vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$8200.00}. 
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. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -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 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Formal complaint # 3 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX Payment being withheld into an unapplied funds! 
I am XXXX XXXX with the Mortgage Account # XXXX! This letter is a formal complaint against Wells Fargo Mortgage Co. for funds misappropriation by withholding payment into an unapplied funds- account for two weeks in order to gain and maximize the interests collected on the mortgage loan. 
Wells Fargo has designed its mortgage payment system into different LOGICS in order to collect illegally more interests and extend the life of the mortgage. Funds received are applied consistently at an inconsistent pattern in order to defraud me and others. I set auto pay with Wells Fargo to withdraw more than two full payments, one on the XXXX and the other on the XXXX of every month. The payment on the XXXX  is to be collected and applied on the XXXX  for the current month principal and interest payment. The second payment on the XXXX  of the month is to be collected and applied for principal only of the current month. 
Wells Fargo seems to be using both human and an electronic management system to withhold payments to the principal into an UNAPPLIED FUNDS. Starting in XX/XX/2020, suddenly, Wells Fargo temporarily withheld my payment in an Unapplied Funds. Then, on XX/XX/XXXX, Wells Fargo applied such funds to XXXX and XXXX regular payments of principal and interests, please see payment history attachment. Again, on XX/XX/2020 Wells Fargo collected, but redirected the XXXX payment into an Unapplied Funds. I called WF about the continuous misappropriation of my monthly payments. 
Wells Fargo computerize logics are designed to move and apply funds to facilitate a variety of illegal schemes just to collect more compound interests. Moreover, such illegal schemes extend the life of the mortgage. Hence, Wells Fargo has been defrauding me in many willful deceitful schemes. 
This is not just a computerized scheme, Wells Fargo illegally withheld the regular monthly payment for a few days, then they applied the fund to two separate future monthly payments of principal and interest for XX/XX/2020 and XX/XX/2020. I do not know what they had planned for the XX/XX/2020 regular payment withheld in the Unapplied Funds. 
Sincerely, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : 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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax ( the worse ), XXXX  and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
contacted company many times to fix the issue the just continue to lie about it. They continue to tell me they are sending it to corp office but I never get a call I've called multiple times but nothing has been resolved as of yet and they are attempting to resolve the issue I am the victim of identity theft. My ATM/Debit card was lost or stolen on. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$580.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.

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 2020-07-03 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 INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. 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 THE ACCOUNTS 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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  ( the worse ), Transunion and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX ( the worse ), XXXX  and Experian are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.

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 2020-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$8200.00}. 
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. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
This is a complaint against LOANCARE LLC, our home mortgage co., who has negatively impacted our credit history report for : names removed ( homeowners ). 

On XX/XX/2020, we submitted a request for forbearance to Loancare in error. The next day, on XX/XX/2020, we contacted Loancare directly and cancelled the forbearance request. In addition to numerous follow up calls and emails in XXXX to confirm the forbearance has been cancelled. As of XX/XX/2020, I was reassured by Loancare that our forbearance was cancelled and it would not affect our credit report. 

However, on XX/XX/2020, we were working on refinancing with another mortgage lender and was notified by them that our home mortgage was in forbearance, therefore, we would not be able to refinance until we get it removed off our credit reports. 

So on XX/XX/2020, we contacted Loancare to dispute the forbearance on our credit report. That on our credit reports, under the Remarks, Side Note and/or Special Comment Sections : states Account in Forbearance and this must be removed off our credit reports since we cancelled on XX/XX/2020 and our account was never in forbearance. 

Nevertheless, on XX/XX/2020 and XX/XX/2020 Loancare confirmed that the forbearance would be removed off our credit reports as of XX/XX/2020. But as of today, XX/XX/2020, our credit reports still states that we are currently in forbearance. For example, XXXX  states under Remarks Account in Forbearance reporting as of XX/XX/2020. 

Furthermore, as of XX/XX/2020, even after speaking with Loancares Collections Dept. and Supervisor regarding this forbearance dispute, requesting to have " Account in forbearance '' remarks/special comment removed off our credit report, I have LOST ALL CONFIDENCE in their ability to resolve this credit dispute. Not only has this drained our time and energy, but weve been unable to refinance our current VA home loan with other lenders with rates offered to us at 2.25 %. In addition to our credit scores dropping from above 825 to below 750, this takes us out of the Excellent category which further negatively affects our borrowing efforts affecting our rates. 

Conclusion : LOANCARE LLC needs correct and remove the " forbearance '' language off of our account with all the credit reporting agencies which is stated in Remarks and/or Special Comment Sections : Account in forbearance since we have never been in forbearance.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received the platinum card from Wells Fargo. The payments were being taken out of my checkings account monthly and on time. The company explained that I was approved for an upgraded card with a larger limit. The company closed the account because they said it was nit activated by me in a certain time frame. I did not receive the card to activate it. I have paid the full amount owed which was {$860.00}, and there is no balance due.

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 2020-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
There are 12 qualifying payments missing from my public service loan forgiveness ( PSLF ) from XX/XX/XXXX to XX/XX/XXXX. I have attached a letter from FedLoan Servicing stating that I have 40 qualifying payments from this time period. During this period, my loans were serviced by other companies ( XXXX, then XXXX ). I am including documentation of all my payments during this time period. I made a total of 52 payments in that date range so 12 are missing. I have regularly submitted employment certification forms during this time period. 

I have called FedLoans several times about this to ask for a recount of my qualifying payments. Several months ago they stated that the recount was complete and determined that the 12 payments did not actually qualify. I called back in XX/XX/XXXX and asked for a recount again and they said a recount had not been completed and they would request one. I called again and they said it should be complete in 2 weeks. I called on XX/XX/XXXX and they said that the recount request had not been started yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXXXXXX that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a bill from XXXX XXXX XXXX Bank that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XXXX  in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I  called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX  balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

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