vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: IL

Complaint narrative:
The companies are reporting inaccurate information on 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 2020-03-23 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX XXXX {$4900.00}

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 2020-03-23 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX  XXXX {$4900.00}

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 2020-03-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: IL

Complaint narrative:
The companies are reporting inaccurate information on 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 2020-03-23 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: IL

Complaint narrative:
The companies are reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, i called wells fargo dealer services to make a payment through their automated system. My call was answered by a gal and I immediately asked to be transferred to the automated system which she did. I made my payment just as i do every month through this system using the account number on file, always making the amount due at the time of the call and i hung up. This has NEVER been an issue before. I am finding out today that my payment did not go through, it did not clear my bank and so i made a call today. A nice gal by the name of XXXX XXXX answered and she confirmed that i did call on XX/XX/XXXX at XXXX but the info that she has is that i asked for a payoff which I did not do, i merely asked to be transferred to the autopay area which did happen. I made the payment, using my account on file and that was that. I asked XXXX if it was reported to the CBR and she said yes, and i asked her to have it removed as Wells Fargo has the documentation that i did call in. This is negligent on the part of Wells Fargo, they are not willing to reverse a late reported to the CBR although this is clearly a one off situation which is horrible customer service. We hear so many complaints about Wells and as a fellow banker i have always support Wells, until now. When this happens to me, i would imagine it can happen to anyone. I want the 30 day late reversed asap and since all calls are recorded and monitored, i would like the tape of the conversation with the other associate sent to me. I do not typically keep all documentation from the auto payments, but you can bet i will now. I expect a call back or this situation made right in the allotted time allowed by the CFPB. You see, i am also a XXXX, for 32 years now and i know how this works.

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 2020-03-23 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made 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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been attempting to reach out to Chase Bank in order to modify my mortgage due to the covid -19 XXXX XXXX closures in Pennsylvania. I am attempting to get ahead of a potential crisis, while I have XXXX revenue being generated. 

XX/XX/XXXX - 1st call, waited 2 hours, call disconnected by Chase Bank. 
XX/XX/XXXX - 2nd call, waited 1hour 5 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 3rd call, waited 2.5 hours, disconnected by Chase Bank. 
XX/XX/XXXX - 4th call, waited 57 minutes, disconnected by Chase Bank. 
XX/XX/XXXX - 5th call, waited 1 hour 7 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 6th call, waited 2 hours, cal disconnected by Chase Bank. 
XX/XX/XXXX - submitted request for call back on Chase Bank Secure Messaging service. Detailed why I was reaching out and what I was hoping to achieve. 
XX/XX/XXXX - submitted 2nd request for call back on Chase Bank secure messaging service. 
XX/XX/XXXX - 7th call, waited for 1 hour and 19 minutes, call disconnected by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There is a collection account on my credit report from Resurgent/ LVNV Funding in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor XXXX XXXX. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am XXXX XXXX and my XXXX had begun to fall off and when my XXXX falls off, I dont get paid, and when I dont get paid, I cant pay my bills. I have stayed in contact with Kohls Credit Center and requested numerous times for assistance and was denied that help now that the Coronavirus has hit and is affecting my business, I decided on XX/XX/XXXX to make another stab at it and contact them once again. I informed the representative the problem and the only response that I could get was that in order to assist me i would have to pay the past due in full and then they could help me with the past due being XXXX, I explained that if I had the XXXX I would not need the assistance and now that the county was in a Global Emergency all credit card companies were supposed to lower the interest rates, and work with customers any way possible, anything to assist them in bringing their accounts current, skipping a payment due, lowering the payments and many other suggestions have been on the news. However They did not offer me anything and I told them what I could pay and the rep stated that they would continue to contact me in order to collect the debt. I have fully told them on numerous occasions I knew I owed it and have had the credit line since XXXX, never asked for assistance before now usually if I missed a payment I payed double the next time around but this time I have not had much luck with them and I have other creditors but Kohls is the only ones so far that would not agree to work with me. Furthermore, unbeknownst to me I was not told that day that the account has already been closed and was not offered any assistance with the closure other than the same thing and I told them that they would get what they get because now that we are in a national emergency. The next thing I knew is I get my monthly statement stating my account has been closed and the past due was / is due immediately and then I got a letter in addition to the statement demanding the past due of XXXX within 30 days and if not paid the whole balance could be called due and payable then. We are in a global state of emergency and it is awful that the news stations and internet news advises a person to contact their creditor but what do you do when the creditor refuses to work with the customer regardless of any past due situations and I also understood that no accounts were to be closed either. I have attached both the letter and statement for your reords

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
We refinanced our existing mortgage from NewRez to another mortgage company and closed on XX/XX/2020. We have tried numerous times to reach out to NewRez to get our escrow refund of over {$3300.00} and any other over charges. We were left on hold for over 40 mins to then be disconnected. We have done this numerous times and have also left message. We have yet to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: MI

Complaint narrative:
I have made numerous phone calls and letter to XXXX XXXX  and to the credit bureaus such as XXXX   and Equifax. XXXX XXXX has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX  due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that XXXX XXXX, XXXX, and Equifax please work together in correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: MI

Complaint narrative:
I have made numerous phone calls and letter to XXXX XXXX  and to the credit bureaus such as Experian and XXXX. XXXX XXXX  has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX   due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that XXXX XXXX, Experian, and XXXX  please work together in correcting this issue.

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 2020-03-23 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: TX

Complaint narrative:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-03-23 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} 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 2020-03-23 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} 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 2020-03-23 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: NY

Complaint narrative:
This is not my 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 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
THEIR IS A COLLECTION ACCOUNT WHICH IS NOT MINE AND IT VILOATES MY RIGHTS IF IT WERE MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NY

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THEIR IS A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE, AND IF IT WERE MINE IT VIOLATES MY RIGHTS.

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 2020-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This is follow up to Complaint # XXXX! 
XXXX continues to push this matter to new collection agencies despite my previous communications with CFPB, XXXX and several successive collection agencies. This matter was fully resolved. The attached document from Transworld Systems Inc., XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX, is further harassment on a debt that is not valid. see excerpt pasted below from first complaint. 
" In XXXX of 2016 I returned XXXX XXXX for end of lease. Prior to lease i had aninspection which determined tail light crack and damage to tire. i had both of thesereplaced prior to return. In early 2016 toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. nowalmost two years later XXXX submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is veryapparent that they prey on consumers after they expect their records to be long gone. thecollection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible

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