vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/XXXX, I submitted a written request to Wells Fargo for an adjustment update of my payment history to the credit agencies. On XX/XX/XXXX, I received correspondence from Wells Fargo Home Mortgage ( HM ) with the determination that the agency has been sending accurate account information to all consumer reporting agencies. As a special note, I have been working for the past year to get this information corrected, to no avail. 

On XX/XX/XXXX, I found that Wells Fargo HM continued to report inaccurate credit activities ( payment and account balance ) for my account since XX/XX/XXXX. 

On XX/XX/XXXX, I appeal to Wells Fargo to report my account accurately with a request for the reason why the agency suppressed reporting my credit payment and account balance activity. On XX/XX/XXXX, Wells Fargo ( XXXX XXXX ) reported to me that they will they are not required to submit monthly credit reporting activity with the correct balance and will not correct my account activities to any of the credit companies.

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 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I've contacted XXXX XXXX XXXX / Bureaus Investment Group about a XXXX  XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but Bureaus Investment Group has added it back to my credit profile with themselves listed as the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TX

Complaint narrative:
I've contacted Experian about fraud. XXXX XXXX XXXX / XXXX XXXX XXXX added a XXXX XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

XXXX stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.

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 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About 6 months ago now I try accessing my credit report online through Experian services. My credit report was blank, I could not see any of my accounts or credit score. So contacted Experian office out in XXXX XXXX California When on the phone with them I explain the problem and told them neither my self or anyone else was able to pull my credit report. I've gone through different website to pull my own report but had no luck, I've called them numerous times and every time i speak to someone they tell me they have to open a ticket for a different group in there department are able to resolve his matter. Yet in the end I don't get any results from them.

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 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I sent a Cease and Desist letter to Portfolio Recovery Associates because they continuously call my cell phone when I am at work. I have attempted to block their numbers but they have many different numbers from multiple states and they just call from other numbers. This is for debts that are past statute. I disputed them with the Credit Reporting Bureaus and had them removed from my Credit Report. The Cease and Desist letter was dated XX/XX/2018. It was sent certified mail. The return receipt was signed and dated XX/XX/2018. I received letters from Portfolio Recovery Associates dated XX/XX/2018, stating they were closing my accounts. I have continued to receive phone calls from them, the most recent just a few minutes ago from a new number I haven't seen before and once again at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I  finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and XXXX XXXX XXXX  were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's  for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on  XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.

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 2019-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
During 2018 many unauthorized transactions occurred through Square XXXX amounting in the theft from my checking account of many thousands of dollars. I have contacted Square XXXX 7 times over the past month and they do not respond properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TX

Complaint narrative:
I've contacted XXXX about fraud. XXXX XXXX XXXX  / XXXX XXXX XXXX added a XXXX  XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

Equifax stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2018 I decided to check my free fico scores. After checking them FREE I noticed a charge from Experian Credit Report for {$23.00}. I was charged again on XX/XX/XXXX. 

I never signed up for a service. Plus I've tried to cancel and I'm not able to speak with anyone. I've called : XXXX XXXX XXXX XXXX XXXX Every time I call it's ALWAYS a computerized program and you never speak with anyone. I have the ability to chose XXXX  for billing then XXXX  to cancel. It states your free credit report is now cancelled. This isn't want I wanted. I want my free one but don't want to pay for it. 

I've also logged into my account online - My Profile - Billing information and Membership information and there is NO way to cancel my membership. 

I'm in the IT industry and I find this whole situation corrupt! I'm able to go through all these steps to find a solution. What happens to an older person who can't take these steps? Experian is stealing from them. 

I want my money back and membership canceled. 

Thank you, 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 monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: LA

Complaint narrative:
I've just received a call from a woman named XXXX  looking for someone else. Phone number XXXX.

Contacted my phone numerous times. I've insisted I'm not the person she's looking for however, the calling will not cease. These harassing calls and threats of legal action to something I do not have any knowledge of towards the person she's insisting on reaching is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I signed up for the a Capital One 360 Money Market account with offer code XXXX for a {$500.00} account bonus. I deposited the required amount between XX/XX/XXXX and XX/XX/XXXX. Capital One 's fine print states that they will deposit the bonus within 60 days. I have still not gotten the bonus as of XX/XX/XXXX. I called on XX/XX/XXXX and was told that I must maintain the required deposit amount as a balance. No where is that stated on the original offer yet the CSRs kept telling that is a requirement. Capital One is not honoring their sign up bonus by retroactively adding terms. Attached is the full page of original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I lost my home in the Camp Fire in XXXX, CA. After it was determined by the Insurance Co ( XXXX  ) that my home was a total loss, they requested I get a payoff letter from my mortgage company so they could send me a check to pay off the mortgage. I requested that letter from Pacific Union Financial and they sent it to me. It was dated XX/XX/XXXX with the payoff good until XX/XX/XXXX for the amount of {$170000.00}. The Insurance company sent me the check made out to me and the mortgage company. I signed the check and overnighted it to the address I was given on XX/XX/XXXX. 

Since that time, I continue to get calls stating I am behind on my payments and they have just last week mentioned to me that I am at risk of foreclosure on my home. They have acknowledge that they have the check sitting in some kind of escrow account. I have sent them everything they have asked of me. Everytime I get someone new to talk to they ask for something different. 

Not only have I had to deal with the trauma of losing everything I own and XXXX   years of life and memories, I am having to deal with these people. It is now the end of XX/XX/XXXX and we are not any closer to having this issue resolved. This has caused my credit rating to drop 71 points because of them. I am already having XXXX  XXXX  due to the stress of the fire and this is just making it much worse. 

Any help you can give me will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: CA

Complaint narrative:
I have been disputing a item on my credit report, for sometime my latest dispute was sent a XX/XX/2018. The credit agency equifax is the agency that sent the results of my dispute it was dated XX/XX/2018. I mailed the dispute on XX/XX/2018. I received the result of the dispute a day after XXXX, Which is more than 30 days, this is false information on my credit report that is said to be accurate which is false, the account number of the dispute is XXXX, XXXX/XXXX. The credit agency XXXX  updated the information as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: IL

Complaint narrative:
I received an email from XXXX XXXX XXXX on XXXX XXXX. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. 
The loan officer stated that it didn't matter and that he could check on a conventional. 
After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. 
I received a letter from credit plus with a response from XXXX XXXX XXXX   XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX  visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX  ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I went to XXXX to see a doctor for a XXXX issue. When I arrived at the reception desk, I provided my insurance information and asked whether there would be any out-of-pocket charges. I was assured there would not be any. As such, I saw the doctor and they ran several exams. A few weeks later, I received an invoice in the mail and immediately called XXXX to dispute the charge. After all, I'd been told there would be no charge. I spoke to two different people at XXXX and both rejected my dispute outright with no research and were openly confrontational. I later received a notice from Sequoia Financial Services notifying me they would send a notice to the major credit reporting agencies that I neglected to pay. I called them and told them the situation and they were uninterested and insisted I pay. I never would have seen the doctor had I been told there was an out-of-pocket fee. And especially not if I had known just how expensive that out-of-pocket fee would be ( now {$610.00} ). Fast forwarding to today, I now have reports with all 3 major credit reporting agencies that have lowered my score from the high 700s and low 800s and brought it down to the 600s. This is patently deceptive and amounts to extortion ; threatening my finances to get paid for a service they assured was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a statement from Ally Bank that I had been denied for an auto loan when I went into a dealership on XX/XX/XXXX to receive financing. They had ran my credit with 3 different credit bureaus : XXXX, XXXX, XXXX XXXX. Ally Bank only reported my scores for XXXX ( 800+ ) and XXXX  ( XXXX  ). I was denied an auto loan based on my low innaccruate score from XXXX. When I tried reaching out to XXXX to dispute this credit score, I receive no response back and their phone line goes straight to voicemail during normal business hours. I called Ally Bank and they said they've never heard of XXXX before and that they usually go through XXXX. I believe XXXX is a scam credit bureau and I was denied approval for an auto loan due to this company and I have no way of disputing it.

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 2019-01-22 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: Caliber Home Loans, Inc.
State: ME

Complaint narrative:
an error was made on my computer to send my mortgage payment of {$2000.00} to 2001. I was ill and my husband was helping out. this went on for 2 months. no one sent out a letter or called. on the third month I got a call from CALIber stating I was 2 months late on my mortgage with penalties and going into collection of some sort. I argued with them that I know I am over playing to begin with and my mortgage was always paid for even missin {$140.00} I complied and sent in what they asked for and my credit was crushed and the fact that I knew there was more than enough $ in their account. then in XX/XX/XXXX I get a check for XXXX overpayment. I called again to get them to correct this and they would not help me. we have never been late for a payment of any sort in our 40 years married. T0 be treated like we did not know what we are doing and they were right with no appolgy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: GA

Complaint narrative:
This particular account has been closed since XX/XX/2017. It is a charged off account that has a {$0.00} balance. 

According to the XXXX XXXX five points of compliance, this particular credit bureau ( Transunion ) is using ACDV ( Automated Credit Dispute Validation ). When using automated validation, information is not being correctly investigation because the e-Oscar system is simply just " copying and pasting '' old information and treating it as new. 

This account needs to be removed and deleted from my credit report. I have sent numerous letters to have this account removed to no avail.

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