vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I purchased my home in XX/XX/XXXX. My loan was transferred to Planet Home Lending LLC shortly thereafter. In XXXX of XXXX, I decided to go through Planet Home Lending for a streamline refinance. I submitted my application online as instructed and we started the process. I received the initial disclosure on XX/XX/XXXX. Nearly 2 months went by without any communication, I assumed it was due to covid-19 and emailed the loan officer, XXXX XXXX, about the status and she informed me my file was sent to the processor. I received the first closing disclosure on XX/XX/XXXX. No communication after that about a closing until the end of the month. A closing was scheduled for XX/XX/XXXX. The closing agent arrived at my home and documents were signed and they were sent to Florida for my father in law to sign since he is a non occupying co borrower. Then, a few days later I receive a phone call that my husband needed to sign. He isnt on the loan but due to our marital status, he needed to sign as well. Another closing disclosure was sent on XX/XX/XXXX and we scheduled another closing to have my husband sign. We have another closing scheduled and another closer comes out to our home and we sign the documents again and have them sent to Florida. XX/XX/XXXX I receive a phone call from the processor, XXXX XXXX, that we need to repeat the closing again due to them putting the wrong date on the paperwork and the bank supposedly did not accept it. She also told me that I would need to make XXXX 's payment as well but we could close for XXXX and not have to make XXXX 's payment. Meaning I also have to pay a late fee on top of my payment for XXXX. I received another phone call on XX/XX/XXXX telling me that I would need to push off the closing again because my taxes were due. Meaning I had to pay yet another late fee on my mortgage payment. I have NEVER paid a late fee on my mortgage until this. Not only that, I am now being asked to pay 3 times more in closing costs that I originally had paid. I sent an email to the processor asking her where this amount came from and still have not received a response or returned phone call. At this point I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
For XXXX months in 2018, M & T reported two-year-old ( 2018 ), less than XXXX, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 days.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have complained & disputed called and sent letters explaining that the account for XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I do not know what else to do but keep letting you all know. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have a collection on my account from Midland funding, total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. Midland updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through XXXX on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Identity theft and Navient trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. XXXX Navient and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NY

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: MA

Complaint narrative:
Identity theft and XXXX trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: MA

Complaint narrative:
Identity theft and XXXX  trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX  and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: MA

Complaint narrative:
Identity theft and XXXX trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting this account with no Creditor information. I have sent multiple letters requesting an investigation and asking to have this incomplete record removed. Equifax refuses to remove this incomplete record. 
Account number XXXX Collection opened XX/XX/2016 Account type Collection Account Paid off : 0 % Balance on Loan Amount {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: FL

Complaint narrative:
I have complained & disputed called and sent letters explaining that the account for US DEPT of ED/XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I filed complaint XXXX over a month ago and there has not been any update. I am asking again that these accounts be deleted. The company states they were working on it XX/XX/20 but as of today XX/XX/20 nothing has been done for the account 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 non-monetary relief
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
This is my second complaint over the same issue. My loan was transferred from XXXX to Gregory Funding. At the time of transfer I was in the last month of my loan modification trial period. XXXX assured me the Gregory Funding was legally bound to honor my modification terms. I have made all payments on time yet Gregory Funding still has not created a loan modification and are now sending me letters with late fees. This is mortgage fraud and I want them investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to correct my incorrect credit score with EXPERIAN and XXXX since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achie ve a correction. I also hired an attorney, who also could not achieve a correction. Here is the issue ; I have 3 s core factors " helping '' and 2 score factors " hurting '' my credit score on BOTH EXPERIAN AND XXXX On XXXX, I have 4 score factors " helping '' and 0 score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. NOW : when I reach out to XXXX AND EXPERIAN to   rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH EXPERIAN 'S AND XXXX XXXX  CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY EXPERIAN CREDIT SCORE IS XXXX, AND XXXX IS XXXX. For reference, XXXX which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from EXPERIAN at XXXX and XXXX at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but EXPERIAN 's and XXXX XXXX score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I write again to call for a deeper look into XXXX, and their relationship with Wells Fargo when it comes to banking. I was not given a proper reason and would like to know why on the eve of XX/XX/XXXX, As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the google recovery phone update bc I was so unclear and confused. If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Still would like to know how XXXX was involved and why there was an update on my phone while on the phone with Wells Fargo. 
ATTACHMENTS

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 2020-07-29 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, my SSN XXXX. I have been trying to dispute incorrect information with TrunsUnion for over 9 months now without success. I have an XXXX charge off that happened back in 2018 and the card was since closed. The company insists on reporting it as a new charge off every months completely shuttering my credit from XXXX to XXXX and every month no matter what I do they report it as a new charge off so it looks like by now i have not 1 but 12 charge offs. Every time i call i get a foreign person on the phone that tells me that the info is correct and they will not file a new dispute or says they filled it without any results.Or even better, after they complete their " investigation '' they lower my credit score even lower. Please help! Its been 9 months of XXXX and i am on the verge of financial disaster because of Transunion mistake.

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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I XXXX XXXX believes that Bank of America has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, Bank of America has cut off 8-years of payment history. I have attached a copy of the 1099C issued by Bank of America that was applied to my XXXX income taxes as a financial gain from cancellation of debt. Bank of America has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. Bank of America is violating its subscriber agreement with XXXX, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
CREDIT MANAGEMENT Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 3 yrs, 6 mos ) I have filed multiple dispute letters and have tried all means to get this XXXX cable bill off my credit it is reporting on XXXX  only. I am a victim of identity theft i sent this company the letter i received from the social security office as well as from the U.S Marshals. I have been XXXX  since early XXXX. There is no way this belongs to me. I've tried to communicate with them but they fail to respond. I was released XX/XX/XXXX of XXXX. This is debilitating my chance to progress. I need help i do not know what else to do? I've sent 5 letters from XXXX with the dates i was XXXX  and they just ignore my letters. All my letters have been notarized and sent priority mail from inside of XXXX. They're reporting this account and another one which i will file a complaint with as well. I included a fraud letter and the letters from the U.S marshal 's and to no avail. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief