taken care of with Portfolio Recovery. I have requested debt validation on numerous occasions and all I have received is the same one statement over and over again. But they have never sent me the information I requested. Please see below : Please provide me with the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor. 
3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title. 7. P roof that you were on the original contract I have requested this information on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Today I sent a demand letter for this account to be removed since they have continuously failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX american experess XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: ARS National Services, Inc.
State: TX

Complaint narrative:
sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX XXXX XXXX  ars national services inc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
I would like to file a complaint regarding an account Equifax is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/2020. The error is XXXX XXXX ( Account # XXXX ). In my letter disputing this error, I told Equifax that I challenge the accuracy and reporting of this item. Equifax is reporting that XXXX XXXX XXXX ( Account # XXXX ) account type is a collection account, however the payment status reports a 120 day late payment. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/2020 I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Please be advised that an investigation with the furnisher of the information has been initiated. '' This is a stall tactic and this is almost two months past the date my letter was mailed and received by Equifax. Equifax can not validate this item but is stalling to remove it as they should per the Fair credit reporting Act. As I stated I would in my initial letter to Equifax, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Equifax, the certified mailing receipt, and my CFPB complaint where Equifax tried to stall saying Please be advised that an investigation with the furnisher of the information has been initiated. Even though they have had almost two months to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Factual Data accessed my credit report without permissible purpose ( section 604 ), without my permission and then claimed the report was accessed for one of their clients. Factual Data then informed me I needed to contact their client company to have Factual Data removed from my credit report even though Factual Data is  listed as the one making inquiry???????? And now two companies have my personal info??????? This is so wrong per many sections of the FCRA!!! Are we becoming a third world country?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MS

Complaint narrative:
Transunion, XXXX and XXXX are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as 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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Please Reference Complaint # XXXX I am being retailed against by Wells Fargo for filing a complaint with your agency. 

Please read the email attached, I received from Wells Fargo today. 
They are requesting information that was already provided, asking if the house is vacant - after I was instructed to vacate the premises! Wells Fargo 's counter offer on the house which was listed " As-Is '' for {$590000.00} a year ago is now countering their offer to settle for {$700000.00}. 

The bottom of the email said " This correspondence is for this particular loan ONLY. The guidelines outlined above are specific to this loan and should not be interpreted for all Wells Fargo Home Mortgage loans '' This is Blatant retaliation for filing a complaint with the CFPB and asking assistance Senator XXXX XXXX for assistance. Email from Senator XXXX XXXX 's office attached. 

Wells Fargo has to stop!

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 2020-08-18 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: RedBrick Financial Group Inc.
State: MD

Complaint narrative:
I have been trying to have an account ( # XXXX XXXX with Redbrick Financial that is not mine removed from my credit file from XXXX for over a year. However despite much evidence the company Redbrick Financial located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review Redbrick refuses to remove said account from my report and has caused me irreparable harm. 

Redbrick not only refuses to agree with the removal but has made fraudulent statements to XXXX and my attorney regarding this account. Redbrick falsely claimed they Verified my signature. How do they verify my signature without my signature? 

Redbrick failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. XXXX refused to remove in both XXXX and XXXX. 

Redbrick refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at Redbrick. 

I ask that you investigate the business practices of Redbrick. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to Redbrick yet they still refuse to remove account from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THIS ACCOUNT THAT IS LISTED ON MY REPORT IS DO TO A DATA BREACH OR FRAUD THIS ACCOUNT NEEDS TO BE REMOVED

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 2020-08-18 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX {$43000.00}

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 2020-08-18 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a complaint to Bank of America. I was assigned a resolution specialist, XXXX XXXX. I have attempted to reach Ms. XXXX by telephone to no avail. I have left 3 voicemails. I received an email from Ms. XXXX on XX/XX/20 instructing me to call regarding the complaint I filed. The phone number in the email ( attached ) goes straight to a general voicemail box and not an individual.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I recently requested mortgage assistance and a forbearance under the Cares Act, XXXX XXXX, XXXX with XXXX XXXX my mortgage company, I read the homeowner can request the mortgage forbearance up to 180 days, our family is still being affected by Covid-! 9, my wife has XXXX has scheduled a property foreclosure sale XXXX. I have requested several times mortgage assistance and I feel that the mortgage company is not trying to assist me with not losing my home to foreclosure. Also the mortgage company is not complying with The Care Act. Received property foreclosure sale notice 60 days ago when the Care Act was first put in place for scheduling foreclosures by the president. I also never received a property foreclosure letter from the mortgage company or the foreclosure attorney Tennessee requires the homeowner to receive 30 day notice prior to foreclosure sale date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through XXXX site. I properly changed my checking account info. XXXX failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. XXXX refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. XXXX  poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I was provided the attached closing disclosure on the day of my mortgage loan closing. It shows the interest rate as 0 % with the monthly principal & interest amount blank, the projected payments section blank. I pointed this out to the notary who said that I still needed to sign it, which I did. 

This is after PFCU had provided multiple other LEs and CDs ( due to delays ) changing the interest rate and saying it was at my ( the borrowers ) request. Only after I objected did they offer to cover the cost of the increased origination fees.

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 2020-08-18 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: MT

Complaint narrative:
Experian removed to old credit cards called Applied Bank in XXXX of this year, then I get a notice in XXXX of this year that they put them back on, These two entries are not valid, and the credit beureau can not remove something and then decide to put it back on, I had worked for years to get this taken care of. Experian is a joke and they did not follow the laws

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My bank was stopping payments on my account due to a fraud alert. I tried but couldn't make a payment. Then when I did make the payment Capital One had closed both my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.

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 2020-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Our Mortgage payment of {$2000.00} was auto drafted from our checking account on XX/XX/XXXX. On XX/XX/XXXX Lakeview Loan Servicing mistakenly marked the payment as Bad Check Reversal. We contacted their Customer Service department as soon as this came to our attention on XX/XX/XXXX. We were told that our bank needed to submit a transmittal of the ACH transfer to prove it cleared our account. This document was submitted via fax on XX/XX/XXXX, however on XX/XX/XXXX the loan company claimed to have not received anything. We contacted our bank and a representative sent a printout of the ACH transfer via email along with a statement that no funds were stopped or returned to our account As of XXXX our mortgage account online still showed the payment marked as insufficient funds. We contacted Customer Service again and were told that the document sent was not what they needed. Our bank then provided a full page transmittal form on XXXX. .As of today 's date XX/XX/XXXX they continue to show a missing payment and have done nothing to resolve our issue. We made our XXXX payment on time and the loan servicer applied it to the XXXX payment they lost, marked our XXXX payment as late and have reported the late payment to the credit reporting bureaus. They have also charged late fees against our account.At this point, we don't seem to have any further recourse. Any assistance your agency can provide to resolve this issue will be greatly appreciated.

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 2020-08-18 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: PA

Complaint narrative:
i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN XXXX pdf doc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED

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 2020-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a previous complaint via this site that Equifax was reporting inaccurate and information was not updated as current. I just received an update from my credit bureau alerts that my credit rating has dropped XXXX points due to the changes that were updated. I am very confused on how my credit rating would decrease when my outstanding debt has decreased by {$12000.00}. In XX/XX/2020, I paid off all my credit cards. 
Is this retaliation from Equifax since I complained through the CFPB.

Company response to consumer: Closed with explanation